vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I have now submitted three SAVE applications because of Nelnet issues/errors/incorrect information provided. My current SAVE application is still pending ( initial application was in XX/XX/2023 ). I have called Nelnet several times with wait times of up to 3 hours. I am being told that I now have to wait an additional 1-2 weeks to have something manually re-applied to my loan in order to allow me to make a {$5.00} payment to move to the SAVE account ( and since it is mid- XXXX, I imagine this will be a much longer wait due to the holiday ). I am concerned this will not happen before my payment is due in XXXX, and the amount is insanely high ( standard repayment amount ) and I can not afford it. 

I also requested records of all past payments made to XXXX XXXX, my prior servicer. I was given vague records of payments made on closed loans that have since been paid in full. The records did not show last payments made on my current loans. I still need this information to verify that the Nelnet balance is accurate. I am not able to obtain these records from XXXX XXXX. 

I need assistance resolving these issues, most importantly the SAVE application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My father was a Navy Federal Credit Union member. He had an auto-loan, however he passed away in XX/XX/XXXX. I continued to make payments, once all was settled, I contacted the credit union to advise of my fathers passing. It took them months to determine they would talk to me. I provided death cert, heir-ship documents and all my contact info. I was finally assigned a case specialist in XXXX XXXX in XX/XX/XXXX. To date still have not heard from that person. I continued to call explaining story over and over. On XX/XX/XXXXXXXX  the car was repossessed. When i called to find out why as it was not delinquent, I was told in the state of TX a lien can not remain in deceased persons name for more than 12 months. I explained I have been trying to work with them for sure a solid 6 months to resolve and have gotten no where! They finally assigned me to someone in the settlements department which has been an additional nightmare. The remaining loan balance was {$9700.00}. I was told to submit an offer which I did, {$7800.00}. Took another month for them to accept. I was told if I open an account that would likely make the process easier when trying to get approved for the loan so I did however my loan was declined so I went with plan B and was going to use credit card to pay-off. When I called to make the payment, I was told they don't accept credit card payments. I explained its not a Navy Federal card and no one ever explained what payments are or are not acceptable nor have I ever received anything in writing about this process, i was told its their policy. So now I am back to square one. The case manager that I was working with said she requested extension to give me more time to payoff lien of {$7800.00}. I countered again to {$7000.00}. She advised extension was approved through XX/XX/XXXX. I withdrew from my XXXX to pay lien. I called today to find out if counter off was accepted and I was told the car is up for auction. I requested information to speak with the agent that was helping me and requested to escalate to management and was told it's almost XXXX so all departments are gone. The process alone is frustrating but to be going through this in the midst of losing of a loved one is absolutely horrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an. open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1. XXXX XXXX my Account was opened with American Express bank. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
2. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX. Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, XXXX, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And XXXX to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: NE

Complaint narrative:
Us bank let me cash a check and have ne the funds but then said they could not cash the check and mailed it to my ex boyfriend and he cashed the check and didn't give me the funds so my account became overdrawn. The reason I out the vheck in my account is because they said it would be OK. I spe t an hour on phone with them making sure that it would be ok.

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 2023-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX XXXX which i never purchased

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 2023-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is the only credit bureau that continues to violate my rights. I DO NOT have any late payments, CLOSED student loans accounts or other erroneous information on my report. As a New York resident, Experian has never showed me proof of late payments or debt. 15 U.S Code 1679c never removed the debt and has the wrong address for my residence. 

How can a fraudulent account be verified? 

No proof and no recourse for their actions.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I had a loan with affirm that I've paid off. In XXXX, I asked Affirm customer service for a disclosure of how my information has been used or shared. I asked to delete my information and to close my account afterward, in that order. I kept getting the response that they will forward my request to the proper department and that department will process my request and get back to me. I've called several times, the last time XX/XX/23. Again, I was told I would get a response within 3-5 days. I was given case numbers along the way. However, every time I called back, this new representative denied funding any information linked to the case number id been provided at an earlier interaction. The final case # from XXXX : XXXX. 

I just logged into my account to attempt to close my account that way. Again, their system leads me through a fictional process to close and then I get a message telling me I can not close my account. 

Affirm 's privacy policy outlined my right to request, delete my personal information but when I try to invoke this right, I am told I can not. 

I am asking the CFPB to help me regain the management of my personal information and my financial information that is stored on Affirm 's website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These are all unauthorized and unknown inquires on my consumer credit and to my knowledge according to the FCRA legally these unverified & unauthorized items must be removed. FTC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-15 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: TX

Complaint narrative:
I submitted a SAVE application through StudentAid.gov on XX/XX/XXXX as part of the new beta roll-out. StudentAid.Gov confirmed the completed application and sent this to Nelnet, my loan servicer. No response from Nelnet whatsoever.

I re-applied via StudentAid.gov on XX/XX/XXXX again. No response from Nelnet. I applied on Nelnet directly on XX/XX/XXXX. No response. 

I called Nelnet customer service multiple days throughout late XXXX, averaging XXXX hours on hold. I finally had to re-apply via phone on XX/XX/XXXX. I received notice shortly after that I was approved to be on the SAVE IDR plan, but at a cost that was significantly higher than what I should owe based on my income. In my XXXX taxes, I was earning slightly over XXXX XXXX. I was laid off XX/XX/XXXX. Since my new role in XX/XX/XXXX, I now earn XXXX XXXX  and supplied all documentation to support this with paystubs. No response from Nelnet. I called again on XX/XX/XXXX and my information was submitted to correct the problem and I was placed into forbearance and interest is now accruing while my application is stuck. 

Since then, my application has been stuck in limbo and it says I will owe over XXXX XXXXXXXX in XXXX, when according to the StudentAid.gov calculations and the rubric provided by the SAVE act, I should owe closer to XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My account was an error with account number I couldnt make payments from a payment center. I finally got into my bank account and it shows during time of repo that the company had taken XXXX payments after repo, the car was sold at an auction and they demand for me to pay the remaining balance which I told them at the time that it was an illegal repo and if they sold the car then its their responsibility for the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I called MOHELA in mid XXXX ( around the XXXX ) and asked to change my date of payment from the end of the month to the XXXX. They told me it would take XXXX billing cycles to happen. So I called in XXXX ( around the XXXX ) and they said it had not gone through and they would reapply and to check back in 1-2 billing cycles. I called in early XXXX to findout that my date still had not been changed and was still in " process '' and could not be expediated. I also found out during this call that there was an error in my first call and I was in " pay ahead '' status which makes it where they can not automatically change my payment date. I was told that this should have been fixed by MOHELA at the time. However, none of this was communicated to me via email, mail, text, or online portal messaging. I have been working with an ombudsmen at the Department of Ed XXXX XXXX ( XXXX ) who has not been able to get MOHELA to respond to her on why my date isn't changed. This whole time I have asked for administrative forbearance until they can solve the issue and am not getting the loan rate discount since I am not in autopay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed copy of my credit report, I am shocked by the unauthorized inquiries i viewed upon my report. Bases upon federal law I am promised accuracy for my report. I demand all these unauthorized inquiries shall be DELETED from my credit report immediately.

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 2023-12-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of bank fraud for almost {$7000.00} Since XX/XX/2023 I have been going back and forth begging pleading with prepaid claims to return my money taken without my knowledge or permission!! 
In addition to the moneny my XXXX XXXX XXXX XXXX XXXX {$45000.00}. In jewelry has been taken I have provided everything they requested did everything they asked Im at my wits end and am being evicted because of this. 
Not to mention every time I call my heart breaks because some stole money I really needed and Bank of America doesnt care Im just another dollar. 
Please just give me money back I did NOT make any of those transactions, its a shame Ive never felt so violated and unprotected by the bank trusted with my money, sad!

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a XXXX payment sent last week. It has still not cleared. The money left the others person 's account on monday and I have still not my money. Every time i call chase im sent to some XXXX XXXX XXXX  and get zero help. I am not sure why i do not have access to my money or why these customer service reps are so incompetent. I have called in many times trying to resolve this directly, but with no success. 

CHASE DO BETTER I AM XXXX AND THIS REALLY IS NOT OK TO DO. DO I NEED TO CONTACT ADA? WHY CANT I GET ANY GOOD CUSTOMER SERVICE? 

XXXX from the XXXX XXXX XXXX refused to transfer my call to the supervisor and mocked me when I mentioned that I was XXXX, then hung up on me. I encourage chase to pull the call and here this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I opened a personal loan account for airline ticket purchase in XX/XX/2023. XXXX company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The XXXX company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opened a personal loan account for airline ticket purchase in XX/XX/2023. XXXX company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The XXXX company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened a personal loan account for airline ticket purchase in XX/XX/2023. XXXX company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The XXXX company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing numberXXXX ; an account number:XXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with explanation