vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I applied to consolidate my loans and enroll in the XXXX repayment plan back in early XXXX as a XXXX XXXX. Then I began to receive multiple notices from Aidvantage to upload proof of payment documents, which I tried to submit both on their website and Studentaid.gov. When I tried to upload the document on XXXX I could not find an upload portal. I then went to amend my application on XXXX and it created a completely new application as a Change Plan Request. I followed up on my XXXX XXXX in late XXXX with a representative from Aidvantage and was told nothing else was needed from me, it just XXXX take up to XXXX business days to process it. Earlier today ( XXXX business day ) after I received a payment reminder from Aidvantage for a payment due XX/XX/XXXX, I called them to follow up on my XXXX application status. I was then told that because the second application was incorrect because it was change plan instead of new applicant they could not process it and that I would have to reapply. This has taken up the last 4 months of my life since I have been left in the dark regarding my future student loan payment amount, and I believe Aidvantage had no intention of notifying me that my application could not be processed once the second one was created. I am now stuck waiting again for my third application to be processed for XXXX knows how long while interest continues to accrue on my loans and I am left in purgatory for a decision. This is beyond incompetence, it is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I have tried to dispute this collections for some time now. Awhile back an ex spouse vindictively opened all this credit in my name. Her name was XXXX XXXX. I have just now noticed all the negative impact from this account and disputed all fraud made multiple times on all XXXX websites. XXXX, XXXX XXXX XXXX. Spring Oaks will not help me resolve this issue in any way. They ignore all my requests. Keep spiking my balance & hitting my credit hard. I just believe this to be unfair. This credit was opened without my knowledge and no help whatsoever on the companys end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my non-profit 501 ( c ) business checking and savings accounts without notice to me, and then withheld sending approximately {$8000.00} in deposits in these accounts needed for auto-payment contracts. Officials blamed the federal govt. for the closure, stating " The Patriot Act '' required business accounts to have residential addresses. I had a business office service provider address instead, BUT four other accounts with the same bank bearing my residential address. Any XXXX and competent customer service agent should have simply contacted me for the residential address, or simply noted the same on the other active accounts. That was not done, and instead the company simply closed the accounts and falsely claimed they were sending me two checks to pay my converted deposits. They lied. I spent two hours waiting to see an officer in my branch bank to no avail. They were " too busy '' to see me, and needed me to go online to " make an appointment. '' Several calls to the company were also fruitless and distressing. I was informed that I needed to wait about two weeks before I could even plead to have the company send out " replacement checks. '' My damaged company is a non-profit registered business that publishes consumer health and safety information, that has administered these two accounts for many years without any problems. This apparently scheme to freeze, convert, and withhold our money caused days of wasted time and inconvenience rearranging auto-payments to creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I received a copy of my credit report and seen a collection for {$370.00} the original creditor was XXXX charter communication which is a company called spectrum. I've never had a account with them, never received a bill or a debt validation letter. I have no idea what this account is about or what address is being serviced. This is a fraudulent account that I wasn't aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, we ran XXXX ads using three company credit cards ( ending in XXXX, XXXX, XXXX ). Another XXXX ads account compromised all three cards ( one by one ) and used them to charge and run their own ads from XX/XX/XXXX to XX/XX/XXXX. 

The total fraud amount between the three cards is {$34000.00}. Fraud was challenging to detectit was not caught until XX/XX/XXXX when Chase flagged fraud via text message. Since we used all three credit cards to run our own XXXX billing, we did not see the excess charges until Chase flagged fraud- each charge looked like a standard charge from our XXXX XXXX. 

FIRST ALERT : On XX/XX/XXXX, I received a text message from Chase flagging fraudulent activity from XXXX on my credit card ( ending in XXXX ). I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. 

On XX/XX/XXXX, I got another notification from Chase about our second credit card ( ending in XXXX ), flagging fraudulent activity from XXXX. I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. 

On XX/XX/XXXX, our company deleted all credit cards from XXXX billing Manager and changed our ad spend to XXXX XXXX terms. I did not want to keep a credit card on XXXX during an open fraud case. 

XXXX instance of fraud : On XX/XX/XXXX, I signed into our Credit Card and found fraudulent activity from XXXX on the card ending in XXXX, which occurred from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. This third instance of fraud was not flagged by Chase. 

UNSUCCESSFUL RESOLUTION : I have since spent XXXX hours on the phone with Chase XXXX Chase first refunded the fraudulent charges. Then, they contacted XXXX, and XXXX denied the fraudulent charges. The charges were reinstated on our Chase credit card. I called Chase, requested an audit, and provided documentation of fraud. 

The first audit was unsuccessful ( XXXX again reported this was fraud on XX/XX/XXXX ). On XX/XX/XXXX, I requested a second audit and paperwork stating why XXXX denied the claims. 

On XX/XX/XXXX, I received a letter from Chase with a simple statement : XXXX denied the fraud claim due to its " Terms and Conditions. '' Our operations XXXX spent XXXX hours on this case. I have spent XXXX hours on the phone with Chase and countless hours with XXXX trying to resolve this. 

As a XXXX XXXX XXXX, I am bounced between XXXX large corporations- XXXX XXXX XXXX ) and Chase XXXX and unable to progress. 

How can XXXX legally deny this fraud case, alongside our evidence of XXXX terms?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went to XXXX XXXX they said my classes would transfer over to another college they lied. They also said at the end of the classes we would have job placement which did not happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have XXXX of the same accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
The company constantly texts about a person I do not know I reply stop and it sends a message I will no longer receive messages A few minutes later I'll be harassed with messages again. Even after XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Delete the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within 30 days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XX/XX/2022 and XXXX XX/XX/2022. Please remove these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX. Bankruptcy : XXXX XXXX ( HR12 ) - ( BS-7 ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681eb : they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Remove the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within XXXX  days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XX/XX/year>, XXXX  XX/XX/year>, and XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Remove the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within XXXX  days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XXXX  XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My previous mortgage company { XXXX XXXX } since XXXX was recently transfer /sold as of XX/XX/XXXX to a new service provider-Mr.Cooper. 
In these past 3 months, they have been a nuisance and harass me despite numerous phone calls which is very difficult to get a customer service person to assist. I NEVER EVER been late with my mortgage. However with Mr Cooper I received letters and phone calls about my payment due on XXXX of the month.On XX/XX/XXXX at XXXX XXXX I recv I call stated that they didn't received my payment. I called to request to stop making calls to me. I was assured that I was put on a do not call on my account. 
On XX/XX/XXXX - I get a phone and I did not answer it .They left a voice message to contact them stated that they didn't received my payment. 

They are annoying and agitated me with the way they are treating me like I am a deadbeat. I DID not run up credit cards and getting treating as such. At XXXX XXXX I was never read this statement that Mr Cooper uses as that they told to say " This is attempt to collect a debt and any information will be used against you " etc. WHY are they allowed to say this when I am not late with my payment. 

I am considering to seek a lawyer and perhaps start a law suit with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I sent 2 dispute letters to Experian due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within XXXX  days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over XXXX  days and have done nothing.

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