vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: AZ

Complaint narrative:
This company is violating both State of Arizona Laws and federal laws. For state of Arizona laws they are charging interest rates above the allowable state law. After speaking with a debt settlement company they advised me that Arizona caps small loan interest rates at 36 %, and that the interest on my loan far exceeds what is allowed under state statue XXXX XXXX. XXXX. XXXX. Which explicitly states that all the lenders wishing to operate in the state must adhere to 36 % APR small loan cap on loans less then {$3000.00}. After speaking with the state attorney General they confirmed this loan would fall under this statue. After advising the company of these they responded with the following : Our records indicate that on XX/XX/2021 you signed a consumer installment loan agreement with XXXX XXXX, which clearly discloses that the lending entity is XXXX XXXXt, a division of XXXX XXXX Bank, a Utah XXXX bank, located in XXXX, Utah, Member FDIC. Pursuant to the terms of the Loan Agreement with XXXX XXXX, you were funded a loan in the amount of {$1500.00} on XX/XX/2021. 
XXXX is a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Consequently, XXXX is governed by both federal banking laws and the laws of the State of Utah. Balance Credit is an authorized servicer of XXXX XXXX, a division of XXXX, retained to perform certain marketing functions for the benefit of XXXX XXXX. In signing the Loan Agreement, you expressly agreed that " You acknowledge and agree that this Agreement is subject solely to applicable Utah and Federal law. '' If the terms of the loan were not acceptable to you, the Loan Agreement provided for a recession period. However this set up is still illegal under federal law, the true lender rule repeal that happened in XX/XX/2021 made it clear that a bank can not be considered the true lender if the loan is managed by, sold to or sourced from a non-federally regulated financial institute. After the repeal, the instructions where clear. Lenders will no longer be able to get around consumer protection laws like interest rate caps just by putting a bank 's name on their paperwork. They are illegally trying to circumvent state of Arizona max cap rates, and their is laws that explicitly forbid their business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/2022 I tried to withdraw {$500.00} in cash from a XXXX XXXX XXXX in XXXX, WI on XXXX XXXX XXXX XXXX the transaction was approved but never disbursed my funds. I have filed multiple disputes and no response from cash app. Ive contacted the atm provider at ( XXXX ) XXXX and spoke with a XXXX who states the funds were sent back to cash app. I need help because cash app is refusing to follow protocol and it has been over 10 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I sent in a letter stating facts and they closed my account without my permission. And someone setup automatic payments which I did not approve. THIS IS AN ADVERSE ACTION AGAINST A FEDERALLY PROTECTED CONSUMER. 

I was on the phone with Discover for over 3 hours and they just kept giving me the run around. Once I talked to the last representative he laughed at me and was using obscene, abusive and profane language to me then just hung up on me without letting speak. THIS HAS CAUSED MY XXXX XXXX TO GO UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority
State: OH

Complaint narrative:
This complaint involves a Parent PLUS loan that was currently held by XXXXXXXX XXXX  and serviced by XXXX XXXX. 
In XX/XX/2022, I refinanced this loan through MEFA, with loan servicing by XXXX. 
On XX/XX/2022 I received written notification from MEFA that it had disbursed the full payoff amount of {$62000.00} to XXXX on that date. 
As of XX/XX/2022, XXXX XXXX has not credited that payment to my account, and has indicated by telephone that it has no record of the payment that MEFA claims to have made.

I have called MEFA 's customer service phone number ( XXXX ) five times : XXXX XXXX ( approx ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX On each occasion, I explained the issue to the customer service rep, who has promised that the issue would be looked into and that someone would call me back. 
On the XXXX XXXX call, the customer service rep told me that MEFA would make direct contact with XXXX to track down the missing money. I have been unable to confirm whether that attempt was ever made. The only time MEFA has ever kept its promise to return a phone call was to verify my account number with XXXX after my initial call. Since then, MEFA has been non responsive. 
I have asked MEFA to provide me with the identifying information about the electronic payment it claims to have made, so I can attempt to track it down myself. They have been non-responsive to this request, too. 
As of XX/XX/XXXX, I have had to make two separate payments on the loan - one to XXXX and one to MEFA- to avoid late charges and a negative impact on my credit report. I'm not able to sustain making double payments. MEFA has put me in a vulnerable financial position by its own negligence and unresponsive customer service ; and it has failed to uphold its part of the loan agreement because there is no evidence it has ever paid the previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently pulled my credit report and noticed that Experian was reporting some inaccurate information being reported. 

I noticed that Experian was reporting on my credit file several different names and addresses. This is inaccurate due to the fact I have only one name and one address that I am known by and use. 

I also have credit monitoring with Experian and noticed that they reported on several occasions that my social security number was found on the dark web, as well as my phone number. By you reporting multiple names and addresses on my credit report makes it easy for identity theft of my personal information for mail going to addresses where I no longer live at or have never lived at. 

I disputed the information in XXXX of XXXX and XX/XX/XXXX that Experian remove any names and addresses from my personal history, which may be on my credit report that is not listed as the name and address provided, but Experian refused to remove it and updated it as verified, as it remains on my credit report. This inaccurate reporting of information has affected my ability to apply for and receive credit fairly under the laws set forth by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am disputing a charge for {$260.00} that appeared on my USAA credit card for a purchase I did not make. I received no goods or services from the charge. The details of the transaction are included in a letter I sent to USAA dated XXXX XXXX, 2022. I have had numerous calls with USAA regarding resolution of this matter. Basically USAA is stating that either I or a family member did indeed use the card to make the purchase because the purchase was made using a chip card. I am stating that neither I nor a family member used the card to make the purchase for {$260.00}. I have spent several hours being shuffled back and forth between different USAA representatives, all to on avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My husband and I get a lot of 0 % interest for 15-18 months Balance Transfers from banks all the time. And we like to use them, we agree to the 3 % transfer charge. So we did this with Bank of America about 2 years ago. They had made it a Cash Advance/check instead, basically charging us loan-shark interest monthly and taking out 2 payments a month! We didn't notice until we did another loan transfer to another bank for the Bank of America 's balance. Then one week later, XX/XX/22 there was a new cash advance on our account charging interest and taking out 2 payments a month. 4 payments within a 30 day period XXXX, XXXX, XXXX, XXXX. XX/XX/22 - XX/XX/22 {$670.00} When I called them, they had me on the phone for 2 hours transferring me back and forth from to fraud department to customer service and back again. I asked the representative what are we paying on, we transferred the whole loan/balance? The last person from the fraud department went to transfer me back and the phone went dead. The first guy I talked to XXXX from Tennessee, said to me, " It looks like you have cash advances '' I panicked because this isn't us. My husband and I don't spend like that. We have thousands in the bank. Why wouldn't we just use our free money? We originally used a credit card for educational purposes. * On the statement it also says interest on purchases, we have NEVER used any balance transfers for anything but the initial transfer. 
And balance transferred this to Bank of America 2 years ago. I went to a physical location there were no people, it was a virtual meeting with a representative on a screen that never connected, I tried all of the monitors, nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: FL

Complaint narrative:
Starting XXXX to resolve missing misapplied payments. Failure to produce records and accurate documentation, a scam between XXXX and JPAY preventing completion of a legal obligation no return calls or assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: CA

Complaint narrative:
XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Attn : Customer Service Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, TN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Owner : XXXX & XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Vanderbilt Mortgage and Finance, Inc ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 
Although Vanderbilt Mortgage and Finance , Inc is my loan servicer, I am unaware of the present lender, which is allegedly governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Venmo account temporarily frozen on XX/XX/22. Upon following up, I was told that they could not tell me why my account was frozen nor when it would be unfrozen. Further, the team in charge may only be reached by email. Not even other customer service reps may communicate with them over the phone ( strictly, email ). I have received no messages, emails, calls, etc. from the frozen account team since the initial notification on XXXX. I have followed up multiple times, daily, since then. But to no avail. I am told the same vague answer- over and over : they cant tell me any details. In the meantime, they are holding over XXXX of mine and I am absolutely unable to pay any bills, buy any food, fill my car up with gasyou get the idea. I am with no resources because they are holding them hostage and refusing to tell me why. What do I do?!?! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank have restricted my account with no justifyable reason. They are holding on to my funds and this is the worst banking experince i have ever had to endure. I no longer wish to bank with this bank and i would like my account closed and my funds mailed to me cashier check. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened a new checking account with Truist Bank online, XX/XX/2022. Deposited the minimum amount to open the account {$50.00}. The next day, the bank froze my account and has refused to return my {$50.00}. I have made two attempts to retrieve the money by personally speaking with bank 's representative at the branch in XXXX, Florida, XXXX XXXX XXXX, # XXXX. 
Called the bank 's main number # XXXX, several times but to no avail. All they tell me is that the account is under review. 
At this stage, I just want the {$50.00} returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: AR

Complaint narrative:
I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional {$59.00} everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled. 

I have sent the information to Klarna also. They refused to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
FedLoan Servicing has refused to update my credit report with their transfer of 2 separate Department of Education Loans to XXXX. The transfer occurred on XX/XX/XXXX. I disputed the reports through the XXXX XXXX app in late XX/XX/XXXX, then again in XX/XX/XXXX, well over 30 days since they transferred the loans. 

The dispute resulted in that FedLoan did not agree and the dispute stated it was resolved with the XX/XX/XXXX balance still reported. Both Department of Education loans have been paid in full through XXXX since the transfer. Incorrect information can have a significant impact on my ability to obtain other credit and demonstrate current financial obligations. 

FedLoan Servicing has made many errors on my account including withholding that they were going to capitalize interest or failing to give options for repayment. I had to learn how to do everything myself during my time with them as they consistently led me towards increased debt and capitalized interest. They took 6 months to process changes such as payment plan changes and when I was on XXXX mishandled paperwork. Please help me fix this issue so I can finally be rid of FedLoan Servicing and their criminally incompetent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gragil Associates, Inc.
State: MN

Complaint narrative:
Received call saying I owe on an old pay day loan. Said if didn't pay they would file lawsuit Took pay day loan over 11 years ago. I recall repaying loan Said if didn't pay they would file lawsuit and garnishment Told them to file and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion has been reporting a negative account on my report for the last 3 years I have suspected and they will not remove the account is incorrect has no date no amount and showing negative for three years I have reported over and over and they have done nothing to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: OH

Complaint narrative:
Equifax, XXXX and XXXX are refusing to remove fraudulent information from my credit report. I have submitted all proper documentation under the law - and yet they refuse to remove the info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a regular savings account with XXXX but I never got a loan with them and they put me on bad credit for a balance owed I never had. I would like to get it removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I signed a modification packet with Freedom Mortgage who services my loan. I made my first payment on XXXX XX/XX/XXXX and attempted to make the 2nd trial modification payment in XX/XX/XXXX but instead was told my modification paperwork WAS NOT in the system and i would have to wait to make the XX/XX/XXXX payment. I called in XXXX on 4 separate occasions and finally was informed the modification paperwork WAS NOT returned by the notary and Freedom Mortgage would have to underwrite my loan again for the modification. I, called every week since XXXX XX/XX/XXXX and I have been told it would take 10 days, 30 days, the file is still in underwriting, a host of excuses and as of this day XX/XX/XXXX, I have not received another modification, I've received calls in regards to payment, but no resolution as to what I was promised. ( A NEW SET OF MODIFICATION DOCUMENTS ).

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