vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am trying to pay off my student loans with Aidvantage and the payment keeps getting rejected. I am using the correct account number and I have the money in my account so I dont know what else to do. On XX/XX/XXXX I submitted a payment of {$6400.00} and the payment was reversed. I called the second time asking why it was reversed and the lady I spoke to said it was a bank issue. I asked to make the payment over the phone, I gave my card information which was on XX/XX/XXXX, for {$6400.00} and that was reversed. The third time I submitted was XX/XX/XXXX, for $ {$6400.00} and that was reversed as well. On XX/XX/XXXX, I submitted another payment for {$6400.00} and I am waiting to see if that goes through. As you can see the payment keeps going up and I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I disputed these unauthorized inquiries with BARCLAYS BANK DELAWARE ( Bank ), they stated that they, 'did their research and concluded that these inquiries were not authorized by me nor did I benefit from it '. They agreed for these inquiries to be removed from my consumer report. It has been passed 60 days and these inquiries are still sitting on my report. I am requesting that this company show me proof of them sending it to the consumer reporting agencies requesting for it to be removed. If they can not provide me proof, I am requesting a {$3000.00} check to be sent to my residence within 5 days of receipt of this complaint : XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX for violation of 15 US 1681b ( a ) ( 2 ). The consumer reporting agencies stated that this company never reached out to informed them of the requested deletion. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX XX/XX/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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account number XXXX Credit limit {$500.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$8200.00} Open/closed Open Date opened XX/XX/XXXX Account type credit card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$21000.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit Card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$20000.00} Open/closed Open Date opened XXXX XXXX, XXXX Account type Charge Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Credit Card applied for during an Old Navy in store promotion, card received Navyist Rewards Mastercard through Barclays Bank. Purchased made in the amount of {$150.00}. Bill received for the purchases bill received for that and was paid electronically via our Bank on XX/XX/2023. Next we get another bill indicating payment not received and charging us a {$30.00} late fee and {$4.00} in interest. I contacted them and explained payment had been made they indicated they would check it. In subsequent conversations with the bank they said they received it and everything was fine. We get another bill showing everything due including payment we had proof had been sent to them. We faxed them proof of payment. 
In XXXX we get another bill looking for {$170.00} and showing past due amount. Then they start calling me. I explained again what happened, they asked that I fax again I went to my bank cot a copy of their records showing electronic transfer to them on XX/XX/2023 with payment XX/XX/XXXX. I faxed those documents to them. I got another collection call from them on XX/XX/2023 at XXXX, on a call that said the line was being recorded, telling me I was late with my payment. I spoke to XXXX XXXX XXXX, I asked her to see if they gotten my fax, she could not tell me. I explained to her the details of what occurred and asked her to check their records, she kept telling me that they never got my payment. I continued to ask to speak to a supervisor or manager and told her I hoped the call was being recorded and told her I would be filing a complaint and suggested she refer the call to a supervisor, after much discussion she said she would transfer me, she then proceeded to disconnect me. I never got a call back and I am tired of being harassed. I closed the account and shreded the card

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 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I was automatically switched from the REPAYE program to the SAVE program. 
The payment was calculated incorrectly according to the information prior to the covid pause, which is allowed by the federal government until my recertification date of XX/XX/2024. 
They did not take into account my family of 4, my payment is calculated based on me being single, nor did they take into account my spouse 's student loans. 
This has led to my payments being almost {$400.00} higher than they should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/2023, I ordered a cake in person from XXXX XXXX, in XXXX, XXXX, XXXX I sent an email at the time of purchase, as per the clerk 's request. I paid for the cake, and even gave a " tip. '' I felt confident as per the " Excellent '' reviews, and " reputation, '' of this Bakery. ( I am new to XXXX ) and did not have much experience to go on, only the reviews on XXXX, and XXXX. I was wrong. When I picked up the cake on XX/XX/2023, I noticed straight away, it was sitting on the shelf behind the counter. In a box WITH NO LID. I was handed the cake and had to struggle to open the door with no help from the clerk. TWO RED FLAGS ALREADY. I took the cake to my granddaughter for her XXXX Birthday as her present. This was what she wanted for her birthday. A " Popsicle Cake, with white batter, white icing, with popsicles on the cake. '' When the guests arrived, and after she opened her gifts, etc., it was time to sing XXXX XXXX and have cake and ice cream. When the cake was sliced, it was NOT white, It was YELLOW batter. Then when we tasted it, it was DRY and WAS NOT HOMEMADE as advertised. I reached out to the owner, XXXX XXXX. NO RESPONSE. I reached out to her several times. I then advised XXXX XXXX, due to her not responding to my emails, and phone calls, I would contact my bank and look into filing a dispute. She then responded ( how ironic ). Chase errored in that it only disputed for {$77.00}. I wanted a full refund of {$170.00}. In the end Chase sided with XXXX XXXX. I believe this is unlawful, and XXXX XXXX was deceptive and dishonest. My cake was ordered person, with a photograph. The cake was not hard to make. I could have baked it myself, and in the future will do so. This is a " professional '' bakery, and I am at a loss as to why this cake was not done properly. The money I paid for this cake was more than my monthly utilities. XXXX XXXX has no regard for her customers and has other restaurants and bakeries she owns. This money is nothing to her, and she could have refunded me, but chose not to do so, out of spite for the fact that I filed a dispute. Chase has become apathetic towards its customers ; due to a downfall it has suffered. That is not ethical to take out its financial woes on its customers. More Corporate greed. That will be the downfall of the XXXX XXXX. I will see to it that these two aforementioned Companies will repay me with the monies owed, along with punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I had received a letter from XXXX XXXX and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand XXXX XXXX is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.

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 2023-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had 8 accounts with Synchrony accounts- Amazon, Pandora, American Eagle, Crate & Barrell, JC Penney, TJ Maxx, Verizon and Care Credit. I have paid every account on time for years, used the accounts, and even paid over minimum constantly. Synchrony closed all accounts and when I asked why they said I was a high credit risk. They also said I could reapply, which I did for a few, only because I used them constantly. I was automatically approved, which is funny since I am a high credit risk. By them closing my accounts, they have tanked my credit score, and if makes it seem as if I dont pay bills or look bad to other creditors. Something needs to be done about credit bureaus, they affect lives.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX reporting inaccurate Balnace XXXXXXXX XXXX  placing recent high credit XXXXXXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. XXXX did not investigate nor contact XXXXXXXX XXXX for the correct balance for XX/XX/2023. Instead untilize the XXXX system resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting XXXX CONTACT XXXX XXXX  to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and XXXX refused to contact XXXX XXXX to report accurate balance 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 non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX reporting inaccurate Balnace XXXXXXXX XXXX placing recent high credit XXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. XXXX did not investigate nor contact XXXXXXXX XXXX  for the correct balance for XX/XX/2023. Instead untilize the XXXX system resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting XXXX CONTACT XXXXXXXX XXXX  to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and XXXX refused to contact XXXXXXXX XXXX to report accurate balance information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My account was hacked and hackers made a transfer of {$500.00}. I learned about this issue within 30 minutes. I immediately called American Express to inform about fraudulent charges. American express representative helped me create a new login/password. They also mailed me a new American express credit card. American express representative also created a fraud case ( XXXX ) and informed me that I will receive temporary credit. This fraud case has been open for 5 months. I called American express multiple times to check on status, however I was told that the fraud department has not even started to process my case. I am still getting charged for that fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24 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: NY

Complaint narrative:
I have tried to access my reports its telling me im XXXX I dont know XXXX  or most of inquiries on my credit report experian is treating me as if im committing fraud please let experian know im XXXX XXXX and give me access to my reports

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed these accounts and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of these account as they are not reporting consistently I last disputed this account written on XX/XX/23 and electronically via CFPB on XX/XX/23, it is not showing a last verified date or the account status as in dispute. Equifax has reported that this creditor confirmed this account was accurately reporting, but their reporting information shows definitely since there is not a last date verified. Please remove for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian reporting inaccurate Balnace XXXXXXXX XXXX  placing recent high credit XXXXXXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. Experian did not investigate nor contact XXXXXXXX XXXX for the correct balance for XX/XX/2023. Instead untilize the XXXXXXXX XXXX resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting Experian CONTACT XXXX XXXX to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and Experian refused to contact XXXXXXXX XXXX to report accurate balance 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 2023-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: KS

Complaint narrative:
XXXX XXXX XXXX  is sending electronic transfer of funds to US Bank and the bank is holding my funds for 48 hours, I know it doesnt take very long at all to send an XXXX This account that the money is coming from is my XXXX XXXX account that is absolutely solvent, the transfer is sent on a Tuesday morning at XXXX XXXX it should be in my bank account the same day

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Saturday XX/XX/XXXX we deposited a {$2000.00} Bank of America pay check to our Bank of America checking account that was opened in XXXX and has always been in good standing. The check was issued to us and deposited because there was an employer error and the normal ACH wasn't sent. At the time we deposited the check we were told it would be available on Monday XX/XX/XXXX and so we completed the deposit. When we looked later, Bank of America has now decided to hold the on-us check until Friday XX/XX/XXXX. They will not cancel the deposit so we can go back to the employer and request that an ACH be sent instead. We have approximately 2.5 times the amount of the check already on deposit with Bank of America. This check is drawn off the same financial institution that it was deposited to. Our accounts have always been in good standing. The only returned item we have ever had on the account was due to an error by Bank of America in applying our overdraft protection from oursavings account which no one there was ever able to provide an explanation for. We called a couple of times and were given broad and general lists of why checks may be placed on hold, but no one was able to tell us specifically why this check was held and they refused with generic scripts to cancel the extended hold or to cancel the deposit entirely. This is an on-us check and Bank of America can tell right now if this check is good but they're refusing to do anything about it or give us any information. It is my understanding that Reg CC specifically disallows multi day holds being placed on on-us checks and requires that specific reasons be given for extended holds and that the extended holds must be " reasonable ''. None of those are being followed in this situation.

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 2023-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, While I was in probate somehow fay servicing sold his home at a Sheriff sale, Even though XXXXXXXX XXXX mortgage was paid, This has been an ongoing situation for over 18 months, Hired an attorney no cooperation, Also dealing with investor XXXX XXXX, from banking and insurance, but again not getting Answers, house now Going up for sale,, Time is of the essence Time is of the essence, This needs to be Rectified, it is happening to hundreds of people, same story same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( zero ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either

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