vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: IN

Complaint narrative:
I called AidVantage to see about why my load was still getting paid for. I had set up automatic payments and they never stoped during the pandemic. When I called them the lady on the phone said that she had not heard of XXXX XXXX which was the reference line of the payment. She advised me make a complaint and to call my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Credit Karma, LLC
State: IL

Complaint narrative:
Upon checking my report at CreditKarma.com I found that they were using my personal identifying information without my written consent. on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Over the past several months I have made complaints to Experian and XXXXXXXX XXXX XXXXXXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that Experian had purged my account from Experian 's data base which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and XXXX said they did not asked to haver their trade line purged from my account. 

I want a credit report from XXXXXXXX XXXX on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Several accounts were opened in my name with Affirm. I have been dealing with fraudulent accounts under my name as a result of identity theft for the past 4 years. The list of fraudulent accounts that were opened in my name are as follows. 
XX/XX/13 XXXX {$510.00} XXXX {$160.00} XXXX {$260.00} XXXX {$1400.00} These accounts have been reported to all 3 credit bureaus and when i originally reported this as fraud, my claim was denied. I am asking that these accounts be removed from my credit report immediately as I did not authorize these to be in my name and they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Yes I hired a contractor to to do work to my home the under the roof soft at work he wrote me a contract the total was for {$700.00} I gave him a {$350.00} deposit and he said he would be back the next day to start working and he never showed back up I reached out to my bank and they don't have any rights to cash up or their form of payment I reached out to XXXX XXXX  and explain to them that I was defrauded and scammed and they did nothing for me to help me recover my money so I'm hoping that there they said something in their contract or something I never seen anything saying that they're not responsible I don't know but I just want my money back I'm so upset

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to initiate a bank to bank transfer of {$200000.00} from my XXXX XXXX savings account to my M & T checking account in preparation for closing on a home. The transfer was supposed to have completed on XX/XX/XXXX, however, on XX/XX/XXXX, the money was instead returned to my XXXX online savings account. I subsequently learned that M & T has a daily incoming transfer limit of {$2000.00} and a 30 day transfer limit of {$5000.00} in a call to them on XX/XX/XXXX. I contacted M & T again on XX/XX/XXXX in an attempt to request a raise of this limit to allow me to transfer {$63000.00} from my XXXX XXXX savings account to my M & T checking but was rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My Loan was originally with XXXX and was bought by Selene Finance, since then we have had issues with filing paper work, Selene finance claiming we did not have homeowner insurance, ( which we did and have always had ), charging fees for things that were unheard of and when asked to explain what it is they didnt. The end result always being the same, saying they willl put in a request in which we never see any results in and end up with forclosure or there reps hanging up the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wrong Identity* Last year, the summer of 2021, my adult son whos names is identical to mine, was in a motorcycle accident. He was treated at XXXX XXXX in XXXX, Tennessee. His bills became delinquent, and all his delinquent accounts were sent to a collections agency. The collection agency, Wakefield and Associates, reported all of his delinquent bills onto my credit report. I am in the process of buying a home and this is going to cause underwriting to kick out my loan. I need this fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/XXXX I received notification stating " Retail Card Over Limit ''. SYNCHRONY Bank had taken my credit limit to an amount ( {$900.00} ) lower than my current balance ( {$900.00} ). The company decided to decrease my line with no previous notification on doing so. This is wrong and unfair to customers given that all my payments have been done on time and my income has increased since I applied for this service. Also it is important to mention that they use tactics to lie to customers regarding their services. I was told that this was a loan rather than a credit card. This is not the first time they do a line decrease on my account, which is absurd given that my other credit companies increased my limit. Also I don't know how or if these companies are allowed to inquire about my 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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i have 49 inquiries on Transunion freudulant i have submited everything they ask for over and over .i was notv applying for any thing i been in open bankruptcy for last 9 months. they will not acknoledge my request for removing i talk to them over and over. XXXX ssi number XXXX XXXX XX/XX/1972 1972

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: DC

Complaint narrative:
In accordance with the fair credit reporting act XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX financial XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX XXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: PA

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 confidentially under 15 USC 1681.

Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXXXXXX, Acc Name : XXXX XXXX XXXXXXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I contact Equifax to dispute information regarding a charge off account from XXXX. Of course the account came back verified but, they didn't return with anything that I requested for a complete comprehensive investigation. Equifax is required to conduct a reasonable investigation. Why is XXXX appearing on my credit report twice with the exact same account number except what the creditor did was change the information dates. If my account was Charged off on XX/XX/XXXX then how can I be showing late 20 times in XXXX, 12 times XXXX, 3 times in XXXX? That's in 1 account they falsely put on my report and updated it as of XX/XX/XXXX. Then on XX/XX/XXXX Equifax allowed them to indicate me 0 times late XXXX, 0 times late XXXX, 1 times late XXXX. I was able to do a side by side comparison between all three credit reports. Equifax has enlisted the egregious, and purposeful information placed on their site to personally injure me and my person, reputation. I demand that this information be deleted. The information isn't consistent across all three agencies. There is one other account that Equifax has placed on my report twice XXXX XXXX. And this information is also, inconsistent across the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX  XXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX  XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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 — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I was charged {$49.00} 3 times on XX/XX/2022 as a total of {$140.00} from a company called XXXX which is not even located on USA. I called coinbase the same day I was charged and many other times. They have send me only Emails promising to fix it but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have contacted Affirm to let them know that I never opened an account with them, I submitted a police report as well, about two years ago, I'm tired of it being a negative blemish on my credit file, they say I owe them for two separate charges, one for {$200.00} and another for {$200.00} dollars, this debt doesn't belong to me and they refuse to remove it. account open date XX/XX/2018 for the {$200.00} dollars debt and XX/XX/2018 for the {$200.00} dollar debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On Saturday, XX/XX/2022 I discovered I could no longer access my Marcus Bank ( an online bank owned by Goldman Sachs ) account either via the app or online. There was a message instead that I should phone the company, with a 24/7 phone number and so I called. I was on the phone for more than an hour with being on hold and back and forth between the agent and other departments until the agent informed me I had to call back on the following day, Sunday, XX/XX/XXXX. I asked them if they had hours on Sunday and they assured me they did and so I called again on Sunday XX/XX/XXXX, After another hour or so of being on hold and back and forth they informed me that I had to be on a three way call with all of my other external banks so that they could verify my ownership of those accounts. Now I had been banking with Marcus for years and have had several banks that were external banks listed on my accounts, and I had had these accounts verified the normal way either through XXXX ( a secure login process ) or via the process of small deposits that required verification. Never in all my years of banking have I had logins frozen and not been able to get in, after a phone call to verify my identity. 
They told me on Sunday XX/XX/2022 that I needed to be on a 3-way phone call with each of my external banks to verify ownership. However I had been on the phone with them at that point for more than an hour and didn't have any more time to be on the phone so I ended the call and called back today XX/XX/2022 during normal business hours. I was still on the phone and on hold for more than an hour ( and I am still on the phone and on hold ) and so far have not been able to get into my account and to transfer my funds. I am hoping that they will be letting me in ( I'm in it for the long hall although I don't have much time left today and have been on for quite a while ) but at this point all I want is to get my money out of that bank as soon as possible and close my account. 
This is beyond unfair practice to a customer- to not have a process for telephone authentication sufficient to remove a lock on an account, and to have an unreasonable process for external bank verification as well. As soon as I get access I will remove my funds from this account but I think Marcus bank needs to be " punished '' in some way for their lack of responsiveness, so that they do not treat customers this way in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.

Company response to consumer: Closed with explanation