vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: AES/PHEAA
State: NM

Complaint narrative:
For years, and years Ive had student loans under the XXXX program. Instead of getting paid down, they keep on increasing. Ive been paying since XXXX. I am also the founding executive director of two eligible non-profit institutions listed in the directory. One was founded in XXXX, and another in XXXX. Ive worked in service for 14 years. My loans are now listed as being eligible for forgiveness in XXXX ( 15 years from now ), after I make XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I closed my US accounts with HSBC bank after they announced they were exiting the US market and selling their business to another bank. I transferred my money to a different bank of my choice. Subsequently, HSBC is charging a monthly maintenance fee and are now trying to collect it as a debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a XXXX fraud claim through Bank of America fraud department against what I discovered was a person with a history of fraudulent activity on a website ( claim # XXXX ). After I submitted payment to this individual via XXXX on XX/XX/XXXX and never heard back from seller, the next day the website emails me that this person has been flagged for fraud and they said in order to open a claim for partial refund I would first have to contest with my bank and once a denial letter is received I would then need to forward to them. But I only had 60 days to do so. However, I never received a communication from Bank of America within that 60 day period therefore loosing all hope of reimbursement. I tried to file a complaint with XXXX XXXX and XXXX XXXX from the Fraud department at B o A regarding this gross negligence which has cost my a lot of money. But they have not followed up with my complaint. Please see below for timeline details : I opened a claim with XXXX from B o A fraud dept on XX/XX/XXXX ( the next day ). I was told that I would be notified via email for document requests and decision. I DID NOT RECEIVE ANY EMAILS. I called back on XX/XX/2021 and spoke with XXXX who said that they are still reviewing the case and I would be notified via email. NO EMAIL RECEIVED. Since I had not heard any further correspondence or emails, I called back on XX/XX/XXXX and spoke with a rep named XXXX who then notified me that my case had been denied. I did tell her that I never received an email from B of A and I have been calling this whole time and now I am outside of the 60 days to dispute with the website. I asked for the denial letter and she says it will take another 5 business days. Since I was never notified by bank of america of any denial I am now in a bad situation and I am now going to lose {$1800.00} because of literally NO COMMUNICATION FROM BANK OF AMERICA.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor and dispute it with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital is asking for debt that I do not owe. They state in the letter that my debt is with a company, I called the company in question who said I dont owe anything. When I called Jefferson Capital they were asking me for personal information. This is obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: AES/PHEAA
State: NC

Complaint narrative:
Over the past few years, through requested audits and working with the CFPB and the North Carolina Department of Justice, Consumer Protection unit, I have tried to receive a fair evaluation of payments I've made to the PSLF program.

However, despite that, there are six ( 6 ) payments that still aren't counted as part of my overall PSLF eligible payments made that I believe should be considered eligible due to my conversations with Fed Loan Servicing phone representatives, who advised me each time I had questions about my account. These phone representatives took notes during each of our calls, and it is my belief that Fed Loan Servicing should look into those notes, which will verify that the following payments should be counted as part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX With Fed Loan Servicing sending student loan accounts to a new servicer this XXXX, I believe that this issue needs to be resolved prior to the transfer of my account. 

Thank you for your assistance in this matter. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email on XX/XX/XXXX Dear Fed Loan Serving, I wanted to provide my addendum regarding my request for an audit of my account prior to any transfer to my account to a new student loan servicer. Specifically, I would like a detailed explanation as to why the following student loan payments were *not* counted as part of PSLF counts, which is currently at XXXX/XXXX. It is my belief that based on guidance from Fed loan Servicing phone representatives, I followed the appropriate instructions related to payments for the following months and believe that they should part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX Throughout my experience with Fed Loan servicing, I have always turned to your phone representatives to answer any questions I had related to my payments, and believe that the 6 monthly payments should count toward my PSLF. 

Because of the urgency of this issue and the transfer of Fed Loan student loan accounts to another servicer in the next few months, I will be elevating this issue to the CFPB and the North Carolina Department of Justice, Consumer Protection Unit. 

Please conduct a diligent audit for the months noted above, so that this issue can be fully resolved before the transfer of my account to a new servicer. 

Thank you, and I appreciate all of your help in this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. 

I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. 

The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. 

This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been with this company since XX/XX/2021 and they aren't reporting to credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Navy federal credit union agree to bring my car load and credit card to a good standard. In return i was going to pay them a settlement. I pay the settlement and the still report my accounts in bad standard. I call them on XXXX they say they will fix. But the did not. I call on XX/XX/2021 to navy federal and they admitt. The agreement but they still refuse to bring my account to good standard. They want me to pay more money after the settlement.i got denied on house mortgage loan because of the damage they are doing on credit because the still reporting. Im streess out this ruin my life. They are worse covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXX XXXX XXXX, XXXX sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from XXXX XXXX. this is also running up the costs on the judgment which seems punitive

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My wife and I are trying to build a new home and when the bank tried to pull credit, they told me that Equifax was blocked and that I needed to contact them to lift the freeze on my account. I have spent over 15 hours on hold and talking to multiple Equifax customer service reps and each one of them have just told me that they can not access my credit file. They don't tell me that it's frozen, rather that it does not exist at all. They asked me to send in my social and drivers license to get it resolved, so I have done that 5 times now. 

After I had sent over the information multiple times, I finally got a response that my credit file doesn't exist- which is not true. I have existing credit cards, multiple car loans that I've paid off over the years, and my credit report is available through the other two major bureaus. 

Every time I call in or send correspondence, I get the same answer with no other possible solutions. There's no one I can call, no case # I can file, nothing. They are impossible to work with. I just sent them another letter with a copy of my other two credit reports to prove to them my credit should exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing this complaint in response to complaint # XXXX. I spoke with a representative of the CFPB on XX/XX/2021 and was informed that Experian closed the complaint because they believed a third-party had submitted the complaint. I am confirmed with the representative of the CFPB that I, XXXX XXXX, am in fact submitting this complaint and Experian is continuing to dodge my complaint and violate my rights. I was informed that I would most likely have to take legal action for Experian to do anything. The XXXX XXXX Account is still on my consumer report. I demand compensation for these violation. The following is my original complaint : I, XXXX XXXX, a natural person spoke with XXXX at Experian on XX/XX/2021 at XXXX PST. He stated XXXX XXXX has verified all information on my credit report. I asked him if XXXX XXXX produced documents stating written permission to furnish this information to my consumer report. He stated Experian does not have this document and XXXX XXXX never produced the document. The Experian representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to XXXX XXXX or Experian to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. Experian is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. Experian is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. Experian is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation. 

I have attached an invoice for where my check can be mailed to. Thank you!

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 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA Last reported XX/XX/2021 {$0.00} Reported balance The account is not my account please remove from credit profile.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried on multiple occations to fix my inaccurate personal information that's reporting to this company. I receive item was verified when it can't be correct because I send my drivers license and proof of address. Nothing every gets correct and still inaccurate information stays on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 unauthorized charges in the amounts of {$190.00} and {$20.00} were debited from my account, previous card number ending in XXXX was reported lost/stolen on XX/XX/2021. A new card ending in XXXX was received and activated on XXXX XXXX. The merchant of unauthorized charge was not authorized to debit funds from new card ending in XXXX nor checking account. Merchant was never given card nor account number.

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 2021-10-06 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:
I applied for the STUDENT LOAN FORGIVENESS. Was sent an email stating that my request was approved, however couple of days later received a notice in the mail stating that it has been denied.Just would like to be approved since all school have been closed due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been trying to understand why this company has not applied over {$4000.00} that i have paid onto my mortgage which is still stating I am behind for almost a year. I have bank statements from XXXX that shows payment every month since XXXX  when i purchased. I was put into a forbearance without my approval. Every time i call I have been told they can not tell me what is going on. They will not allow me to speak to upper management. The mitigation department has told me i do not have to pay XXXX payment but i have to pay {$500.00} which is not true. I called my lawyers and they directed me to file a complaint against US Bank mortgage. They have my account so disturbing and confusing and no one is trying to address the issue. I had a representative tell me out of frustration on her behalf that their systems are talking to one another. I refused to pay any further mortgages until this mess is straighten out. Every department tells me something different and i have no idea what is going on. My attorney has sent authorization for them to speak with me and still no assistance is given. This bank has me very XXXX. It appears that maybe fraudulent is occurring. Please Assist!!!!

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