vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I had continued to make payments on my student loans during the pandemic until I had it completely paid off. I then heard you could get a refund and that it would be forgiven and no repayment would be required. 
I called to inquire about it and was instantly told that I would be receiving a refund in about XXXX weeks. There wasnt anything asked or required of me besides my social security number. I thought it was odd but figured it was part of the pandemic process. 

NEVER once was I informed that the possibility of having to pay it back could be on the table. Nor was I required to sign anything saying I agreed to pay back if needed. I feel I was scammed. 

I feel it was a terrible guise to create more debt for already struggling people that could use a break to get caught up. 

There is no way I would have accepted the refund if I knew I had to repay it. I HAD JUST PAID OFF MY DEBT TO THEM! 

I have called the customer service number and the automated system says that I dont have a current balance yet I continue to receive past due letters for this account that I never created.

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 — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
After reviewing the qualifications on studentaid.gov, I applied for the XXXX XXXX on XX/XX/XXXX. My family size is XXXX, my AGI from my 2022 XXXX XXXX is {$25000.00}, and I have qualifying loans. My application via Studentaid.gov was received and then sent to my servicer, Mohela. On XX/XX/XXXX, Mohela sent an electronic letter indicating it was unable to XXXX my request for an XXXX due to the following vague rationale " - Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' Mohela did not collect any information from me to verify this information and I have been unable to reach Mohela via telephone to inquire into this issue and have Mohela process the request to be moved to the XXXX XXXX. I understand Mohela is likely struggling to process student loan information given the recent restart ; however, Mohela did not take any steps to collect information from me in order to process my XXXX Plan request, a payment plan I qualify for. I also suspect Mohela is incentivized to deny otherwise qualifying requests like this given their low margin business model and the extra administrative burdens required to process these requests. I am disappointed in Mohela 's efforts but hope to expeditiously resolve this issue. Kind Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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: PA

Complaint narrative:
THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, XXXX continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
XXXX has also been contacted and asked to submit a correction to both XXXX and Trans Union as TU is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both TU and XXXX. 
Ironically XXXX and Trans Union both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( XXXX  ) report, as well as FTC, CFPB, XXXX  and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally disabled still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from XXXX be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the TU report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXX XXXX is attached XXXXXXXX XXXX Letter attached XXXX account ( information provided by XXXX and then confirmed by phone with 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, XXXX continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
Affirm has also been contacted and asked to submit a correction to both XXXX and XXXX XXXX as XXXX is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both XXXX and XXXX. 
Ironically XXXX and XXXX XXXX both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( XXXX XXXX report, as well as FTC, CFPB, XXXX  and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally disabled still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from Affirm be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the XXXX report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX  XXXX XXXX is attached XXXX  Payoff Letter attached Affirm account ( information provided by XXXX and then confirmed by phone with Affirm )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My very first payment to PHH Mortgage for XXXX 's payment was sent to them on XX/XX/2023. The payment was applied as a principal only payment instead of a regular payment with the surplus applied as a principal payment of ( {$54.00} ). I emailed this mistake, then called and spoke with a male rep who fixed the payment and assured it would not happen again. This same issue happened for XXXX 's payment, which was cashed on XX/XX/2023, but was applied again as a principal only payment. I then began receiving letters and statements toward the XXXX of each month, with false balance reportings and late fees. In XX/XX/2023, I again received a false statement, this time I emailed them a copy of the statment along with my bank info showing the payment made prior the XXXX, so the statements should not reflect that I'm past due, when I was not. I informed if this isn't rectified, I would be filing a fedeeral complaint. And it happened again in XXXX and XX/XX/2023. I am being financially harrassed and my credit is receiving false reportings from this company and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I paid the balance with the agreement it would be removed from all three credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called on XX/XX/07 to file a claim dispute with Chase for a XXXX unauthorized charge for my account ending in XXXX. I spoke Chase and dispute and they stated they are unable to get the funds from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, " OneMain Financial '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are several bogus accounts on my credit report. I am attaching the letter sent to credit bureau for deletion.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
Key Bank said that they can not transfer the money to the correct account, because XXXX has to file a dispute first

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.

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 — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: AZ

Complaint narrative:
Company calls me repeatedly from different numbers spamming me before XXXX and after XXXX will not stop calling I feel like I am being harassed it is never ending pain and suffering please make Them Pay me for their crime!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Florida Financial Management dba Lend A Dollar
State: MO

Complaint narrative:
I applied for the loan XX/XX/XXXX or XXXX go the deposit for {$450.00}. I tried to cancel it but only option was pay {$490.00}. A {$45.00} interest. State law in Missouri make loans have a next business day to cancel with no payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony bank. Opened account with a {$100.00} opening balance. The account was placed on restriction. The restriction has not been lifted. The information needed to lift the restriction has not been provided. This has been going on for over 10 months. Notes on file say money will be returned to originating bank. This has not been done. No satisfactory information is being provided. I want to close the account and walk away.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 non-monetary relief
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: EQUIFAX, INC.
State: GA

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.

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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Twice in one month, I have had fraudulent inquiries on Experian by XXXX. XXXX setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. Experian is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Company refuse to cooperate.

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 — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Toward end of XXXX, beginning of XXXX I was reviewing my credit report and noticed that my Synchrony account had a closed status. Account was and closed without reason or notification. They were receiving on time payments. When I contacted the company I asked the rep to email me a document stating they were authorized to take this action. The rep placed me on a long hold and claimed to have sent the document but it was never received. I escalated call to supervisor who stated based current status of my credit they made the decision to close my account. I am currently receiving harassing phone calls and emails for payment after they closed the account. This is a violation of the Fair Credit Reporting Act. They accessed my credit report without my authorization, notification and added information to my credit report without my consent.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint to XXXX Payments Limited and Chase XX/XX/23 I purchased a debit card from XXXX and paid a fee of {$9.00} using my Chase credit card. Chase charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair. 

See response from XXXX which I agree : We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customer used their Chase credit card to pay for their XXXX XXXX order, and were subsequently charged a cash advance fee by Chase. Please note that our review found that the Merchant Category Code ( s ) used ( 4829 and 6012, wire/money order ) were assigned for our role. XXXX does not issue or process cash, nor do we instruct any of our payment processors that we are using cash ; as such, most banks do not treat our transactions as cash advances. Additionally, XXXX discloses all of our own fees to our customers, and likewise a bank should disclose fees associated with their cards. In the event that a bank treats certain merchant codes as cash transactions, regardless of whether the merchant actually handles cash, we believe any related disclosures should be issued by that bank. We can not refund the fees ourselves, as it is assessed by the customers bank ; however, we have provided relevant information to the customer so that they can submit a request for a refund with their bank directly. XXXX is available to provide additional information upon request.

Company response to consumer: Closed with monetary relief