vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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: MN

Complaint narrative:
On XX/XX/2023, I received an e-mail from Nelnet explaining that " On XX/XX/2023, the COVID-19 student loan payment pause ended, '' and that monthly payments would again be required. It further explains that the US Department of Education has instructed Nelent to place an administrative forbearance on my account for the month of XXXX, XXXX  and that the first payment would then be due in XXXX. However, during this forbearance period, interest would still accrue on my loan balance. The email continues, and explains that if I would prefer to begin making payments in XXXX, there are XXXX ways to opt out of the forbearance period by XX/XX/2023 : Reply directly to this email, no log in required. 
Log in to your XXXX account with your username and password. 
Call us at XXXX from XXXX a.m. to XXXX p.m. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I wished to opt out of the forbearance and I let Nelnet know this by replying to the email on XX/XX/2023. I have not received a response to this email and there is no indication on my account that my loans are not in forbearance. 

By XX/XX/2023, I had still not received any indication from Nelnet that my loans were not in forbearance. I also checked my email account 's spam mail folders to see if any response had ended up there, but none had. It was on this date that I again replied to the original email again, explaining that I would like to be taken out of forbearance, however I added a sentence explaining that I have already requested this and haven't received a response. After sending this second email, I immediately received what appears to be an automated response thanking me for my inquiry and saying that an advisor will respond as soon as possible. As I am writing this, it has been a week and I still haven't received a response. 

This has been a rather frustrating experience as this is my first time contacting Nelnet since they became my new loan servicer and it will be the first time I am required to make a payment through them. It seems like it shouldn't be this hard to what seems to be simple ; respond to my email and remove the forbearance.

I have attached all referenced correspondence below. The original email explaining the forbearance is named " Nelnet Forebearance '', my responses to the email are named " Response 1 '' and " Response 2 '', and the automated reply is named " Nelnet Automated Response ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: IL

Complaint narrative:
I logged Into my XXXX  XXXX XXXX app. Clicked on the link to pay my XXXX  XXXX XXXX credit card. And a link for credit control popped up for an entirely different account popped up. An account that was furnished by XXXX XXXX. After being tricked into provided my personal information I was told that I owe over XXXX dollars when my  XXXX  XXXX XXXX credit card is only XXXX. After asking how they ended up in my banking app. I was told to just pay. I beleive this a clear example of The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. I have a screen recording of the conversation as well as myself logging Into this app. On my credit report it states that XXXX XXXX  is the debt collector however it credit control is attempted to collect.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute with Bank of America edd prepaid card services XX/XX/2023 for the amount of {$5200.00} for transactions posted on my account claim number XXXX I wasnt provided any provisional credit at any time and has been denied on more than XXXX separate disputes Ive repeatedly asked for documentation stating the reason why it was denied and till today XXXX XXXX I have yet to be able to receive any documentation where it would give me a reason why or how this decision was determined and was dealt with. As of my part I have provided them with a police report statements to my Bank of America account ending in XXXX and social security number ending in XXXX and written statements explaining and asking to match my information with the information of the account that the transactions were sent to and for some reason it has not benefited me in any way. Ive only received a letter from BofA where a resolution XXXX with the name of XXXX XXXX with phone number ( XXXX ) XXXX ext. XXXX is stating that they would be looking into my dispute and attempt to help. I have called and left XXXX messages and yet have I received a response back from any one of BofA I dont see why would they give me a number that has possibility to ever get through or even have the expectation of receiving a return call back. What I also would like to respond that why would my previous case with CFPB was closed by this specialist case number XXXX if I the consumer has not agreed with that decision and has not been credited my dispute I am demanding my return Ive stated XXXX never authorized that transaction and have provided documentation to show that I have no links to this transaction and if so to please show me in documents stating otherwise.

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 2023-09-08 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX- {$4100.00} AMSHER COLLECTION SERV - {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: MI

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.

has violated my rights. Or a list of inquiries : 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 2023-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I received an escrow analysis statement from Fay Servicing LLC dated XX/XX/XXXX2023. There was a shortage of the account and I was given a choice of paying the shortage of {$250.00} or the new monthly payment of {$800.00} starting XX/XX/XXXX2023. 
On XX/XX/XXXX, I paid the new payment of XXXX for XXXX. My payment was misapplied to the escrow shortage of {$250.00} and the remaining {$540.00} was applied to the Unapplied payment account. 

I called on XX/XX/XXXX23 to say my payment was misapplied and asked for it to be corrected. On XX/XX/XXXX 2023, a late fee of {$27.00} was applied to my account. On XXXX XXXX, 2023, my XXXX payment was credited of {$800.00}. On XX/XX/XXXX 2023, they reversed the shortage payment of {$250.00}. 
on XXXX XXXX2023 they credited a mortgage payment of {$780.00} ( the new payment that was on the escrow analysis if you paid the shortage. ). On XX/XX/XXXX, they applied an additional mortgage payment of {$780.00}. 
I have called continually since XX/XX/XXXX2023 trying to get them to reverse all activity back to XX/XX/XXXX2023, and apply my payments to match the new escrow analysis of XX/XX/XXXX2023. 
I can not get access to a supervisor. I have gotten put on hold for over 45 minutes with no return to the call and I have gotten hung up on multiple times. 
Currently, they tell me I need another escrow analysis because there is no shortage. I believe that all the transactions since XX/XX/XXXX2023, need to be reversed and my two payments of {$800.00} each should be applied correctly. The late fee of {$27.00} needs to be removed also. I can get nowhere further with anyone.

They did offer to have a supervisor call me back at XXXX XXXX on Wednesday the XXXX of XXXX. Someone left a voicemail on Friday the XXXX with an incorrect number. The phone number went to a car dealership in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
on XX/XX/2023 I ordered XXXX XXXX Visa gift cards from Vanillagift.com, as I have ordered from them for XXXX years. Order # XXXX. The cards, according to XXXX were delivered to my mailbox, including a pic of my closed mailbox. I never got the envelope. It was probably stolen by the driver. Never had a problem with XXXX, but it was XXXX XXXX XXXX and probably a substitute driver. So, I call Vanilla Gift and to ask for a replacement of XXXX XXXX cards. Called 5x, and every time I get a rep who has to connect me to the proper office. After holding on for XXXX minutes each time, ( 5x ) the call gets disconnected on their end. This is a massive waste of time and very upsetting. I thought this company was reputable, but I was very wrong. I have a reference # XXXX. Please help!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
I had lost my Way2Go card from New York State so I called and canceled the card and ordered a new one and they said standard delivery fee there be no charge but for expedited there might be a charge I chose expedited, thinking that they would let me know what the charge was before I made the decision, but once I chose that option, they just sent it out and I noticed {$18.00} was taken out of my account. I wouldve never expedited that card had I known there was almost a {$20.00} fee for that! I dont even get money into my account for another three days so that other card wouldve been here in plenty of time with no charge. I would like my {$18.00} refunded. I think when people choose that option they should be letting them know how much the fee is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
With Nelnet Ive tried calling multiple times within their listed hours of operation but the automated recording said they were closed. My loans are supposed to be on an IDR plan, Ive made two payments based on the letter I received from them, however I am still seeing a balance due for the month. I have tried reaching out with no success. 2 hour hold times ( via phone ). Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed 4 orders with the merchant for foam slabs using my CHASE credit card. The orders numbers and items received and not received were ; - XXXX ( delivered ) - XXXX ( missing entire order. Six 5 slabs ) - XXXX ( missing four of the 3 slabs ) - XXXX ( delivered ) I contact the merchant several times by phone and online requesting a refund due to not receiving what I ordered. After not being able to resolve the situation, I did a chargeback and explained why to CHASE. I requested a chargeback of {$210.00} for order # XXXX that never arrived and {$170.00} for half of order # XXXX since it was missing half the purchased items. 

CHASE has denied my claim for the {$170.00} although I have provided all the requested information and proof that the merchant defrauded me by stating I received all orders. I have attached the entire dispute history. 

The claim for the {$210.00} is pending but I am sure to win since I was able to show that on the merchant 's own website, it shows I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
I am supposed to be in loan deferrment but anytime I try and contact them I cant get anyone and emailing gets a full mailbox response repeatedly. They are demanding that I pay my loan but I am in school and shouldve gotten auto deferment. I also have no job so where am I going to get money to pay a XXXX loan?? I sent emails to the link provided and was told it is a tech line. Seriously? This company is ridiculous to try and work with. Defer my loans!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
See attached. Get these panhandling frauds out of my email inbox. XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I sent {$47.00} on to XXXX XXXX https : XXXX who promised to provide me with access to my ( hacked and locked ) XXXX account. This payment was sent via Cash App. It was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CA

Complaint narrative:
Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year 2020 everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
Experian, XXXX and XXXX have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic 2020. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and along with inquiries with that I did not authorize but EXPERIAN and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.

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