vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: NJ

Complaint narrative:
I am reaching out to revisit the matter of a dispute I previously lodged concerning the unidentified and unverified negative accounts reflected on my credit report. Despite numerous requests for their removal, these accounts persist on my credit file, adversely impacting my creditworthiness.

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 2024-02-01 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
On XX/XX/XXXX, I submitted complaint number XXXX with current student loan servicer Aidvantage. 

The core issues are that : In XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ). These were received by US Dept of Education and by Aidvantage ( on XX/XX/XXXX and XXXX XXXX respectively ). 
I was placed on XXXX XXXX when I raised my previous complain because interest would continue to accrue ( although not capitalize ). 
I requested a resolution to my situation- confirm my placement on SAVE plan, confirm payment, take me off administrative forbearance, and waive interest during administrative forbearance. 

Case was closed on XX/XX/XXXX with company response of : " A noninterest capitalizing administrative forbearance was processed on XX/XX/XXXX, while your Income Driven Repayment ( IDR ) application was reviewed. In an administrative forbearance, interest does accrue but will not capitalize on your balance. In general, when an account is in a repayment status interest will accrue and will not be waived per your promissory notes... Your IDR application was processed on XX/XX/XXXX. '' Company took MUCH longer to process the application and accrued several thousand dollars of interest during administrative forbearance opportunistically and in DIRECT VIOLATION OF FSA and DEPARTMENT OF EDUCATION DIRECTIVES. 

Attached is a memorandum signed by Secretary of Education XXXX XXXX. Aidvantage 's response is a direct violation of the FSA recommendation and Department of Education Authority to " Remediate Potential Harm to Borrowers Caused by Repayment Servicing Errors ''. 

On page 5 of the memo, it states under the section Lost Interest Subsidy " If borrowers on the SAVE plan can not make a payment because servicer... placed them in administrative forbearance these borrowers will lose out on any potential interest subsidies for that month. The remediation for this is to ensure these borrowers ' balances do not increase due to interest while their monthly payments are being recalculated '' On Page 5/6, it states " Pending your approval, FSA intends to instruct servicers to :... Ensure affected borrowers effectively do not accrue any interest while their accounts are being corrected '' On Page 10, it concludes " FSA recommends that the Department use the Secretary 's compromise authority to adjust any interest accrued for affected borrowers while their accounts are being remediated. The memo also requests approval to grant credit towards IDR and PSLF for borrowers were taken out of repayment status and in an administrative forbearance to resolve these servicing errors. '' The memorandum was approved and signed by XXXX XXXX. 

Aidvantage 's response demonstrates a blatant breach of the Department of Education / FSA memo and opens up significant risk of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: WA

Complaint narrative:
Escrow requested payoff. The send the wrong pre-payment penalty amount. XXXX equal to 4 %. It should be 1 %. XXXX. 

Have been put on hold for hours many times.

When asked to speak to manager they dropped the call.

Caused a full day of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was a a JP Morgan chase card application run on my name which I told them it is not mine. I tried telling them to have it remove but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In XXXX XXXX  retaliation for me having filed multiple previous complaints to the CFPB, Goldman Sachs went XXXX  and froze an almost $ XXXX payment I made for two weeks just to XXXX XXXX and let me know that it is in fact Goldman Sachs who owns the government because all they have to do is XXXX the right people. Anybody of XXXX or XXXX XXXX is considered XXXX and apparently our money takes two whole weeks to clear because they think its XXXX XXXX XXXX XXXX XXXX XXXX. Even though Goldman Sachs admitted in writing I never bounced a payment or had a late payment ever, the customer service supervisor perpetuated that XXXX XXXXXXXX XXXX  that I had done anything wrong with my account. The only people that Goldman Sachs honors the money for are for those who are XXXX only.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
2023 I paid more than required yearly for my car payment. I ask the company to provide me with the balance they say that I owe and dates. The information they provide was not aligned with my statements from my bank account. I feel there is discrepancies in there billing practices.

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 2024-02-01 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: NJ

Complaint narrative:
I am reaching out to revisit the matter of a dispute I previously lodged concerning the unidentified and unverified negative accounts reflected on my credit report. Despite numerous requests for their removal, these accounts persist on my credit file, adversely impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out to revisit the matter of a dispute I previously lodged concerning the unidentified and unverified negative accounts reflected on my credit report. Despite numerous requests for their removal, these accounts persist on my credit file, adversely impacting my creditworthiness.

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 2024-02-01 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Certified Mail # Attn CFO : XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all the above disclosures required by the XXXX. 

Yours Truly XXXX, XXXX ( All Rights Reserved ) XXXX XXXX XXXX XXXX XXXX XXXX Maryland 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 2024-02-01 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Certified Mail # Attn XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all the above disclosures required by the XXXX 

Yours Truly XXXX, XXXX ( All Rights Reserved ) XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a letter from Discover, XXXX XXXX XXXX, XXXX XXXX, OH XXXX stating that they were attempting to contact me regarding their need to obtain additional information from me about a fraud claim I filed with them concerning a charge to my credit card dated XX/XX/XXXX in the amount of {$2500.00} for " merchandise '' purchased at " XXXX XXXX XXXX XXXX '', XXXX as well as a second charge of {$6.00} made at " XXXX 's XXXX '', XXXX ( total disputed amount equalling {$2500.00}. I immediately called the number listed in this correspondence ( XXXX ) and spoke with a Discover representative, answering his questions truthfully that I have never been in a XXXX XXXX XXXX XXXX  nor did I make any purchases there or at the XXXX 's the same day. On XX/XX/XXXX, I reviewed my checking account and learned that, despite my honesty, they had placed these charges back on my checking account. I called Discover again only to be told their investigation determined I was to be held liable for these two charges. I am furious considering whoever made these charges was declined initially ( according to Discover ) but then approved minutes later. I should have lied when they asked me if my credit card was ever lost or stolen but it wasn't ( to my knowledge ) and I know with absolute certainty I did not authorize these two purchases nor did any of my family or friends make these purchases. Because of their actions, I was notified by XXXX XXXX that my credit rating went down XXXX points due to someone stealing my identity. I have been a loyal customer of Discover with outstanding credit who pays his debts faithfully but I refuse to be held liable for something and someone that I have no control over. Please help. Thank you for any assistance you can provide me. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I left my phone and I didn't realize it. While walking in the parking lot to my car, a guy yelled out to me telling me that I left my phone. He gave it back to me, and I left. After arriving home, I received emails from Navy Federal Credit Union with claims of old transactions that were already paid and they issued temporary credit immediately against my account without my consent. Within that time I also received emails from XXXX XXXX that {$1400.00} was sent to a person I don't know ( XXXX XXXX ). I contacted Navy Federal and they told me the transaction couldn't be reversed. 
Both XXXX XXXX and Navy Federal denied my refund. 
How can you assist me with this lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
i have no knowledge of these accounts and i never gave any permission for anyone to use my name for anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2024-02-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: AZ

Complaint narrative:
I reached out to all 3 credit reporting companies and no one has sent any correspondences in regards to my request in the past XXXX  months after several attempts. I need this data removed off of my files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reached out to all 3 credit reporting companies and no one has sent any correspondences in regards to my request in the past XXXX  months after several attempts. I need this data removed off of my files immediately.

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