vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: WV

Complaint narrative:
The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( s ) that I made during COVID and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022 by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the COVID Relief and what not, borrowers are allowed to request their loan payments made during COVID even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my COVID payment ( s ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage  on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SLM CORPORATION
State: OH

Complaint narrative:
I am writing to inform you that the attached communication is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following violations have occurred : 15 USC 1692e ( 10 ) - The communication falsely implies that the borrower 's credit rating may be adversely affected. The statement " Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years '' is misleading, as the length of time that negative information stays on a credit report is determined by the credit reporting agencies and is not within Sallie Mae 's control.

15 USC 1692c ( a ) - The statement " This is an attempt to collect a debt and information obtained will be used for that purpose '' suggests that Sallie Mae is a debt collector, but Sallie Mae is a private bank. This is a violation of the FDCPA, which requires debt collectors to clearly disclose their identity in all communications.

15 USC 1692d ( 6 ) - The phone number provided in the communication directs the borrower to the Collections Department, rather than customer care. This is misleading and makes it difficult for the borrower to seek assistance with managing their account.

15 USC 1681s-2 ( b ) - Billing statements have been inaccurate and payments are lost in the mail, and Sallie Mae is reporting them as late to credit reporting agencies. This is a violation of the FCRA, which prohibits furnishers of information from reporting false or incomplete information to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Please note I am still in the pre-approval process for a mortgage and have not even started to view homes. 

I was contacted by an individual regarding my mortgage application and believed it to be a person from the company I was already working with. It was not and they charged me a {$500.00} application fee. Once I realized it was another company trying to scam me, I asked to have the application cancelled and the fee refunded. During a call with customer care, I was told that it was not an application fee ( since to my understanding is not a legal fee ). However, I have the following email which describes it as an application fee : XXXX XXXX, This is a receipt for a charge in the amount of {$500.00} to your credit card ending in XXXX. 
This charge was for your XXXX XXXX. 
If you have any questions or concerns regarding this charge, please contact XXXX XXXX. To ensure accuracy, please use your XXXX XXXX. XXXX as a reference. 


Warmest Regards, XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX Desk XXXX Fax XXXX XXXX

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 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Account is reporting 120 days late and loan modified. That is incorrect. THis loan was paid in full never late, and transferred to lender current.

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The dealer sold and securitized the contract/agreement i signed after which they superimposed my signature on to at least 3 different additional contracts that i did not sign and sent it to the Banks. I called the bank and asked for a copy of my loan documents and to my surprise the contracts were different from the Federal Truth in Lending disclosure, The finance charge was changed added fees and surcharges, the credit life insurance not included any many more violations. It is also my understanding that the bank is also complicit with regards to the securities fraud and contract manipulation and securitization. I sent notices of my findings to all parties involved then initiated arbitration but the XXXX would proceed with the arbitration due to the dealer not following the rules of arbitration disclosures to consumers. The letter from XXXX XXXX this " Accordingly, we must decline to administer this claim and any other claims between XXXX XXXX XXXX XXXX XXXX and its consumers at this time. '' I will attempt to settle this matter once more before filing for all appropriate federal suits and refer the matter to the Securities Exchange Commission.

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 2022-12-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX XXXX, XXXX XXXX : # XXXX XXXX, XXXX : XXXX XXXX, XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX has violated my rights.

15 U.S.C 1681 sction 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This complaint is about my savings account with the online bank XXXX ( associated with XXXX Bank ) and their action of entirely blocking my access to the account ( including the online access ) without explaining the situation and refusing to provide me an expected resolution time. 
Here are now the details associated with this case. 
I found the online bank XXXX listed by XXXX as FDIC insured and with a very attractive savings rate and thus decided to apply for an account. Proceeded with the online application process and submitted all my requested personal data and then after more than a week the account was opened and got online access to it. Subsequently I funded my new XXXX savings account from other personal bank accounts using initial withdraw initiated by XXXX as also XXXX transfers initiated by me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
End of XXXX I scheduled another XXXX transfer from my XXXX account at an amount well below my current balance. Start of XXXX I received an email from XXXX stating that my external transfer capability got suspended. Figuring out that actually my entire online access to the account was suspended I called the banks customer service. They told me that my account was undergoing verification but this can be accelerated if I provide a copy of my driver license and most recent statements for my external accounts used in the funding process. I provided immediately all requested documents, confirmed by the banks representative who also told me they will soon follow-up with a resolution. 
I continued to check for status updates almost on a daily base. My emails remain unanswered. When I call the customer service line they tell me to wait for completion of the verification, refusing to give me an expected time for resolution. When I ask to talk to a supervisor or XXXX XXXX turned down or simply hung up. Even for my request to get the latest bank statement or to have the account closed and funds returned I was turned down. 
Also want to mention that all online actions to XXXX are redirected to a XXXX XXXX  XXXX. The site also states that all deposit products are provided by XXXX Bank and accounts opened via XXXX are marketed by XXXX. I tried to call directly XXXX Bank customer service but they claim not to have access to XXXX accounts. 
Ive also attached emails received from the bank directing me to access the account online but then that access is blocked and all my requests for having it restored remain unanswered. 
Here I am after 3 weeks of being cut off from my own money and with no perspective for a resolution. After finding hints in the XXXX magazine about the CFPB office as a path for mitigation Im turning to you for support to get the access to my own money restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to collect money from me that I dont owe. I open up a business account I was told I had 7 days to return the phone if I decided to close the account the only thing I would be charged would be a restock of {$5000.00} for the phone. After thoroughly thinking I decided to return the phone and end the contract within the timeframe they gave me..I was charged the {$50.00} restock fee. I thought everything was over. I started getting letters that I owed over {$300.00}. I was shocked because I never made a phone call on the phone.I called and the representative told me where he saw that I returned the phone in the timeframe allowed and saw my {$5000.00} restock fee. I was even told they would have never accepted the {$50.00} restock fee if I didnt return the phone and cancel the contract within the timeframe. I was happy to her that. The representative said he will notate and I shouldnt get anymore letters concerning this. Well now I have a letter from a collection agency stating I owe XXXX XXXX XXXX {$300.00}.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made an overpayment to my Citi card ending with XXXX on XX/XX/XXXX, so I contacted Citi on XX/XX/XXXX to request a refund for this overpayment via ACH to my checking account on file with Citi. 

I was told it would take 3-5 business days to process it. 


I did not get it so I contacted Citi again on XX/XX/XXXX, and I was told the refund would be initiated on XX/XX/XXXX, and I need to wait another 3 business days. 

I have done this ACH refund before and I know it usually won't take that long. I checked with Citi on XX/XX/XXXX, and I was told to wait for 3 business days. So I checked my checking account on XX/XX/XXXX, I still did not get the refund. I contacted citi again, and I was assured that I would get it on XX/XX/XXXX XXXX. 

On XX/XX/XXXX, i do not get the refund. I contacted Citi and I spoke with a supervisor about this issue. I was told that the refund request is still under review before it could be processed. I asked how long it would take for the review to be completed, but I was never given any definite information. 

On XX/XX/XXXX, I was told that Citi declined my request to refund my overpayment. 

I do not understand why Citi would not refund my overpayment since this is my money.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX XXXX  I applied for a deed in lieu of foreclosure with Wells Fargo on my home loan. They approved it and gave us a date for move out. We cleaned property and moved out. They then foreclosed instead declaring the property abandoned. I consulted an attorney who wrote a letter but then he wouldn't take the case any further after their response. I read about you settling a case with them over these same issues. I feel I am owed something for them ruining my perfect credit and basically lying and being devious to get me out of my home which I had tons of equity in. The lawyer was XXXX XXXX. They claimed there was a lien on the property and that's why they couldn't do the deed in lieu. But when I bought the property it didn't show up on the title search. Basically Wells Fargo fraudulently took my property in foreclosure. I have copies of title insurance form and lawyers letters. Please help.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union is falsely reporting information on 2 student loan accounts that have been dismissed via a class action law suit against the XXXX XXXX XXXX XXXX XXXX which was recently won by Plaintiffs.

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 2022-12-20 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: UPGRADE, INC.
State: NV

Complaint narrative:
I made a return on this card on XX/XX/18 for the amount of {$110.00}. They only refunded me {$20.00} on this as soon as that posted. When I called them they gave me the runaround on this. They finally transferred me to a XXXX XXXX who gave me more of a runaround. When asked about this, he told me it was because it was a dispute. I told him that it was just a return. Then he said that he was on the wrong screen. When he supposedly got on the right screen he said it was because these are entered manually. I asked why {$20.00} and not the who amount. He said it should be there in XXXX hours. Still no refund. 

I have suspected this company of cheating me before. When I asked them they asked if I had proof. I said no. This time I have pictures on my phone of all the transactions every day. I used this card for everyday purchases as opposed to my bank card. I have asked this company for daily balance sheet. They say they can not provide that to me and that they cant see one either. They have said that is because their management does not make it available to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: MN

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 15USC 1681 Acct name : XXXX Account # : XXXX Acct name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX  Account # XXXX XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX : XXXX Account # : XXXX Account name : XXXX XXXX : XXXX Account # XXXX Account name : XXXX XXXX : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 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 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s2 ( 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 calls to believe that the information is in accurate.

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 2022-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to experian/transunion/and equifax however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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: Kriya Capital, LLC
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXX/and XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief