vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Three ACH withdrawals on my account from XXXX. 
PNC Bank will not help me with tracking information to recoup funds. 

PNC Bank says it was after 60 days so they will not investigate at all. It was less than 70 days but they dont care. 

XXXX needs info to attach to policy but PNC will not research. 
I have contacted by phone, by XXXX XXXX XXXX and local branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Dating back to XX/XX/2023 I submitted a dispute through the creditor Experian and the Consumer Financial Protection Bureau, at that time i was disputing the improper use of my credit report based upon 15 usc 1681 Permissible Purpose. Ive shown how they have improperly used my report, reporting erroneous negative information causing my credibility to be questioned and at times denied. Can you please advise them to do whats right and remove these errors as I will seek Litigations if not removed promptly. I have sent NUMEROUS request to have this done and now it has reached an advanced stage past the recommended allocated time.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Monday, XX/XX/, it was revealed to my office manager that a check, from a separate practice, had been stolen and made fraudulent. Both medical practices use the same vendor and so our checks were mailed out together. With that said, because their check had been compromised, mine could possibly suffer the same fate. 
On the same day my office manager notified my PNC representative, XXXX XXXX, of the situation to see if we needed to do anything on our part. Later, on XX/XX/2023, it was discovered that my check had indeed been affected as well. 
The fraudulent check was cashed on XX/XX/2023, for {$17000.00} with a completely different receiver noted and a signature that was not mine. It was made out to XXXX XXXX where the original one was for XXXX XXXX in the amount of {$2000.00}. I had written many PNC checks before this one and I would have thought, especially with the given large amount being cashed, that my signature would have been checked for authentication, but it was not. 
Both my office manager and I made numerous attempts to get updates from PNC regarding this issue. Not once did the bank, that is supposed to protect my money, reach out to me on their own for an update. To this day it is still my end checking in for a status update. 
In XXXX, after receiving the only mail from PNC regarding this issue, my office manager spoke with XXXX XXXX to once again correct PNC with the proper information on the check that was stolen. My office manager reached back out to XXXX XXXX to ask why it appears that nothing had been processed when this issue first came to light. He stated that he had initially put in two requests. I am not confident that is true given that XXXX is executing this now, 2 months later. 
Eventually I was directed to speak with XXXX XXXX who was not any better at keeping me updated. My conversations with her gave no insight into any progress being made during the investigation. Dealing with her did not ease the stress, it only confirmed my feelings that this issue was nowhere near a resolution because no one seemed to be vigilante. 

Now, 6 months into this process, I am being told that there is nothing to be done about the stolen funds. I found this to be extremely unacceptable, even more so after discovering that the mutual XXXX  with the stolen check, who also banks with PNC, was able to rectify their fraudulent check that was in the same envelope, within a timely manner. 
This issue has caused me to question the logic of banks. Why do we open accounts and pay for checks if we can not guarantee the security of our accounts?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I discovered that {$5000.00} was transferred out of my checking account without my authorization. I also discovered that additional funds had been transferred out of the savings account I hold jointly with my daughter. The money went to accounts ending in XXXX, XXXX, XXXX, and XXXX. I did not open these accounts and have no knowledge of them. 
Here is a listing of the unauthorized transactions : 1. {$5000.00} was transferred out to XXXX from XXXX checking XXXX on XX/XX/XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, multiple unauthorized transactions in and out occurred in the XXXX savings account ending in XXXX. They are as follows : a. {$5000.00} transferred out to XXXX on XX/XX/XXXX b. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX c. {$5000.00} transferred out to XXXX on XX/XX/XXXX d. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX e. {$5000.00} transferred out to XXXX on XX/XX/XXXX f. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX g. {$5000.00} transferred out to XXXX on XX/XX/XXXX XXXX. As a result of unauthorized activity, account XXXX had the following debits for funds transfer returns and returned item fees : a. {$5000.00} funds transfer return on XX/XX/XXXX b. {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX I disputed the transactions during numerous phone calls with USAA representatives between XX/XX/XXXX and XX/XX/XXXX. Some of the representatives were XXXX, XXXX, XXXX ( XXXX ), XXXX, and XXXX. I was told : Some of the transactions originated from locations in XXXX and XXXX XXXX. I have not been to XXXX XXXX since the summer of XXXX when I drove through it on the way to XXXX. I have never been to XXXX. I can submit data from my cell phone to confirm this. 
A checking account was opened XX/XX/XXXX, using a device under my account. I told the representative that I did not open this or any other additional checking accounts. They would not tell me anything about the accounts or the device used. A forensic expert is welcome to examine all my devices to confirm that I did not use any of them to create the additional accounts. 
I did not authorize these transactions. I did not authorize anyone else to make these transactions. I did not benefit from these transactions. I do not know who made these transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I called them on Thursday the XXXX and was on the phone for 58 minutes, on hold, and then they hung up on me. They told me to go online repeatedly in the gold recording, but when I went online I was still not able to find my answer and found out that my payments were going to be higher with the SAVE plan they were pushing because it does not take into consideration the cost of living in my area

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
In XXXX, I requested a refund of student loan payments I had made using the CARES act. This total was above XXXX USD. The department of education took too long to deliver this check and due to this they ended up sending my check to an old address. 

Since I did not receive the check, I called Ed financial ( my student loan servicer ) and requested that they re send the check in XX/XX/XXXX. They have yet to process this request. 

Additionally, student loan interest resumed in XXXX of XXXX. I need to receive the check from ed financial to repay the balance on my loan so that I do not accrue interest. If I accrue interest, it is due to the the neglect on the side of Ed Financial and the Department of Education. 

When I informed them of the situation, Ed Financial claimed that they put my request in emergency status in late XX/XX/XXXX. However, when I called back on XX/XX/XXXX, I was informed that my request was not in emergency status. When I requested more information on whether I will have to pay interest on my remaining loan balance even though Ed Financial has failed to send me the refund check, they hung up on me. 

Each time I call Ed Financial regarding this situation, I get conflicting and different information. 


I paid down the balance on my loan so that the only remaining amount is the same as the amount owed to me by Ed Financial/Department of Education .

I believe it is unethical, unfair and even predatory for Ed Financial and the Department Of Education to delay sending me my refund check, while also charging me interest on my loan balance which would have been paid off completely had they sent me my refund check already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
This complaint is in reference to previous file complaint # XXXX. Submitted by me to ChexSystems on XX/XX/2023. 

My request Is simply Method Verification. One in which ChexSystems refuse to answer. 

1. The Date ChexSystems contacted the XXXX XXXX XXXX. 
2. The contact information for the Creditor. 
3. The name of the person who verified the items to ChexSystems from XXXX XXXX. 
4. The method of Communication ChexSystems used to verify the information. 
5. Did the creditor provide ChexSystems with my Social Security Number, address and Date of Birth. 
6. What are the proof documents from the creditor to support their claim.

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 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
GoodLeap is the underwriter for my solar loan. 
XXXX was installed by XXXX. XXXX stated in guarantees that GoodLeap would make sure system was working properly, etc, through the duration of the loan. XXXX then went bankrupt, yet continues to do business with GoodLeap under the new company structure. 
Solar system failed, and I've done everything to get it operational properly again. 
Once I discovered the failure, I contacted GoodLeap to tell them of the issues and they said they'd suspend payments until it was fixed, that they'd let collections know as well. 
Despite several documented requests that they stop contacting me, GoodLeap collections continues to call me several times daily requesting payment. They also raised my interest rate, though there was nothing about my rate ever being raised in the initial disclosures I signed. They have acknowledged that they need to do things on their end to make this right, but despite several return calls and voicemails, their relationship XXXX has not called back nor made any attempts to resolve this in any way. 
GoodLeap collections called me today, XX/XX/23 at XXXX MST, and even though I started off telling her that they're to cease harassment until this is resolved, she threatened to make negative remarks on my credit report if I didn't make payment arrangements right away. I reiterated to her not to contact me again until they have a proper resolution and then promptly terminated the phone call. 
GoodLeap has a history of complaints from the XXXX  as well as the XXXX XXXX XXXX 
I believe they've violated the Fair Debt Collections Practices Act in several ways with many consumers. This needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OR

Complaint narrative:
My consolidated Direct federal student loans ( one subsidized, the other unsubsidized ) were held by XXXX XXXX, then transferred to Mohela in XXXX XXXX  XXXX. 

After this transfer, Mohela 's website did not reflect several qualifying payments towards PSLF forgiveness under the XXXX  administration rules. 

