vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
On XX/XX/2022, I received a credit alert from XXXX XXXX XXXX that Aidvantage reported a new student loan onto my credit file. That same day I also received a credit alert from XXXX that Aidvantage also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with XXXX substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had Aidvantage incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up Aidvantage 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
XX/XX/2022 I received Collections letter from one advantage I called The XXXX XXXX to educate the agency that the I was in an active bankruptcy and shouldnt get calls nor letter and to cease and desist I was hung on on the first call the second time I was Transferred after giving the reference number to the agent she said I had the wrong department called again hung up on called a third time asked for a supervisor I was told the supervisor wasnt available hung up on again

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My loans are now being serviced by AidVantage. I received a letter stating that my IDR payment was rescheduled and my first payment is due in XXXX. This letter shows interest was capitalized. I also received a letter stating that my consolidation loans are on a deferment. 

During the COVID forbearance, federal servicers are not to capitalize interest. Why did Aidvantage 1 ) redisclose my IDR? I did not recertify my payment or ask for my payment to be recalculated. Why was my interest capped? Why am I on a school deferment instead of the COVID forb. With the COVID forb, months during this time go toward IDR and PSLF payments. By placing me on a school deferment, AidVantage is cheating me of IDR and PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent some documents. No reponse

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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: SC

Complaint narrative:
I had a service contract with Fluent for 36 months starting from XXXX, XXXX XXXX thru XXXX, XXXX XXXX. For nearly four months or since XX/XX/XXXX prior to my end of termination date, I attempted several times to cancel my contract believing that I didn't have such a long term. With several phone and email exchanges between myself and Fluent - in XXXX of XXXX I was mailed a copy of my original contract. I did correct my understanding and agreed to fulfil the balance of my initial contract in lieu of paying cancellation fees or early termination fees as I was explained that I could cancel, but would still have to pay. I made it very clear that my intention was to not continue my contract and that was confirmed via several conversations and account notes as mentioned by the various representatives that I spoke with. Having my intentions clear - following my initial term, I continued to be billed on my credit card for the services I had cancelled. I reached out to the bank for them to put a hold or cancel my accounts affixed to Fluent and filed a claim with their fraud department. After a couple months of this activity - Fluent attempted to start collecting a debt on the account and implied that because I didn't issue a letter or fax to their business address that my account auto-renewed for another 36 months. I emphatically stated that my account had been terminated and that their product had been removed from my residence due and that they were no longer authorized to monitor anything about my property. This correspondence took place for several months whereby an automated or scripted response was issued about me owing for an additional contract because I didn't cancel 30 days before my initial term. Apparently and after the fact, this company implies that it will accept Fax ( electronic ) and certified mail as their only means for termination of a contract for which all correspondence for three years on this account were all by digital means ( phone or emails ). This company being fully aware of my intent to cancel well before the 30 day cancellation term didn't one time imply that they didn't understand my intent. In fact, their emails state that they do understand and had received my messages. 

After my initial term had expired- all future correspondence was every attempt to collect another 36 months worth of their services of which I do not want, and had made my position very clear. 

Outside of my position- there are several who are experiencing the same treatment from this company. Tactics of ignoring requirements until some position of leverage within their documentation support their position to force customers to continue or not be let out of their contracts. Examples of this can be provided upon request.

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 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Final attempt to pay off debt via phone call was on XX/XX/22. I requested a pay off amount to pay for my debt. I was given this loan on terms that my income/financial status could not meet. However, I was given the loan and unfairly able to make the payments, I fell behind. i reached out to them to settle the balance owed to pay them off something. They expect me to pay a balance I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I have a primary home mortgage with Rocket Mortgage. I signed up recently for their bi-weekly payment option ... .why? Because as a " Consumer '' I want to try and improve my financial position by paying my families mortgage off sooner! I assumed that Rocket mortgage bi-weekly payment program worked like every other bi-weekly payment program at EVERY other mortgage company in the world... meaning they apply my payment when they receive it which brings my AVERAGE DAILY BALANCE down and saves me the CONSUMER interest ... I also get the benefit of making one extra payment per year ... .BUT GUESS WHAT? The dishonest pieces of XXXX at ROCKET MORTGAGE dont apply the payment ... rather they hold onto it until my next monthly payment is due and then apply it ... SO RIDDLE ME THIS, HOW IS THAT IN ANY WAY BENEFICIAL TO CONSUMERS???? HOW? Could the PIECES OF XXXX at ROCKET MORTGAGE sit in front of a congressional hearing on how US CONSUMER get screwed and explain how this program in ANYWAY is beneficial to consumers??? ALl it really does is give the dishonest PIECES of XXXX at ROCKET the use of my money for an entire month. They get to make interest on that money and I DONT GET ONE SINGLE BENEFIT. Now, I am sure that these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE have a SUPER PAC and XXXX  in DC that pay our politicians to allow to XXXX consumers! BUT PLEASE, CFPB... PLEASE PROTECT Consumers against these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE ... their executives do this so they can protect their balance sheet by making more interest and they in turn get fatter executive bonus... But ALAS, there is not one thing a consumer can do ... NOT ONE SINGLE THING... They will stand behind their position that " It is in the fine print of the contract '' ... They can take their fine print and shove up their dishonest collective XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX a debt collection notice was received from Midland Credit Management , Inc . Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company Midland Credit Management Inc. persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-15 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: PA

Complaint narrative:
according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted TransUnion XXXX or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2022-03-15 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: PA

Complaint narrative:
according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX XXXX or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX  XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2022-03-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Requested credit increase. 
Credit bureau reported score of XXXX. 
Wells Fargo denighed request for increase, blaming credit bureau. 

Can only conclude increase was denighed, due to my being a female.

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