vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I initially filed the application on XX/XX/XXXX. I called several times over the course of several months to check the status of my IDR application ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) On these instances, I was told that my application was being processed and that I had submitted all the appropriate paperwork. They stated that my account was on administrative forbearance until it got processed. However, in XXXX, I received a past due notice. When I called ( XX/XX/XXXX ), they said that they did not have all the necessary paperwork. At this point, my account continues to show past due despite being told that it would automatically be in administrative forbearance until my IDR application was processed. Today, ( XXXX ), I submitted my income verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: IL

Complaint narrative:
First Point Collection Resources entered information onto my credit report without sending a notification by mail giving me the option to verify the information and to dispute within 30 days. 
They are also calling me from a number that goes straight to voicemail, stating the hours in the recording, but when I call the number during business hours, the recording states that they are closed. 
The bogus number I have been receiving calls from is XXXX FIRSTPOINT COLL RESOURCES XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
On XX/XX/XXXX I took out a ten month CD at a rate of 4.77 % that matured on XX/XX/XXXX. 

Today on XX/XX/XXXX, 13 days later ( 9 business days later ) they informed me that I was beyond the 10 day grace period and I had been rolled over into a new CD. 

THE NEW CD IS THE PROBLEM. The new CD is for 364 days at a rate of 0.15 % per year with a 1 % penalty on monies withdrawn before a year is up. This CD is an unethical financial product. It is not something anyone would willingly purchase, it exists only to provide Bank of Albuquerque with a vehicle to XXXX inattentive customers. 

I am sure Bank of Albuquerque is within the letter of the law, but they need to take an ethics class. They have surely lost me as a customer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX i recieved an email from chase to call them regarding both my savings and my checking account. They said they will close it if i do not call. I called them shockingly as the customer service rep told me they have already closed out my account without reason. I went to the branch and asked to withdrawal the remanider of my money XXXX from my savings on XXXX. They told me i couldnt do so. I called the number provided 3 times and they said it was at the banks descretion to withdrawal the remainder of my money. I went to XXXX branches located i XXXX XXXX on Tuesday XXXX XXXX. The branches and I both contacted the number provided on my end they said they need a managers approval to override and withdrawal my money from savings. This money was for my daughter who is XXXX XXXX XXXX XXXX. after tiring commutes to all XXXX banks on XXXX i gave up. i couldn't retrieve my money in savings. My checking is now overdraw and i can not transfer to clear up the negative account. They have completely restricted my account i can not withdrawal i can not deposit or transfer. They are now telling me i have to wait XXXX business days for the account to close and then they will send me a check. I asked WHY what did i do so wrong, i have XXXX YEARS with XXXX same checking account since i am XXXX XXXX XXXX!! 
They state i will receive something in the mail. 
I received the document and it does not state ANY REASON. 
THIS SHOULD BE ILLEGAL! there is no fraud. The only thing i did was TRANSFER XXXX from my savings into my checking ( NORMAL THINGS!! ) On XX/XX/XXXX i called again the number provided XXXX to ask if there was a way to expidite my account closure. and they stated no, and i can go to a branch and they can give me the remainder. I called my home branch ( XXXX Ny ) i am on the phone with a manager i asked if she can please look into this before i leave work to come, and the account stated it is in closure and i can not retrieve my money. 

How is this possible? without notice or judgement. This is my money, i am a single mother of XXXX XXXX XXXX and XXXX. I have NO cash on me, i dont know what to do!! 

Please help, this money is for my daughters XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I contacted Transunion on XX/XX/year> and requested a investigation on Inquiries. I spoke with XXXX Special Handling Department at XXXX XXXX. He provided me with file # XXXX and requested I sent in copy of social security card. which I sent a copy of with proof of Identity and residency. I contacted Transunion again XX/XX/year> and spoke with XXXX who updated my personal Info due to XXXX reporting inaccurate personal information. we got it updated I was then transferred to XXXX XXXXSupervisor who denied filing my request told me I would need to speak with creditors instead of Transunion. call disconnected I then got to someone else who request I provide 3 things CFPB complaint number, police report or copies of verification. call disconnected called back and got to XXXX I verified with him if he was the person i spoke with on XX/XX/year> he said yes he to stated I could not file a request he would send off something to creditors

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 2024-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This company ( loan Depot ) gave me low ball interest rate quotes to lure me into application. They ask for credit card ( mine ) very quickly so they could get appraisal done. In my ignorance I gave them my credit card info and they charged it the card right away. They stalled the process and when I decided to go with another lender the basically held me XXXX by not transferring the completed appraisal to my new loan company. They continue stall as I write this complaint Its like there ego was hurt and now they are holding me up from processing my new application. Excuse after excuse they offer for not releasing my case number to the new lender. There was a recheck needed on the appraisal. New lender wants to pay for recheck but loan Depot is slow walking this also. They are punishing me and keeping me from finishing the loan process with the other lender. Loan depot know I need that appraisal released to complete the process. In my opninion Loan Depot is not an ethical or honest company and should be held accountable for there brutal and childish behavior. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I'm tired of going back and forth with this company. I keep requesting the payoff amount in writing, not email. The customer service is horrible. I'm tired of getting different payoff amounts. First, it was {$1600.00}. Then it went to {$240000.00}. I called the customer service line to request a letter to be sent to me about the debt, not an email. I asked the customer service representative for the payoff amount because it keep changing. She said it was for {$2400.00}. I said I thought it was {$1600.00}. She said no it's {$2400.00}. I'm tired of not receiving the debt in writing and the different payoff amounts. Now I receive yet another email saying they want the balance in full which is {$8100.00}. Then another email the next day for the payoff amount of {$1600.00}. I called in again to see if I could make payments toward the balance and they refused to work with me. I don't go by email, it could be anyone. I want the debt in writing with the company 's letterhead to be mailed to me. They need to make up their mind about how much they want me to pay. I can not pay the amount in full at one time, I can make payments toward the balance, but which one?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TradeStation Group, Inc.
State: MI

Complaint narrative:
Hello, You had advertised on your site a {$150.00} bonus ( {$75.00} paid each over 2 months ). You had advertised promo code : " XXXX '' on your site for this bonus. 

Under good faith I followed the requirements advertised by Tradestation - the terms required I deposit {$500.00} for " x '' days - I met all the requirements but never got paid a bonus. This has been incredibly frustrating. 

I took screenshots of the bonus and the fine print on your site when you advertised this back in XX/XX/2024 when I opened the account. 

I am requesting you please apply the {$150.00} bonus as per the terms you had advertised on your site as I have met the requirements. 

Thank you for your time. 

See attached screenshots.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I contact each credit agency concerning these hard inquires that were placed on my credit report. I haven't received any response. not only were they unauthorized but also unverifiable

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 2024-05-08 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: CL Holdings LLC
State: FL

Complaint narrative:
This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX  - XXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MN

Complaint narrative:
( 1 ) Fair and accurate credit reporting is essential to the financial system, according to the FCRA. Inaccurate credit reports cut banking efficiency, and unjust credit reporting undermines public confidence, which is vital to banking. 

Thus, FCRA violations reduce banking efficiency. I control what goes on my consumer report, so this violates my privacy. Identity theft occurs when accounts are reported without my written approval. 

This violates 15 USC 1681b ( 2 ) and 1681c-2. This makes the credit reporting agency liable for negligence and willful noncompliance under 15 U.S. Code 1681n, which permits {$1000.00} per violation for accounts listed without my written agreement.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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.

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 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 2024-05-08 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: EQUIFAX, INC.
State: NM

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.

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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I am writing to express my deep disappointment and frustration regarding my visit to XXXX XXXX XXXX XXXX facility located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, on XX/XX/2022. 
During my visit, I specifically inquired if they accepted XXXX XXXX, to which their staff confirmed and proceeded to scan my insurance card. However, much to my surprise, I received a hefty bill of {$2700.00} after being treated. This situation has caused significant financial strain and stress. 

Upon realizing the discrepancy, I promptly contacted their office seeking resolution. I was informed that a supervisor would reach out to me, but two months passed without any communication. Subsequently, I reached out again, expressing my concern and requesting that my insurance be billed. The manager assured me that she would call me back, but unfortunately, I never received any follow-up. 

As I explained during my subsequent contact, I am in a financially vulnerable position and rely on government assistance through XXXX. If thrir front desk staff had informed me about the unavailability of XXXX acceptance, I would have sought treatment at the alternative urgent care facility located less than a mile away, which does accept XXXX. Regrettably, XXXX XXXX XXXX XXXX facility refused to bill my insurance and instead sent the bill to collections. 

This situation has had a significant impact on my credit and future plans. As a full-time student, I am concerned about the long-term consequences this may have on my ability to build a stable life after graduation. Given my current financial circumstances, I am unable to pay the outstanding amount, and it is disheartening that your facility is unwilling to work towards a resolution. 

I kindly request that you review my case and take immediate action to address this matter. It is essential for both parties to find a fair and equitable solution that will not adversely affect my credit or hinder my future prospects. I believe that a resolution can be reached through open communication and a willingness to rectify the situation. 
I appreciate your attention to this matter and hope for a prompt response. Please understand that resolving this issue amicably will not only benefit me but also uphold the reputation of XXXX XXXX XXXX XXXX. 
Thank you for your understanding and cooperation. 

Sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank has raised their APR to 34.99 %. On top of that they will charge an 2 % on promotional transactions. So if they advertise 0 % interest for 48 months it really isn't. Also charging {$1.00} monthly if you want a paper statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reporting of inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief