vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Joint Consolidation Loan Act ( XXXX ) was passed 71 days ago, which means there is a law put in place to separate Joint Spousal Consolidation Loans. However, there is no plan to date to implement this separation. I have never been able to receive a pause in payment even now that I have a law passed to support me and my family. There is no equity in loan holders when my interest just grows on an administrative forbearance taken in XX/XX/XXXX and other loan holders enjoy the continued pause since COVID ( XXXX ). This is very frustrating and I would like to see something put in place to help those of us who have the support of a law that was passed unanimously through the Senate, then the House, and signed into law by the President.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My problem started about a little over 1 year ago when I opened my business account with Bank of America in XXXX XXXX. I was charge for so many late fees even and overdrafts every month. In the beginning of the month of the first month Ive tried really hard to keep my account balanced but the mobile app felt like the transaction keep my XXXX  out my balance as if it was moved around or some sort to make it seems like I charged double on my transactions. So I called the bank to get help with stopping some of the services I sign up to be a scam and they told me they couldnt do anything about stopping them from pulling from my account. I had told Bank of America that Im trying to apply for a loan so please I cant have my account go to Overdraft. This went on for months. My wife got desperate because our business was falling behind on funds for employment and inventory. She found some offers online and from her email saying they would approve us for a loan easy. So she was so happy to tell me that we would get approved but they needed our login and password to our banking account so they can put the money in. Well sure enough it was too good to be true. We never got the loan except we have given our info including social security number and accounts info to consolidating debt, lending tree, speedy cash, and services that would charge us XXXX percent on interested! Now Im here at my bank today. Trying to get control of my account because I had lost my phone number and I just.needed to verify its me with two government Id. Well guess what its been months and the bank doesnt care at all. Any minute my accounts could be have massive overdrafts or who knows what could happen. I just need access to my account and Im here in person. Please tell me whats going on because if I have many late fees. Obviously they wont waived it for me. Sigh I hope today is the day they explain to me why they are letting scammers for as long as they want and I cant do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
On XX/XX/2022, I mailed a personal check for {$490.00} from my account with Eastern Bank to pay my credit card bill, using the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to my credit card company 's post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, my credit card company informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with Eastern Bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I asked Eastern Bank-as well as my credit card company-to conduct a thorough investigation concerning my misapplied/misappropriated payment. On XX/XX/XXXX, the credit card company sent me a letter denying receipt of the funds and informing me that the temporary credit related to this dispute is now reversed, interest charges are now being assessed, and I must contact my bank for assistance in learning what happened to my funds as no further investigation will be made. Upon receipt of this letter I contacted Eastern Bank, which initially refused to initiate any investigation on my behalf because I was not the payee of the stolen/misapplied check. Instead, I was instructed to contact XXXX to determine what happened to my funds. However, because I not an account holder with XXXX, XXXX ( quite understandably ) refused to disclose any account information to me. I then contacted Eastern Bank again and asked that they conduct an investigation on my behalf. The company agreed but only if I completed a notarized Affidavit of Forged or Missing Payee 's Endorsement ( as the named payee ). I immediately went to the bank 's local branch that same day and completed the affidavit as required. I subsequently learned today that no investigation has been initiated and I have been unable to find out what has happened to my stolen/misappropriated funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I settle my account with this company on XX/XX/2022 and its still reporting missing and inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I settle my account with this company on XX/XX/2022 and its still reporting missing and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I settle my account with this company on XX/XX/2022 and its still reporting missing and inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX, XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has been over a decade since I have used welllsfargo as my bank. For years, I went into their branches complaining that there was something wrong with the banking systems. Information online never matched what was read at the atm, reviewed in the branch by associates, information over the phone and online info. The amounts were always different and somehow wellsfargo was able to find a way to charge me hundreds of dollars by using this mismatched information against me. My account was constantly overdrawn and I had hundreds of dollars in overdraft fees. Since switching banks, I no longer have these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Deposits being held for several days which made account go negative several times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had ask credit bureau to investigate the amount owed and send me the results never received it telling me was verified not good enough

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have rights to privacy.

15 U.S.C. 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted Experian about reporting wrong information concerning my address approximately 45 days ago on XXXX. To date, Experian has not changed my address to the correct one, even though I informed them of fraudulent activity upon my report.

U.S.C 1681 ( a ) 4 : : here is a need to insure consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy/ ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Over charged for vehicle loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This was with Wells Fargo mortgage company who foreclosed on my grandmother property at XXXX XXXX XXXX. XXXX, XXXX, Alabama XXXX. I saw the new regarding the lawsuit against Well Fargo regarding bad loans and I think my grandmother is apart of this. Will you please have them contact me at XXXX? Her old account number for the mortgage loan is XXXX. She passed away in 2017 but before passing away the house was foreclose on. My dad and aunt are still living if any money is owed to my grandmother.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) dXXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX  Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX XXXX XXXX XXXX XXXX  {$4500.00} XXXX XXXX XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XX/XX/XXXX car and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX Department of educationXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So financial leading bank account see XXXX XXXX XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In XXXX I applied & was approved a private XXXX XXXX loan for {$15000.00} @ 18 % interest. In XXXX I graduated, took the XXXX & passed. In XXXX, my husband & I had to file a no-asset XXXX XXXX  bankruptcy. Our discharge was granted in XX/XX/XXXX. Navient has attempted to collect this debt since. My husband & I have had to pay them approx $ XXXX {$12000.00} since the discharge to keep them from ruining my credit. 

I have attempted to work this out with Navient several times since discharge. I keep getting different answers as to why they can continue to attempt to collect the debt. Most recently, even though they acknowledge the loan is a private loan ( it is listed on their website that way ), they say that funds were paid to my law school. While I dispute the accuracy of that assertion, even if Navient paid the funds to the law school, I did not pay for XXXX XXXX courses for my law school- it is not the recipient of the funds that affects dischargeability, but the use of the funds. The law is very clear that private bar study loans are dischargeable in bankruptcy. 

Every time I attempt to address the issue with Navient, they place my account in forbearance which just increases the amount owed due to the 18 % interest rate. The loan is now nearly {$30000.00}. Navient did reduce the loan balance down to {$0.00} this year during an " investigation '' they did but put the balances right back again. 

The law is clear - & Navient has been sued for this exact same thing - Navient has no legal right to attempt to further collect this debt. 

I need help. This is hurting my credit & causing my family stress & hardship. 

I am providing all documentation, including relevant case law. 

Please do not hesitate to contact me with any questions.

Company response to consumer: Closed with explanation