vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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: VA

Complaint narrative:
Aidvantage is not taking my payment for student loan. I tried paying off my entire student loans two times and both times I have received a payment confirmation ( same day ) and a balance of {$0.00} ( about 2-3 days later ), and remains that was for the next 3 days. Yet they made no attempt to take money out of my bank account and the website payment history states a " Payment Reversal '' a week after I made my payment. Then, their website states the payment reversal was done the same day. Spoke to customer service and it was stated that the reason for reversal was unknown. Company refuses to allow payment and my account continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NJ

Complaint narrative:
NetSpend had notified me that there is an issue concerning PayPal Prepaid Mastercard. Earlier this year, I had afforded a gift card for {$100.00} from PayPal. There were instances when PayPal Prepaid Mastercard requested verification to confirm my identity. I requested that I pursue the shorter process that does not require verification. This took place ; there were also instances when PayPal Prepaid Mastercard requested verification that contained information that was not sought to be shared. Third-parties and I complained about PayPal 's verification methods. Currently, there is an {$100.00} prepaid card that had not been activated. I am seeking to receive this {$100.00} back as a refund check. I am also respectfully complaining about PayPal Prepaid Mastercard not activating cards anymore due to not respecting personal wishes already shared.

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 2023-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fidelity National Financial, Inc
State: OR

Complaint narrative:
I was scheduled to close on my mortgage refinance on XX/XX/XXXX. I was informed via phone call and email from Fidelity National Title Company of Oregon that my transaction had closed and was recorded in the early afternoon of XXXX. 

However, I received a subsequent call and email in an attempt to reach me in the late afternoon. When I finally was able to return the call from the title company, I was told that they had made an error in the calculations of the settlement statement and that there was a shortage of funds that would need to be covered by me. When I attempted to resolve the issue with the title company, they refused to take any financial responsibility for their error. Their refusal to accept responsibility also included any additional interest that would accrue until a wire could be sent the upcoming week as it was late Friday afternoon and past outgoing wire cutoff times. They offered to hold back my funds from my property tax escrow to cover the difference, which I declined verbally ( and again later that day via email ). At this impasse I was told by the title company that I would have to contact the lender, XXXXXXXX XXXX, to discuss further. 

When I reached out to the lender that same late afternoon on XXXX, they assured me that the refinance was closed, and that my obligations on the prior loan were fulfilled, and that I could ignore any further requests from the title company for the shortage. 

Representatives from Fidelity National Title Company of Oregon continued to contact me over the next two weeks in an attempt to recover funds from the earlier shortage. I informed them that XXXX had released me of any additional obligations with regard to the shortage. It was at that time that XXXX informed me that they had already paid the shortage to XXXX XXXX and that I was now required to reimburse them. I neither authorized XXXX to do so, nor was I informed when this was done at the time. I let them know that I had been released of any remaining obligation to the lender and that I would not reimburse their funds. 

In a letter dated XX/XX/XXXX, Fidelity National Title Company of Oregon threatened legal action if I did not reimburse what they paid for the shortage of {$2100.00}. I also discovered that they were still holding my property tax holdback of {$10000.00} from my mortgage servicer as leverage in an attempt to force my compliance with their request. I responded to the letter via email on XX/XX/XXXX in which I declined to reimburse their payment and demanded immediate release of my escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Question about a reward and policy regarding reward redemption and a potential misleading / deceptive item. First call on XX/XX/2023, second on XX/XX/2023. Both times was promised a callback from a supervisor to support resolution within 24 hours. Neither time did anyone from American Express attempt to reach out or fulfill the commitment to have a supervisor call to help resolve issue. And after two unsuccessful attempts to resolve, and no return phone communication despite direct promise from both service reps to have a return call, decided to escalate to a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pen this letter with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. This is the account needed to be deleted : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.

