vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/12 I contacted Firstmark Services, the servicer for my XXXX XXXX XXXX My inquiry was simply if I had a forbearance available. The agent told me that I had 8 months of forbearance available on my account that could be used in 2 month periods. She then assisted me with applying for the forbearance and pushing my XXXX payment date past the timeframe they say it will take for the forbearance to be approved so I will not need to make a XXXX payment. 

XX/XX/XXXX comes and they automatically draft over {$400.00} from my account without any notification that the forbearance was denied. 

I contacted Firstmark again on the XXXX and was told my request was denied because a hardship and plan for resolution was not listed. I explained to the agent that I had lost my job and just gone back to work, but would not receive my first check for another month. I also explained that the previous representative never asked me that question when submitting the request, otherwise she would have gotten the same answer. The second agent resubmitted my request and requested that my payment be refunded as the unexpected payment caused my account to overdraft and left me with nothing to feed my kids or put gas in my car to get to my new job. 

Today I received notice that my forbearance request was denied yet again because as it turns out, it was never available on my account to begin with. Had my initial inquiry been answered correctly I may have had time to contact my other lenders and move funds around so I didnt end up in a situation where Im unable to provide for my family. 

Due to the carelessness of Firstmark and their staff Im now in a situation where I might lose this job because I cant afford to get there next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 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 2023-07-25 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I telephoned Citibank customer service department via telephone and asked if I could pay off a Citi Flex Pay plan number XXXX that was accruing a monthly service fee of {$2.00}. I am not sure what happened and/or how the monthly fee came about, but rather than argue the point, I simply asked to pay the entire amount owing on that plan in full, which I did. The amount owing on that day was {$410.00} and their customer service representative took my payment over the telephone and assured me that it would apply in full toward the Flex Plan number XXXX. It should be noted that the payment was extra above any minimum payment due as of that date. 

On XX/XX/XXXX, I noticed that the balance of Flex Plan number XXXX had only decreased down to {$380.00} and the rest of my payment from XX/XX/XXXX had been spread across the balances of other flex pay plans on my account. I telephoned Citibank customer service team again at XXXX XXXX and was told that an error had been made by the first customer service representative, but my request would be honored since that was the agreement when I made the payment. 

Today, I noticed that the Flex Pan number XXXX still has a balance and made another call to the Citibank customer service team. During that conversation today, I spoke with supervisor XXXX with an ID of XXXX, who told me that the payment I made WILL NOT be used to pay the Flex Plan I had requested be paid in full. He then hung up on me! 

It should be noted that the supervisor for Citibank also stated that payments made by me apply first to late fees and interest, then to balances with lower APR. I believe that is a violation of the Fair Payment Allocation provision of the Credit Card Act of 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 monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a car loan with Bank of America in XX/XX/XXXX and fell behind payments for several months due to illness. I called Bank of America in XX/XX/XXXX to requested car loan extension but got declined. They repo the car in XX/XX/XXXX. After that I never heard anything from them. The loan account info is no longer available on my online app ( that where I get the info from ). I never received any letter or phone called about the car loan debt and what they did with the car. Because I was home less and no job due to health issues. I made some money from XXXX XXXX XXXX on XX/XX/XXXX. Money deposited into my account on the XX/XX/XXXX and then Bank of America illegally took {$10000.00} from my account on XX/XX/XXXX without my consent. Because I never received any explaining letter, email, phone calls about the debt collection after they repo the car. The debt information is never available on online app for me to see. I talked to them on the morning of XX/XX/XXXX and asked them to return my money but they declined. Its illegal to take my money without my knowledge about the debt. I dont know how much they sold the car and how much I still owe them because I never received letter, email, phone calls or online app. I dont have a home that is why I cant receive the letter, I changed my phone number but I was updated on online app. They should send me an emails or provide the info on online app so I can see them and make an arrangement to repay. Its illegal to take money from me without my knowledge or consent. Please return my money and info me how much I owed and I can make arrangements to repay. Thank you 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 monetary relief
Consumer complaint received 2023-07-25 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:
I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/XXXX a customer sent me a check for services, under the email of XXXX This was the first time I ever dealt with e checks, so I deposited following the steps provided by my bank. 

I immediately noticed, after depositing, that the amount was wrong and more then what they said I would get. & eventually started spamming me that they needed the refund asap. 

I also noticed that the name on the check was different then thier name. 

Originally contacted through XXXX under the name of XXXX XXXX the deal was I would help them program a XXXX XXXX for {$300.00}. ( They deleted the XXXX account they had already ). They sent me a check for {$500.00} instead. Under XXXX XXXXXXXX XXXX located in Texas. 

I have copied of the checks and the original email still. 

The phone number they used to communicate with me was : ( XXXX ) XXXX I still have all interactions saved from here. 

So I told them I'd refund them in a few days once the bank cleared the check just in case it bounces, to protect myself and they were saying that e-check are instant and work differently then checks. 

I XXXX this and found this statement to be untrue but I told them I would call my bank and explain the situation and would only refund them if the bank gives me the ok. 

