vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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: IN

Complaint narrative:
I recently graduated during the XXXX XXXX XXXX. I am trying to set up an Aidvantage account so I can begin the repayment process. Whenever I try to register for an account, I receive an error message that the information I am putting in does not match the records at Aidvantage. I checked my information through studentaid.gov and all of my information ( social security, phone number, email, birthdate, etc. ) is correct. Rather than go through Aidvantage customer service, I chose to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express on XX/XX/22 responded to my CFPB complaint stating they discriminated against me and wont offer me credit due to their policy. The fraudulent representation of facts of informed use of credit, I was given false and misleading Information, willingly and knowingly which is a crime. A national bank cant extend its own credit only the consumers credit. As I in good faith extended my credit to acquire money on credit via American Express Gold card as my right as a consumer from American Express primarily for personal, family, or household purposes. Reasons stated for the discrimination were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: HW Holding, Inc
State: TX

Complaint narrative:
I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, TransUnion, and XXXX, but XXXX refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX XXXXXXXX, one with XXXX, two with XXXX  XXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on XXXX 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this. 

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

TransUnion, the same. Why does XXXX report all of my credit lines correctly, and XXXX and Trans Union do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XXXX statement, charged XXXX  and the next day attempted a bank transfer for XXXX. Due to a delay from the bank, it didnt go through. The very next day I transferred the XXXX and they charged me a fee. There was no email or notification of the fee. My monthly autopay was more than enough to pay minimum and the XXXX but they did NOT apply it. I was then hit with late fee and my rate tripled. American Express specifically hid this fee to cause a late payment so they could justify the rate increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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:
My credit report shows a credit card as closed. It is not closed nor was it closed by me. I have submitted statements and screenshots from inside the credit card companies own website a mobile app. Account shows a credit balance of {$1.00}. Equifax refuses to change this account even after the credit card companies documents clearly show it is in fact not closed. This is not the first time I have disputed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: GA

Complaint narrative:
My Mohela account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my 3 loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to do so, However ; Mohela started reporting 2 additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to Mohela and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; Mohela refuses to remove the 2 Parent Plus loans or the {$16000.00} loan ( s ). 
I have also complained to Mohela re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX  Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
They are reporting this collection with a past due amount. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: KY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.

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 2022-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: MA

Complaint narrative:
On XX/XX/2022, I received a letter from TrueAccord collection agency stating they were working for XXXX XXXX XXXX without a 1006.34 Notice for validation of debts. 

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section. 

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 

On XX/XX/2022, I filed a dispute with TrueAccord, CEO XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX - XXXX # XXXX - XXXXXXXX XXXX XXXX for {$500.00}. 
This alleged debt is being reported to my 3 CRAs even though TrueAccord and XXXX XXXX XXXX can't validate it. 

This account should be deleted as soon as possible by TruerAccord XXXX XXXX XXXX XXXX. 
You will find all communications attached and I would like to draw your attention ( CFBP ) agency to a letter from TrueAccord XXXX XXXX XXXX XXXX that fails to mention the right to dispute within 30 days, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TN

Complaint narrative:
A lender checked my credit on XX/XX/2022. My husband called XXXX to inquire about refinancing our loan. The representative checked my credit report without my consent. My husband stated he did not know the representative was running my credit, because that wasn't discussed on the call. Not less than five minutes after, that's when I got the notifications about a hard pull. I immediately called XXXX and was giving the run around and was told multiple times, by different representatives that it wasn't a hard pull done by XXXX. Afterwards, I called the lender listed under the inquiry and the phone number has been disconnected.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: ADP Inc.
State: OH

Complaint narrative:
I am writing today to complain of the poor service I received XXXX XXXX  and the payroll manufactures on XX/XX/XXXX - XX/XX/2022. I was given a paycard to receive my money from working at the XXXX XXXX  on XXXX in XXXX Ohio. This card was blocked and my employees told me to call the manufacturers to get my card unblocked. I worked for them before, but theyre saying I worked for them under my mothers maiden name, which I dont recall doing. I called the manufacturers and was told to upload a picture of my state ID, my ssn, and upload my reference number in the description box. A week went by and in the meantime I kept calling and they kept telling me to wait. I called my employers and they said to email the payroll company with a request for mom to change my name on the card. I sent the email and then they told me to keep calling the manufacturers which I have been doing up to this point. While speaking to the supervisors, theyve been telling me to do different thing like upload the reference number in the description to uploading a picture of the reference number on a piece of paper. Today a supervisor explained for the first time after 3 weeks that now I need to upload my birth certificate or marriage or divorce papers which I dont have. All the while, after previously uploading the documents theyve told me that Ive uploaded the proper documents and that the matter will be resolved and it still isnt resolved. This is the reason why Im complaining. I have screenshots and time stamps of the emails and the last time I uploaded the documents eight days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TN

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 Account name XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXXXXXX  Account Number XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX Account XXXX 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 ( a ) ( s ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I look for this to be completed expeditiously within the time frame allotted from Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TN

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 Account name XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX Motors Account XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account 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 604 A Section 2 : It Also states consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 ( a ) ( s ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I look for this to be completed expeditiously within the time frame allotted from Congress.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of fraud at Truist Bank. I discovered fraudulent activity after receiving a postcard in mail from Truist Bank indicating I had declined overdraft protection for a checking account opened online XX/XX/2022. I never opened an account with Truist Bank, nor heard of them before that time. I thought the postcard itself was a scam to get my information. Especially after I spoke to the representative on the phone. I was forced to communicate via a XXXX number with a representative of Truist Bank who DID NOT understand the English language and continually asked for MY account number and my social security number after explaining I was a victim of fraud, instead of transferring me to the Fraud Dept as son as I mentioned fraud. After numerous calls and wait times, I was finally transferred to a Truist Employee Department ( further example of incompetence ) who spoke English and transferred me to the Fraud Dept ( weeks later ). During this time, I received two bank statements with negative balances and a returned fraudulent IRS check. 
The rep from the Fraud Department told me I had three accounts opened in my name in XX/XX/2022. The first account remained open, while the other two were considered fraudulent and closed. No one contacted me about this fraudulent activity. I asked the representative if they had an intention of notifying me about the other two accounts and he replied, No. I asked him why Truist allows accounts to be opened online without any form of identification. He replied, we have ways of confirming the information without identification. I am sure Truist can confirm my information is correct, but they can not confirm the information is being legally used without me and my photo Identification. I have been with the XXXXXXXX XXXX for 45 years. They require two forms of picture identification cards to open an account.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to XXXX so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not 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