XXXX  of these payments I made in XXXX through XXXX towards PSLF at a qualifying non-profit employer, XXXX XXXX XXXX, despite the fact that both XXXX XXXX and Mohela has this information. My Mohela account even reflects that I have submitted the PSLF employer certification paperwork from my employer during that XXXX period, but for some reason, it does not reflect it that information in my PSLF payments. In XXXX XXXX XXXX, I called Mohela, and the phone representative told me to submit PSLF documents again. My employer has not responded to multiple, numerous requests in XXXX and XXXX to reconfirm the information that was already submitted in XXXX - XXXX, and which was counted on my previous XXXX XXXX page. 

Mohela has also refused to count the many years of forbearance steering non-payments that the XXXX  administration has stated will count towards forgiveness, which includes : -Any period in which a borrower spent XXXX  or more consecutive months in forbearance. 
-Any month in forbearance for borrowers who spent XXXX  or more cumulative months in forbearance. 
-Any month spent in deferment ( except for in-college deferment ) prior to XXXX. 

I have several months that qualify under these rules, specifically, XXXX  months, but Mohela still has not counted these months and so far, instead only counting XXXX  months from the pandemic emergency. Mohela claims I need employment certification, but for many of these months, I was unemployed, for others, I already certified, and for some still, I had non-qualifying employers but was steered into forbearance by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These are unauthorized unknown inquiries from car dealership. I didn't give any written permission for these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 3rd party transactions and experiences are excluded from Consumer Reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX billed my insurance company for a XXXX I paid my amounts due after insurance. I then was billed again for the same procedure, and another one ( same type of procedure, same day ). The company XXXX XXXX XXXX  called me to collect and I talked to them about the prior billing and insurance payments etc, and it seemed clear based on my conversations with them they needed to take away with their " research department ''. I received a call a few weeks later from another XXXX rep trying to collect, went through it all again, no indication they had researched etc. Later I received a letter from Frost Arnett, a collection agency, walked them through issue and sent them a letter that I don't believe I owe anything ( attached ). They or XXXX never got back. Now I have XXXX XXXX XXXX harrassing me with calls, etc. I sent them the same documentation I sent Frost Arnett. I also sent XXXX a notification now today that I would be following up with the CFPB since I can't get anyone to do the analysis versus just try to strong arm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: KS

Complaint narrative:
No one is available at Ed financial to take a call return calls. Hold times are over 4 hours long and no one I available through chat. I have made daily payments in the amount of {$5.00} on my student loan. Some days {$1.00} I is applied to interest on other days the whole amount is applied to interest. Based on the interest calculation rate on the EDfinancial site I am overpaying on interest. There isn't an option to apply overpayments or payments directly to the principal. As of XX/XX/18 two loan which I paid off years ago are showing on this account. They show a {$0.00} balance each. An interest rate is shown in both. I can not get into contact with the servicer to understand and correct the issue with paying more in interest than the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account numberXXXX Date opened : XX/XX/2021 It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My loans were transferred to Aidvantage. I have attempted to change my loan to the SAVE plan several times and have had zero luck. I have submit documents on XXXX several time to change to change plans. It shows completed on the website, however Aidvantage is not processing the paperwork or changing my plans. I have called them over XXXX times, been on hold for over 50 hours, and been sent to a mailbox that is full several times. They have a mailbox that is full and it hangs up on you. They do not return emails. I want to file a complaint against Aidvantage. I am worried they will cause my account to go into default and ruin my credit. I need help changing my plan to SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet takes 2hours every time to get ahold of. Each time ( 3 times ) Ive gone thru the process, their customer service rep tells me they cant correct the amount on my bill that I owe - despite knowing what the amount is- so I am left hanging, ready to pay but I cant because the new plan isnt showing on the website! Its been 3 weeks of this and they still havent corrected. I dont want this to go into next month when payments are due and I am negligent because I have been working hard to get this set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
We make payments to our daughters student loans through their website. In the past, it's gone smoothly. However, payments made on XX/XX/XXXX and XX/XX/XXXX, totaling {$3100.00}, have come out of our bank, but they ( EDFinancial ) shows no payments made on their end. They want us to wait 30 days ( THIRTY! ) for a response that they found/applied our payments. Phone hold times are hours long. On several occasions, we've been hung up on once the hold goes through. When we have gotten through their representatives are nice and apologetic. They don't provide a " case # '' in order for us to track progress. Other notes under our account show credits we haven't received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXXYNCB/SAMS CLUB has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SYNCB/SAMS CLUB has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

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