So later in the day I called Chase bank while XXXX was at my day job, I explained to the operator very clearly that I never worked with e checks before, and feel that I received a fake check and was afraid this would bounce. & that if I refunded the customer I would be out of money. 

Prior to calling I XXXX that sending checks out and asking for refunds was a common scam, and saw the following red flags, which I clearly conveyed to the chase employee : 1 ) The name they contacted me with was different then the check and also different then the XXXX account they wanted me to refund. 

2 ) They were trying to get me to refund asap 3 ) the fact that they sent the wrong check to me in the first place was also a huge red flag. 

I voiced all these concerns and stated multiple times that i believed I was getting scammed and needed help. 

After some time on hold she said that the she checked and the check was OK and promised me it wouldnt bounce and she would transfer me just in case to report fraud. 

So after the phone call I refunded the customer for XXXX using XXXX : XXXX payment to XXXX transaction number XXXX has been approved for {$500.00} I don't know what else I could have done at this point? I called my bank and clearly explained the situation and all the red flags I had. They said the check was cleared and wouldn't bounce. 

I hear this from my bank and I think I have to refund the money at this point. It's not my money, the bank said it's OK, who am I to argue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: VA

Complaint narrative:
I paid XXXX XXXX XXXX XXXX  when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid XXXX XXXX XXXX XXXX when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for equifax and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I paid XXXX XXXX XXXX XXXX when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX financial then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an 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 2023-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Logged into my account because I received my billing notice via email and the Payment Amount Due changed from {$310.00} to {$400.00}. 

I called Navient for them to give the reason for change in payment amount. First the lady said I was on a graduated payment plan which was not accurate, as I had changed payment plans XX/XX/2023. The payment plan states fixed payments of {$320.00}, however I paid off one of the loans in XX/XX/2023 so the payments were {$310.00} The lady then put me on hold to check with their accounting. She came back and said the payment increased due to the increase in the interest rate from Congress in XX/XX/2023. I told her my agreement was XX/XX/2023 for fixed payments. No where in the document does it state that payments may fluctuate due to changes in interest rates. 

The only language in the document is a disclosure that states : Review of Payment Schedule Periodically, we review accounts and adjust Monthly Payment Amounts to ensure that loans will be paid off within their repayment terms. We will inform you of any such change before the new Monthly Payment Amount is due. 

Navient did not contact me regarding a change in my monthly payment amounts. I received a monthly statement with zero explanation as to why the payment amount changed.

The payment plan is fixed payments. Again, no where in the document does it state that payments may adjust with changes in interest rates - because this is a FIXED payment plan. During the payment pause the interest rates went down. Did my payment amount go down? NO. It stayed the same FIXED payment amount and I paid it every month on time. 

Navient continues to practice their deceptive methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: KEYCORP
State: MA

Complaint narrative:
Earlier this year I was at the end of my auto loan with Key Bank. Due to a TYPO on my part instead of sending a payment for {$240.00}, I sent a payment for {$3200.00} key Bank considered the loan paid in full. The check for {$3200.00} was returned f or NSF. I took the hit on charges for the returned check. The amount was an over payment up to the point of the check being returned. key Bank sent me a check in the amount of the overpayment, but there was NO LETTER explaining the check. I called Key Bank and was told that they DID NOT send me a check and the check I received was fraudulent and should not be cashed. I called the check verification line and was told that the check was good and that I could deposit it into my account. Before I deposited the check, I had the bank call Key Bank Key, they were given the same information. Key Bank without notifying me re-opened the loan and 2 months later sent me a Notice of repayment and a statement for late fees. I recently received a statement with a XX/XX/XXXX, Due Date but received it 12 days after the due date. I tried to contact the bank through their CHAT, but no one was available to talk to me with any authority to look into the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Late loan payment contact efforts at harassment level. Every day, including XXXX, calls from various agents demanding payment. Up to 6 calls per day and messages left on most of those calls. i.e. XX/XX/22, 6 calls starting at XXXX until last call at XXXX. So, in 3 hours, 6 calls! In one week, 15 calls. Already previously spoken with agents requesting less calls and informing them when the payment would be sent. Absolutely unnecessary and harassing to call that many times per day and far exceeding the legally allowable number of contacts per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I resolved a debt with Transworld Systems on the terms that it would be removed off my credit report. I paid the amount in full and they sent me a letter that the debt was resolved. 
When disputed with the letter given, they will not remove it from the credit report. The letter states as of XX/XX/2023 the debt has been resolved. I have contacted Transworld Systems multiple times to try to get this resolved and they will not work with me, so they leave me no choice but to submit this complaint to try to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
Recently on the XXXX of XXXX the account XXXX was removed from my credit file and then reopened without me even applying, that is illegal according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
Recently on the XXXX of XXXX the account XXXX was removed from my credit file and then reopened without me even applying, that is illegal according to the FRCA.

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 2023-07-25 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX : XX/XX/2022. This inquiry wasn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family 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