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 2023-09-29 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: PA

Complaint narrative:
I have 6 Federal DIRECT student loans ( subsidized and unsubsidized with one consolidation prior to employment ). I continue to struggle to get my PSLF fairly counted. The past complaint response was misleading and the servicer at that time stated they gave me credit for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- onwards with the CFPB, but they did not apply it to all loans. Now MOHELA is being deceptive by applying forbearance periods to each loan differently to prevent me from getting 120 payments. This is blatantly obvious by the fact I received PSLF forgiveness for Loan # XXXX but not for XXXX # XXXX - XXXX. Upon checking the StudentAid.gov website, I confirmed the following facts below, which supports my complaint. 

IG = Grace RP = In Repayment FB = Forbearance Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - IG XX/XX/XXXX ( same as # XXXX ), and the rest of dates matches Loan # XXXX ( 120 PAYMENTS ). 

Subsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - IG XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, RP XX/XX/XXXX, and FB XX/XX/XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Subsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX with exception of RP entering XX/XX/XXXX instead of XX/XX/XXXX for some reason ( THIS NEEDS TO BE FIXED AS WELL BECAUSE MOHELA ONLY CREDITED ME 114 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Consolidated Loan # XXXX ( Disbursed XX/XX/XXXX ) - XXXX XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, and the rest of dates matches Loan # XXXX ( THIS LOAN IS CORRECTLY PSLF FORGIVEN WITH 120 PAYMENTS ). 

I called MOHELA today, XX/XX/XXXX and attempted to get this resolved with the agent but they did not provide me with a clear path forward and shifted responsibility on the DOE and kept referring me to StudentAid.gov. The agent also claimed the DOE is " still '' reviewing PSLF cases and did not give me any indication my account was under review and refused to connect me with the manager. I can not find anywhere on StudentAid.gov to submit a complaint or request for a review of my account. 

Lastly, to add insult to injury, MOHELA hid/deleted my Loan # XXXX information and my forgiveness letter received on XX/XX/XXXX, as evidenced in the screenshots. They are doing everything in their power to prevent PSLF forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
XXXX all assets approximately {$8000.00} were frozen leaving me no way to pay for gas or food

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023, I submitted a letter disputing two collection accounts. 

On XX/XX/2023, I submitted a demand letter requesting removal since the XXXX had not verified and or removed the collections. 

See attached.

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 2023-09-29 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently submitted a document for Fraudulent XXXX XXXX account Staying I was not the owner of the account that was opened under my information. The account was removed on XXXX XXXXmy score went up XXXX point. A XXXX XXXXXXXX account was deleted several weeks ago. The score moved XXXX plus points. I really dont understand. I have experienced great stress harassment false information about account information damages and inaccurate reporting of information.

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 2023-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Good morning ; I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit XXXX experian XXXX and XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to experian XXXX and XXXX supervisor and they hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare that they will keep putten more things please need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received notification via email on XX/XX/XXXX from Capital One that my credit card account was closed due to inactivity and responded that I did not want the account closed. I planned on making a significant purchase with this card in the next month. The closure of the account caused a drop in credit score and significant loss of credit line. I contacted Capital One via phone on XX/XX/XXXX to see if the account could be up and running again and was told no, the account is permanently closed and nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MO

Complaint narrative:
This debt collector attempted to impersonate a government agency and investigate me for fraud because I havent had a chance to make a loan payment. Instead of contacting me via phone or email or mail they called/texted me and my ex husband whom I did not provide contact information for. I called the agent who then said it was global solutions not the government agency they were claiming to be. She then yelled and cursed me out for pointing out the collection tactics were in violation of my rights, abusive, and illegal. I ended the call and she then proceeded to continue to text me threats.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: MD

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
They have called me thirteen times in a matter of four days in order to collect a debt that they show in their system as paid off. I paid the card yesterday and am still receiving calls about it. As I understand they're only allowed to call seven times in seven days, they keep calling and refuse to leave messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX 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 2023-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief