vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I attended XXXX or XXXX  XXXXXXXX XXXX from XXXX. I can't ever get a person whenever I call Mohela. On a side note, I was denied the XXXX because I didn't have my govt. loans in a " direct loan '' for the whole 10 years.? 
Anyway, when I refinanced my home, in XXXX or XXXX. I took about XXXX grand of equity out and I paid off the rest of my direct loans from XXXX XXXX, a XXXX XXXX. I shouldn't have done that! My friends are getting refunded money paid towards their loans from the Corinthian lawsuit and their loans forgiven, but I never got a refund or a letter. I don't have any more loans from attending XXXX so is this why? How do I get reimbursed? I'd love to put this back in to my home or help to assist my XXXX with his college. This is XXXX grand that I really need as a single parent. If others are getting their loans forgiven and getting their money back that they paid towards their loans, I should as well. I don't know how to go about it though. Since I don't owe money for these old loans, maybe it's not automatic in the system. How do I get them pulled up so I can get refunded. I can't understand how I wouldn't be eligible for a refund by being responsible and paying them off ( only about 4 or so years ago when others have not made any or little payments! I didn't have the money, but I refinanced to get rid of them. I can really use this money. Please please help! I called the department of education, and they said I needed to contact Mohela for the Corinthian lawsuit loan refund, but they don't answer. 

Not as important at the moment, but I'm also waiting on a refund from the money I paid during covid on my newer loans. I was told it would take up to 90 days. It's been way longer. I really appreciate your help with these issues. I am lost on what to do. 

Sincerely, XXXX XXXX last XXXX of ss # XXXX XXXX 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
Today XX/XX/2023 I keep getting a wrong address error when trying to use my visa gift card. I am using the same address as my first purchase which went through fine. I tried their website but says to use my shipping address which I am, their toll free number is all automated so I can't get help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a check of XXXX dollars on XXXX XXXX and it cleared XX/XX/2022 I have power Of Attorney for my uncle who is in prison. I did not know about XXXX party not been accepted at chase bank. I was told to upload the document which the bank did. Then was told it was expired to get new Form which I did with my uncle. Took it to banker he uploaded called customer service which was told it was accepted and will mail check out because they had closed my account. Or to open new account and will be deposited. Which never happened I called customer service again was told forms were not accepted they would need to verify with my uncle I gave them all information to them to call prison to verify. Nobody is trying to help with that I have everyone name times who I spoke to it's going on 2 months. I asked for them to send back check to the maker XXXX XXXX. My XXXX needs his money it's not right and they have no reason to hold the check its XXXX they cleared. I dont know what else to do. I just want them to issue back to the maker of the check. Need Help Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was charged late fees on a Land 's End credit card account managed by Comenity Capital Bank because they had not received payment for a previous bill. So I called the company and told them my bank 's ( XXXX XXXX ) bill pay had sent the payment XXXX days before the bill was due ( XXXX XXXX ) and that I could send them a copy of the transaction. They agreed to waive the late fees and I paid the bill over the phone by giving them my checking account numbers ( XXXX XXXX ). I then cancelled the initial check which we all assumed had been somehow lost. I then got another bill with a returned check fee ( {$30.00} with interest ). When I called the company and talked to a supervisor he told be they had received the check XXXX XXXX, a full month after it had been sent by XXXX and that due to certain banking regulations the returned check fee couldn't be waived. 

From my perspective there seems to be XXXX dubious practices here by the company : ( 1 ) they said they didn't receive my check in the mail for over a MONTH after it was sent by my bank ( and then they tried to deposit it AFTER I had paid my account in full ) and ( 2 ) they couldn't waive the returned check fee due to certain banking regulations that apparently apply only to Comenity. The latter was their response when I told them XXXX was willing to credit my checking account for the returned check fee. 

I did file a complaint with the XXXX in XXXX, OH, which is where Comenity 's headquarters are located. That site indicates some XXXX complaints have been filed against the bank in the past XXXX years, resulting in the bank receiving the lowest possible accreditation rating ( F ) from the XXXX So I don't really think Comenity cares anymore and that someone, somewhere needs to protect consumers by either getting them out of the credit business or fining them, or both.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: AL

Complaint narrative:
During COVID, I took advantage of the forbearance because XXXX am a XXXX and our industry was shut down. When my forbearance ended, Flagstar told me that I had to pay the balance in full that was owed before they would allow me to begin my normal payments. I started the process of taking out a personal loan to pay this amount, but since work was open again I continued to try and make payments to Flagstar and continued to show them the proof of the loan I was getting to pay the amount for the forbearance. Flagstar told me that I would have needed to fill out a form to extend the forbearance, but they waited until I had tried numerous times to make my payment. I asked them to send me the form. They never sent it. They claimed to have mailed it and on every occasion I never got it. ( today they seem to have an online application, but this was clearly not available during this time ). As I continued to try and make my payments, they continued to refuse my payments and tell me I needed to fill the form out and then continued to NOT send me the form. This went on for a long time. They were reporting late to my credit report and thats ridiculous. The forbearance was set up to help us when our entire industry was shut down. I was in the process of getting the funds to pay in full, but they could have begun taking payments outside of that. I know that they did this for a family member of mine! Now my credit has taken a hit and it is showing on my report. The entire time, the whole process ( even before ) was chaos and no one ever knew what was going on or what needed to be done. This has penalized me as a customer. COVID was not my fault, I was taking advantage of relief that was offered and we all know that the mortgage companies were getting help too, so why is it ok for me to be impacted when I was trying to make payments and was never explained the process before hand. Had they told me that I would need to pay the full amount at the end before they would accept anything from me, I would have asked family to borrow money or something and wouldnt have done the forbearance because in the end, it hurt me. It did not help me. This is predatory.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I initiated a wire transfer around XXXX  on XX/XX/2023 as part of a payment I was contractually obligated to make on this date. The status of the wire transfer was on 'Reviewing ' for the remainder of the day. The next steps in the process are 'Processing ' and 'Sent '. On Monday XX/XX/2023 I checked the status of the transfer and it was still stuck on Reviewing. I checked the timelines provided by Ally and I had initiated the transfer before the cut off so it should have been sent same day. Up until this point I have not received any communication from Ally as to why the wire was not being processed. Two phone calls later and some escalating I was finally told that the wire was on hold pending research and that it would not process until XXXX on Tuesday XX/XX/2023. Around XXXX on Tuesday XX/XX/2023 I checked the status and the wire transfer was still in the Reviewing stage so I called the customer service line again. I informed them the urgency of this wire, as I was now out of compliance with a contractual obligation because they have not processed the wire. I was informed that they closed out the research and I should expect a phone call any minute from the wire team to verify the information provided. I was assured the wire would be sent out today. It is now XXXX and I still have not been contacted by Ally bank, nor has the wire moved out of the Reviewing stage into the Processing stage. I am now at risk of losing the home I am trying to purchase because Ally is unable or unwilling to process the wire request, and is not communicating to me as to why the wire is not being processed. Either the customer service agents are misinformed, or are outright lying to me about next steps, timing, and when/if the wire will be processed.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed OPEN Status Late 30 Days Past due amount {$6000.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$1600.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$120.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: OR

Complaint narrative:
Details of the loan : Lender Name XXXX XXXX XXXX XXXX Loan Type Private Loan Status In Deferment or Forbearance Original First Disbursement Date XX/XX/2022 Total Disbursed Amount {$12000.00} Total Capped Interest {$0.00} Current Principal Balance {$12000.00} Outstanding Interest {$670.00} Current Interest Rate 10.500 % I was misled into taking out a loan for XXXX XXXX. The XXXX was of poor quality, subpar, I did not receive the quality of education or program promised. I did times where I did not have a mentor that I paid for. XXXX had lied about their job prospects after graduating, their " partners/affiliates '' of which neither I nor any of my colleagues ever received a list of who these partners were. XXXX also stopped providing me careers support which was also a part of the program that this loan had paid for, immediately making me ineligible for their refund guarantee ( due to a XXXX complaint. XXXX had been informed about the XXXX  complaint and reviews before any of them had been posted. XXXX indicated that this was of no concern for them and then proceeded to block me from all careers support as soon as I had posted them ). XXXX 's XXXX is in itself, essentially impossible to achieve because of certain requirements. For example, all capstones and mock interviews must be done within two attempts. However, during capstone projects the graders can ask for endless amount of revisions, those revisions can come out of nowhere and do not have to be part of any project requirements. XXXX can easily fail student attempts twice for any reason ( even something as simple as font color, adding extra features etc. ) and immediately disqualify them. I have added a file here which details abuses from XXXX in great detail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MO

Complaint narrative:
I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX  accounts listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I filed a complaint on XX/XX/2023 with First Federal Credit control in regards to XXXX separate collections they have been reporting on my credit report. They stated they would send me the requested documentation of my debts for {$560.00} and remove the collection for {$300.00} as they couldn't provide documentation I requested. However, i have not seen the one for {$300.00} be removed and the documentation that was sent to me for the debt of {$560.00} was not complete. The breakdown that was sent does not show any proof as to what was paid and what was not. What portion of payments went to what and what is still outstanding. I would like this in detail as well so I'm able to verify what is outstanding and what's been paid for already. 

I requested proof of my authorization given to you by the original debtor and was NOT provided this. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request was twofold -- validation of debt and XXXX authorization. I asked for you to Provide a copy of my signature with the provider of service to release my medical information to you and you did not provide this. 

If you are unable to provide all requested documentation then you are not following proper the FDCPA. 

So again, I request documentation of my original signed authorization from the provider of the service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent, XXXX. I will await your reply with the above requested proof. Upon receiving it, I will respond by certified mail. 

If you are unable to provide what I'm requesting in full I will expect to have the debts REMOVED from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I currently filed a bankruptcy with the federal government. The bankruptcy was filed in the state of ILLINOIS. Case # XXXX to XXXX XXXX XXXX XXXX XXXX There are false and negative information being reported. XXXX asking for this negative information and debts be removed from my consumer report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with any collection agency. They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant send proof delete this account from credit report as soon as possible! YOU ARE THE ONLY ONE REPORTING THIS ACCOUNT AS WELL!!

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wife and I purchased a home ( XXXX XXXX XXXX, XXXX, NY XXXX ) in all cash purchase that closed on XXXX XX/XX/2022. Subsequently we have sought to obtain financing on the property but this has been complicated due to the failure of the sellers ' mortgage servicer ( Chase Bank ) to file a satisfaction of mortgage with the city. Efforts to contact the lienholder XXXX XXXX XXXX, successor to XXXX XXXX Bank ) and Chase have been unsuccessful. Chase will not discuss the matter with me because we are not the persons named on the mortgage note, which is in the name of the sellers of our property. We have copies of the cheque issued to Chase as part of the closing from our title company and other documentation but it is seemingly impossible to get this XXXX lifted from our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have XXXX late payments on my report from a company that was not my fault. I never received a bill or notification of the bill until it was to late. I have tried fixing the error with the company and explained i never received the bill but have not had success. Trying all avenues to get this fixed so i thought i'd reach out too see if there is anything you can do. Your help is greatly appreciated. Thanks

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone went online and processed an application for a Capitol One XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2023. The bank called to verify that this was me and I told them No. I placed a freeze on all my credit processing reports as soon as possible. My concern is that these people may still have my personal identifying information.

Company response to consumer: Closed with non-monetary relief