vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a call from my mother this morning stating that she had received a call on HER cell phone from a woman asking for me. 

My mother advised me that when she answered her phone from the number XXXX showing a name of XXXX XXXX, she assumed it was a normal call. However, when the woman on the other end asked for me, my mother never provided her a name and asked who was calling. 

The woman on the other end stated her name and then told her she was calling from Capio Partners and told her that the call was an attempt to collect a debt and so on and so forth.

My mother immediately stopped her and advised her that she never told her who she was and that she was releasing personal information on someone else 's account that was not her own which is AGAINST The law! The woman on the other end of the phone said that it is not and she can provide the information. 

My mother then told her that she previously worked for a debt collection company and she knows for a fact that she CAN NOT provide her the mini XXXX and advised that she is calling about a debt if it has not been confirmed that she is not speaking with the debtor. The woman then became combative and would not disconnect the call. My mother then let her know that she will be filing a complaint. 

This creditor violated my personal rights! If that call would have been answered by someone else A STRANGER even, my personal information would be someone else 's knowledge! this agency needs to take accountability for their agents mistake! 

I am well aware of my rights and I want to request that Capio Partners pay me the fine amount due for releasing my personal details. 

Please review and ensure that I am compensated appropriately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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:
I demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent.

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : XXXX XXXX XXXX requires businesses to notify individuals of unauthorized acquisitions of personal information. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you violate my privacy by sharing any of my PII, XXXX, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting Transunion XXXX and XXXX know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of ITADA and are aiding in identity theft and violating the FCRA. this is a notice to cure.

Thank you for your attention, be blessed.

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 2023-10-27 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-10-27 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
I applied for the SAVE repayment plan on XXXX XXXX XXXX right after the new application was released. I was under the IBR repayment plan and, according to the application, I would need to make a one month reduced forbearance payment of {$5.00}. After some research, I found out that when changing payment plans from the IBR plan, interest is capitalized and you are required to make a standard payment when switching from IBR to another IDR plan. The SAVE plan created this reduced forbearance payment to help with the switch. I completed the application and selected to pay the {$5.00} reduced forbearance payment. Over two months passed and studentaid.gov showed that my application had been processed but my account was not updated on my loan servicer Aidvantage account. I called AidVantage several times in XXXX and was told there were different issues each time. The first being that I needed to recertify my income even though I provided authority to allow the servicer to obtain that information directly from the IRS in the SAVE application. I recertified online and with each rep I spoke with but their records still show that I have not recertified my income. Then a rep told me I needed to apply for forbearance and pay {$50.00}. I explained to the rep that this was not the case and that the application only said {$5.00} but they required me to pay {$50.00} so I did. Then I got a denial for forbearance. I called back and the new rep said that was a different type of forbearance and that I only needed to pay {$5.00} and that they were processing my application and to check back in a couple of weeks. I called back again and was told my application was approved and that my first payment would be in XXXX  as I had the 1 month reduced forbearance. However, in XXXX Aidvantage processed my new monthly payment causing me hardship because I had not budgeted for the payment in XXXX  due to the forbearance I was told I would be in. I called to complain and escalated to a supervisor who told me to stop the payment with my bank and was extremely rude and unhelpful. Additionally, my interest was never capitalized and my loan balance increased after the payment because my payment did not cover the interest despite the fact that the SAVE plan specifically states this would not happen. When I call during business hours to try to figure out why they did not capitalize the interest when I went into the SAVE plan and why my balance is increasing, they do not answer the phone, I am sent to a voicemail and they fail to return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The account in question was open fraudulently with my information unknowingly to me, they refuse to remove it from my credit profile.

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 2023-10-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: MD

Complaint narrative:
I have been doing a short sale with this company and they will not communicate with me. I have called repeatedly and emailed repeatedly. I have called to escalate and still nothing. They have already lost one great offer due to their lack of communication

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NJ

Complaint narrative:
I spoke to a 3rd party in XX/XX/XXXX and got enrolled for Repaye/PSLF program for my student loans. I payed $ XXXX plus {$98.00} every month thereafter until XX/XX/XXXX. I called XXXX my student loan provider where they told me that money was never applied to my loans or my mothers loan which was a student plus loan. 
The representative I spoke to in XXXX there supervisor XXXX, explained to me to reach out to you guys in regards the matter, because this was a 3rd party charging me for services I could have received for free

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
Hard Inquiries 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 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  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was made aware by Newrez XXXX XXXXXXXX XXXX XXXX that I will have additional payments for monthly Escrow shortage in XX/XX/XXXX due to 3 months lapse in property insurance the ending of XXXX and the company placed insurance on the property. The total amount of the escrow was going to be {$1000.00}. The option was given me to pay the entire shortage amount prior to the month of XXXX of {$1000.00} or to pay an additional amount in my monthly mortgage of {$83.00}. On XX/XX/XXXX, I made a payment in the amount of {$1000.00}. Unbeknownst to me the payment was sent to principle and not escrow as per request on the check. Per representative of the bank who I spoke to in XXXX after receiving a late notice ; the payment made in XXXX was allocated to extra principle. I did not look on my statement from the bank until XXXX as I know my mortgage amount is fixed ( I pay my own taxes and insurance ) and saw I was being charged {$83.00} monthly and now my account has a past due amount of {$2100.00} of which {$410.00} was for unpaid late charges. My mortgage is paid before the tenth of each month. I spoke to another representative who told me they were not able to reverse the money that was sent to principle in XXXX because the request was not made within 30 days of payment. On XX/XX/XXXX, I made a payment for my monthly mortgage amount of {$1600.00} and two days later XX/XX/XXXX an additional amount of {$1600.00}. I called the company close to the ending of the month of XXXX to ensure the extra payment was allocated to the right department. Again, it was not sent to the right department. My request was made before the 30 days time and I requested an adjustment. The representative stated they had to do an analysis and a refund will be issued to me for the overage. I called again XX/XX/XXXX, and was informed the refund was being process. I look at my statement again XX/XX/XXXX and again the adjustment was not done. Spoke to several representative XX/XX/XXXX which included a manager and again they have to do another analysis.

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 2023-10-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the Bank of America credit card attached. 

Please completely remove this XXXX  from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc
State: TX

Complaint narrative:
While in the process of trying to rent another apartment I ran into a problem with my credit history on an item from Hunter Warfield that has already been paid off however was never removed from my report, and now it is impacting me to secure a new apartment. Attached is a receipt of payment from the company that I paid out in XXXX. There is no reason for this to still appear on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America which owns Merrill Lynch is forcing customers to open additional checking accounts to achieve greater rewards. 

I have more then enough accounts with Merrill Lynch to qualify for preferred rewards. But nope Bank of America says I have to open another account so they can charge me more fees to get these preferred rewards even though on their own letter it says accounts can be Bank of America and OR Merrill Lynch accounts. 


That is nothing short of consumer fraud Bank of America want people to open additional accounts so they can get their fees and charge people to qualify for rewards program with suspicious wording on their own letters. 

Shame on Bank of America and stay away from them.

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 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I attended college from XXXX and graduate school from XXXX. During that time I had XXXXXXXX XXXX XXXXXXXX loans. Im consolidated them with Great Lakes sometime between XXXX. They were bought out by Nelnet. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during President Bidens term. In XX/XX/2022 I applied and was approved after the required consolidation into an IDR plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments over the required 120 PSLF. And I made some payments during the pandemic. XXXX told me I would get a reimbursement check from the federal government but I havent. Nelnet says they have no responsibility. FSA says Im not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the PSLF waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for PSLF even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! 
So Im writing to you to request assistance in obtaining my reimbursement which is approximately 4-5 years worth of payments. 
Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Shows capital one inquiry that I didnt request a card for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
Hard Inquiries 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 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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-10-27 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:
Hard Inquiries 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 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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XX/XX/XXXXXXXX ) which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation