vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: MOHELA
State: MO

Complaint narrative:
I am on the Income Driven Repayment program for all my student loans. I have one currently with MOHELA and my other six were transferred to MOHELA from XXXX. With the transfer, I have two account numbers. My original loan with MOHELA, is all messed up. They have indicated I didnt resubmit my income verification for the Income Driven Repayment plan. According to Studentaid.gov, my certification date isnt until XX/XX/XXXX. 

Then they rejected my application and stated I didnt qualify. My student loan load is XXXX XXXX of my annual income. My payment was recalculated and increased. The reason was because I didnt recertify my plan. I have sent two emails and have sat on hold on numerous calls. Tonight has been over 3 hours. 

I have been paying on this loan since XX/XX/XXXX. It is a consolidation loan of student loans. MOHELA has it labeled as a commercial loan. I have paid interest and interest has continued to accrue during the forbearance for the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 a account without my written instructions

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 2022-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Previously, I received emails from Credit Karma for pre-approved credit cards and when filling out the information and submitting it I was denied due to previous bankruptcy and a hard credit hit was on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TN

Complaint narrative:
Vehicle was paid in full, but still shows on my credit file. Please remove from credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Total Card, Inc.
State: TX

Complaint narrative:
This is a continuation of the problem from Complaint XXXX. After the company finally determined I was not responsible for the fraud charges, they " supposedly '' adjustment my account, however, as you can see by the documents I have attached in both of my faxes they ADDED the fraud charges back onto my account!! 
Additionally, all of those interest charges they have on my account were calculated based on the balance with the fraud charges. Why would I pay interest on fraud charges. The same for late fees, I made monthly payments however I was told when I initially called in that the late fees would be waived. 

They have now started to call me and email me daily for collections on my late account payment. I am not going to continue to give them money until they clear up the fraud charges. The first step would be to remove them, permanently. Secondly, they need to recalculate my interest, starting with the interest of XXXX on XX/XX/22 ( prior to the fraud, the interest on my balance was XXXX  ). That alone tells you that they are charging me interest on fraud charges. If I pay the amount they say I owe them, I will end up with a credit and at this point, I do not trust them to honor that credit as they have proved to be quite dishonorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
The XXXX XXXX : Crypto.com does NOT provide its users with a Profit/Loss statements that we need to file our taxes. They tell their users to download a generic file that Does NOT include the user name or information, it does not include their commission fees ( This is used for cost basis ) and most importantly it does Not provide the " total '' for Deposits and withdrawals to simplify Profit and Losses. 

I reached out through their mobile app via message with their support agent which was of absolutely NO Help. I was told this information was not available. I have screenshots of this conversation. 

This is a Multi Million dollar if not Billion dollar company that can't even provide tax report pdf 's for their customers. 

The generic spreadsheet that they tell their users to download should at least include The users name, Platform name and stop hiding they commission fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I spoke with Nelnet about requesting a refund. I have not received any information from them in 5 weeks regarding what the status is or when I should be getting a refund for payments I made that I requested to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a certified letter to XXXX court XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX asking them to send me information on this bankruptcy. That was filed on XX/XX/XXXX and if they reported this information to the credit bureaus. I never received a response even though i sent a self addressed certified envelope along with the request letter. So on XX/XX/XXXX I sent 609 letters to each credit bureau by certified letter. Asking them to look into this bankruptcy, I received a response from Experian. By email stating they verified the account but didn't provide me any proof of how they verified this information.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 I was selling a music festival ticket on XXXX XXXX XXXX. We were messaging for a bit and he offered to XXXX me for the ticket. Then, he told me he sent it but the money couldnt go through due to my amount capacity and that I should have received an email from XXXX as well. My guard was totally down because at first I completely believed that these emails were actually coming from XXXX. Then, I follow the instruction in emails and had to send {$240.00} to extend to the amount capacity of {$500.00}, because he sent {$260.00} ( the music festival ticket price ). I reached out to my bank, Chase in XXXX, Arizona and they went ahead and filed a dispute. They told me if I hadnt heard anything in 10 days and the money hasnt gone back in my account, I should call back. Being a college student, I had a busy week and was unable to call the bank during their hours on the 10th day. I finally had the chance to call them today, XX/XX/XXXX. They let me know that the investigation had already been closed so there is nothing they can do. First, why would they close the investigation before notifying me. Secondly, they let me know since I approved the XXXX transfer there was nothing they could do and had no protection for scams. I have also heard of cases where people have accidentally XXXX the wrong person and the recipient refused to return it, but were still able to get there money back. Please, I am a college student and this is some money I could actually use. I would just like the money back, nothing more, nothing less. I will become more aware and skeptical to lessen the likely of this ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Nelnet, Inc.
State: NJ

Complaint narrative:
The federal government recently announced a student loan relief plan with a term that stated any payment made during the pandemic could be refunded, My servicer ( Great Lakes ) rejected a refund request for loan payments made during the pandemic pause. They cited a 3rd party consolidation as the reason for the rejection. I am a Pell Grant recipient and the department 's recent guidance on refunds does not state a specific payment party as a requirement for refund eligibility nor does it exempt payments due to a refinance. According to XXXX " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' Part of my payments during the pandemic were made by a 3rd party refinance not a consolidation. According to the policy stated, I should be granted a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has my credit history listed as N/A. When I log into my account I can not view any credit history for myself. It is hard to dispute inaccurate information if I can not view what is listed on Equifaxs website. My personal information was apart of the Equifax breach. I want Equifax to fix this issue so that lenders can get accurate information when considering me for credit. I am trying to buy a house and lenders are reporting to me that I have no credit history. I have been calling for several months asking Equifax to fix this issue and to date nothing has been done. I have already submitted personal documentation to verify my identity as suggested and the problem still exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For over a year now, there has been an ongoing issue with Capital One and their predatory consumer practices. Two of my credit cards, which were paid on time monthly ( and over the minimum ) were illegally closed without warning or notice. I've contacted them directly, I've filed XXXX complaints, and I've reached out directly to their corporate offices. All of which have not successfully deleted the illegal information they reported to credit bureaus. I want this matter solved once and for all, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Nelnet, Inc.
State: MN

Complaint narrative:
I have a loan through Nelnet that has not qualified for any of the covid programs. 

On XX/XX/XXXX, I received a phone call from Nelnet explaining that the company they purchased my student loan from ( years ago ) had miscalculated my monthly payments. My loans are due in 6 months and they are now dividing my remaining payments up for the remaining amount, which ballooned my payments from {$110.00} to {$1100.00}. My only options are refinance or pay it off. I was told I could also call for forbearance with no issue other than an annual phone call required. 

I called Nelnet back on XX/XX/XXXX after digesting this information, and asked them to send this all to me in a letter. I was informed that the previous caller was wrong and this agent would submit a form and I would continue with the lower payments, and letters with this information would be sent. 

I never received a letter. I checked my Nelnet account on XX/XX/XXXX, and was shocked to see that they had increased my auto pay amounts without my permission, to {$1100.00}. I called again, and this agent told me I do not qualify for forbearance, and my only options were to pay or refinance. She had no information on refinancing available and sent me to a government website. She said she would request a letter be sent to me by email, and it would arrive by XX/XX/XXXX. 

I called again on XX/XX/XXXX as I did not receive anything by email or mail. This agent informed me that a letter was sent on XX/XX/XXXX but takes time for processing and it " should '' arrive by XX/XX/XXXX. She said I don't need to make the large payments on XX/XX/XXXX when it's due, and it would probably be fine since I haven't received anything in writing and they shouldn't report to the credit bureaus. 

My first auto-pay that Nelnet increased XXXX my approval was taken from my checking account on XX/XX/XXXX. 

I received the emailed letter I had requested on XX/XX/XXXX. This letter took no responsibility for their part in my payments increasing XXXX. I have not yet received the postal mailed letter promised by XX/XX/XXXX. 

I am extremely fortunate that this is not going to cost me my house, food, credit, or absolute necessities. It just feels so wrong that a mistake by a huge student loan corporation can lead to such repercussions for me but not them. I have always paid on time at the amount that Nelnet calculated as due, yet I'm stuck with dealing with their mistake. I am concerned that I am not the only one this is happening to, and know others would be in a much worse situation with this kind of demand for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Two or three weeks ago I reached out to my student loan provider to get my Master Promissory Note ( MPN ). I asked for this because I belong to a small group of FFEL loan holders who, for years, have been unable to separate loans from spouses/ex-spouses, consolidate their student loans into direct loans and apply for the Public Student Loan Forgiveness ( PSLF ). 

However, the good news is that Congress recently passed legislation XXXX XXXX XXXX XXXX ) that will enable me to separate my loan from my ex-husband 's loan amount and finally consolidate my student loan into a direct loan to apply for PSLF. 

First, however, I need my MPN to determine which portion is mine. 

I hope that you can help me obtain my MPN from my student loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: MI

Complaint narrative:
on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX milestone account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2022-10-04 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: CORELOGIC INC
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2022-10-04 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.

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 2022-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Hello, I am struggling to return/buy out my lease with the amount listed on my contract. Ford will not allow me to trade in the car, my only option is to get another Ford or buy it out, however to purchase the lease it would cost {$3000.00} plus in taxes and fees extra which completely wipes out my equity. When trading in a car you don't have to pay tax. You can not physically trade in your lease for the buyout amount stated on the contract or any other vehicle dealership. You must purchase it from the original dealer and pay taxes and dealer fees, and registration giving a car with equity back to them. They are doing this because the chip shortage brought up the price of used cars. They want you to turn your car in so they can own it at the residual price. These are currently my only options. All of these situations work out in Ford 's favor so I am surprised they have gotten away with such anti consumer practices for so long since most manufacturers allow you to trade in leases anywhere. I spoke to numerous Ford XXXX representatives and they stated that if we traded the car in prior to 120 days we could trade it in or buy it for the amount on our contract. However we are past the 120 days and now we have zero options. No where in our contract does it state anything referring to a 120 day stipulation. This is all a result of Ford changing there process to make profits out of the chip shortage. Leaving the consumer with no other options. I feel trapped as a consumer. We now have to pay additional fees just to buy a car we do not want. This in the end is going to cost us more money. During a recession this is completely a deceitful practice. It is predatory lending to the consumers. The Ford customer service rep acknowledged this predatory behavior but informed us that there was nothing they could do about it.

Company response to consumer: Closed with explanation