vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have unauthorized Inquiries reporting on my Experian credit report. I ask that someone can please help me getting them removed. 
Inquiries XXXX ) XXXX XXXX  XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX  - XX/XX/2022 These are the 7 Inquiries that I am disputing with Experian. I ask that someone help with the removal of these unauthorized Inquiries. 

Respectfully, XXXX 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
According to the FCRA reporting act I am privileged to have a fair accurate credit report and any inaccuracies found must be corrected and made correct to the positive standing and reflect XXXX inaccuracies XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES, LAST REPORTED DATE XX/XX/23 please also missed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: TX

Complaint narrative:
XX/XX/XXXX {$170.00} and XX/XX/XXXX {$97.00}. I texted them because that's the only way you can contact them. They said they would refund my money in 4 to 6 business days but shortly after that text I recognized they took another {$97.00} from my bank account which brought it to a negative. When I text and asked them what was going on with this they didn't respond. The company is Albert banking.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but Celtic bank fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.

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 2023-11-06 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: IL

Complaint narrative:
My loans have recently been transferred from XXXX to Aidvantage. Prior to the change and prior to the XXXX payment pause, my student loans were on autopay, in order to receive a reduction in interest owed. I had no problems making payments automatically until the loan payment pause. 3 years later my loans have now been transferred to Aidvantage, who on numerous occasions confirmed that my autopayment status was still active and no further action was necessary on my part. My due date comes, they initiate the payment and send me correspondence that my payment was successfully received. However a couple days later they send me a letter stating the payment wasn't received with an explanation of " unable to locate account. '' This is frustrating because they received the same account information from my previous servicer who had no issue with my bank information so there was no error in inputting the information on my end ( because Aidvantage took the information directly from XXXX ). I then proceeded to re-enroll unto auto pay with the exact same credentials and even make an additional payment manually. I called to speak with an Aidvantage rep to confirm my payments and they were confirmed on XX/XX/23 as paid. I even spoke with my bank to see if the bank had an issue with the charge, but was notified that the payment never came through to the bank. Today there has been no payment made from my bank which means there is some issue going on with Aidvantage and their processing of bank information, however I do not want to be the blame for their problem and ve adversely affected. Moreover, I do not want to mail my payment in because I will no longer receive the discount for being enrolled in autopay. 

I have researched this issue to find that there are discussion threads of this exact same issue happening to other consumers being serviced by Aidvantage, so this is definitely a massive technical issue on their part. I was advised that filing a complaint with the CFPB is how other consumers have had this issue resolved and I would like to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and experian, XXXX XXXXXXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

XXXX5 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I do not recognize these inquiries from my credit report, and I asked the Credit Bureau to remove them, and they did not do as asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: MOHELA
State: MN

Complaint narrative:
MOHELA has caused significant difficulty during transition to repayment. I applied for XXXX XXXX XXXX, but selected that I did not want to go into forbearance because I wanted to continue to make payments towards my PSLF forgiveness. MOHELA put me into forbearance anyways. 

I called several times but was on hold for over XXXX minutes each time. When I finally got through, I was able to have my account taken out of forbearance, but then was advised my XXXX payment would be noted as a late payment. Since I was in forbearance at the time, I asked for that payment to not be reflected as a missed/late payment because at the time there was no payment due. The representative stated there is nothing she can do. When I asked for a supervisor, she said she was going to put me on hold but then hung up on me. I had to call back and wait on hold for another XXXX minutes to get through. 

I then spoke with a representative that said I would not have a past-due amount or any missed/late payments for the month of XXXX. However, now when I check the site, it says that I have a past-due amount from XXXX - when I was in forbearance. 

MOHELA has not been helpful in getting my repayments back on track, logging them correctly, or having adequate support to be able to fix/address any problems that have been experienced during this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: FL

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 # beg in XXXX, Account name : XXXX XXXX # beg  in XXXX, Account name : XXXX XXXX XXXX  # beg in XXXX, Account name : # 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 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 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 2023-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/26 I called and spoke to XXXX with Loancare and explained I was submitting a mortgage assistance application for a XXXX  plan. I submitted a hardship letter with an explanation that my foundation needs to be repaired at an estimated cost of XXXX. I need to be out of the house and pay for other living arrangements. I was told I would be reviewed for a XXXX  plan. I called on XXXX and was told by a representative that I am only be reviewed for a loan modification. A loan modification will not help me at this point.

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 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BHA Services
State: VA

Complaint narrative:
Continuing to contact me by phone/text/email where Ive asked them to stop repeatedly.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
ACIMA DIGITAL FKA SIMP lease with account # XXXX and a balance of {$3100.00}. 

This account is a charge off account and is no longer active on the creditor books, ACIMA DIGITAL FKA SIMP lease is reporting a active balance to the credit bureau and decline my request for a 1099-C form, creating damages to me an my family credibility intentionally the IRS laws stated that charged off account should be reported as GROSS INCOME, ACIMA DIGITAL FKA SIMP lease is reporting incorrect information to the consumer reporting agencies which is a volition of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX sold my private source data information to XXXX XXXX  without authorization or consent ti release consumer private information. A cease and desist was sent out to XXXX  as well as a request for a bill of particulars, consent to furnish private information from a third party, full account statements showing both sides of the ledger, XXXX for the assumed debt and none of this information was provided. I have filed a fraud complain with the FTC FOR SECURITY FRAUD AS WELL AS REPORTING THIS COMPANY FOR TAX EVASION

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I was looking for a loan to pay off credit card debt. I was very careful about only selecting websites that didn't pull a hard credit inquiry. ( I checked with about XXXX ) I received a call immediately from One main Financial, while I was still on their web page. The guy named XXXX went over some information and stated that he could help me but I had to email him my pay stubs and a copy of my driver 's license to complete the application. I asked if there was a hard inquiry and he stated " no, there is not a hard inquiry until you verify your identity and income. " I said I would have to think it through before I made a decision. Later on that evening I was alerted to a hard inquiry. Upon calling the company, another employee answered my call and said that XXXX was unavailable, he would call me Monday. That guy was nasty to me on the phone. Today, XX/XX/23 I received a call from XXXX. He was also nasty to me on the phone and said that " you should have read the fine print before filling out any information. " Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I returned from a 2 month trip out of state near the end of XXXXXXXX XXXX I found I had recieved letters from various credit card companies denying request for credit or asking for more information. When I called these companies Requests had been made on line around XXXX XXXX XXXXXXXX further investigation found that someone had my name, address, email, phone no., social security number and my drivers license number. 

I filed ID Teft report with FTC and police report with XXXX XXXX Sheriff I also recieved a letter in the mail from Bank of America stating that my credit line had increased. I had receved no other form of communication from BOA at that time. 

When I reviewed my statements, I found a {$22000.00} balance transfer of {$22000.00} was made on XX/XX/XXXX to a XXXX Checking account that was not in my on tthe account. I called XXXX and was able to verify my name was not on the account and they notified me that that account had been closed due to fraud. They would not give me name or address on the account. 

My first call to Bank of America was XXXX  when they opened a claim and credited account. 
XX/XX/XXXXXXXX  denied said I had seen the statments and paid on the card. Problem was, I did review statements while on vacation. i simply paid a little more than minumum on the cards to keep them current XXXX re-opened XXXX denied XXXX called again Gave BOA the information on the XXXX Transaction and the it was closed due to fraud. Told it was escalated. 
XX/XX/XXXX denied XX/XX/XXXX called and verbally asked for documentation used to make the decision. 
XX/XX/XXXX Called and requested infor again. Mailed registered letter to BOA requesting documentation on the transaction and the decision to deny calim. i also submitted copy of police report and identity theft report. 
XXXX BOA recieved letter XX/XX/XXXX Called and was told claim is still in progress XXXX called and told claim was denied and closed out, but the last message I recieved was XX/XX/XXXXXXXX - tried to get a supervisor, but was disconnected while waiting. 

It's frustrating that I have recieved no communation from BOA since XX/XX/XXXXXXXX I recieved no communication from BOA when a {$22000.00} transaction was made by phone. 

Bank of America has not done due diligence in investiagating this fraudulent transaction or responding to my questions and requests for documentation.

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 monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Received call from Wells Fargo informing me of a credit to my account made arm withdrawal and was contacted by wells fargo representative saying my account was overdrawn my account showed money was available for withdrawal miraculously the money that was refunded disappeared now my account is overdrawn by said amount also my ATM card was locked was told I would receive new card in mail never received new card and account is still overdrawn

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Between XXXX and XXXX there have been multiple hard inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, etc. I did not request any new lines of credit and have placed freezes with all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I received a letter on XX/XX/2023, from IC Systems Inc. regarding a debt I owe to XXXX XXXX ; however I have never had XXXX XXXX as a wireless XXXX. I believe my identity has been stolen.

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 2023-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Kohls.com card was opened on XXXX XXXX in a different city ( XXXX, XXXX Kohls store south ) with the person opening this card in person, spending {$760.00} without my consent or knowledge of this card. They sent me the actual card in the mail to my address, that is when I knew about the card. 

I called the company on XX/XX/XXXX to request a fraud claim and start an investigation. They told me they would look into it for 30 days and send me the results.

I have requested fraud alerts from the 3 credit reporting companies to be placed on my file and my credit frozen so no cards can be opened in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I HAVE AN INQUIRY FOR XXXXXXXX XXXX XXXX  XXXX XXXX. I DID NOT APPLY FOR ANYTHING NOR GAVE PERMISSION FOR MY CREDIT TO BE RAN, I ADDRESSED IT WITH COMPANY THEY APOLGOIZED AND SAID I HAD TO DISOUTE, I TRIED DISPUTING YET IT IS STILL ON MY REPORT. THIS IS VERY UNFAIR THAT I HAVE AN INQUIRY FOR SOMETHING I DID NOT APPLY FOR.

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