vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX  I got confirmation that I successfully applied to the XXXX  income based repayment program. 

I spoke with my loan issuer AIDVANTAGE on the phone and they said we may have recieved your request but not yet processed it I tried calling a few days after with similar responses. They told me on was on forebarence until XXXX which i stated that I wasnt supposed to have interest charged on my loans based on the XXXX  program. 

This was ignored and they continued to charge me interest. I have self certified income multiple times throughout the month of XXXX to no avail. On XXXX XXXX I sent written instructions to the servicer. 

This was also not responded to and ignored by the student loan issuer who continues to charge interest on my loans and ignores my request for the income based repayment based on the XXXX  program. 

I have tried countless times throughout the last month and I would do anything to get this process moving in the right direction and the interest that has accrued so far to be taken off my student loan balance. 

My income is EXTREMELY low and I do not have enough to make ends meet in my household at this time. Please help me with my case, and clarify to AidVantage student loan issued that interest should not be accruing beyond the original loan amount with where my income is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: WI

Complaint narrative:
XXXX XXXX XXXX reported a delinquency to the credit bureaus which was incorrect. They wrote a letter to the with the steps they took to remedy, including requesting it be removed from the credit bureaus ( see attached ). XXXX XXXX Partners did what they were supposed to do, but the credit bureaus did not. 

Complaint : The credit bureaus did not update my information as directed by 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 explanation
Consumer complaint received 2023-09-19 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: SC

Complaint narrative:
The term that is being reported is reporting inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: SC

Complaint narrative:
The term that is being reported is reporting inaccurately 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
I am disputing this as erroneous. I was quoted an amount for the insurance premium and paid it in full. After sending the last payment, making XXXX balance due, and after cancelling my insurance as it was no longer needed, XXXX proceeded to harass me with repetitive audits where they kept coming up with new amounts supposedly due and then adjusting the alleged amount due after each new audit. I provided all the necessary information to them yet they kept doing audits and I have contacted them numerous times both by phone and email in attempt to resolve this, but they continued to the point of it being harassing. Then they sent me to collections when I do not owe them anything. I am kindly asking this collection agency to stop sending me bills since I have proof the policy was paid in full and also of cooperating with their harassing, confusing, and unfair audit process. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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:
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. 
XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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. 
XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX Force-placed insurance. 
In XX/XX/2018 you purchased homeowners ins for XXXX XXXX XXXX XXXX send copies of the written notice pursuant to XXXX ( d ) ( XXXX ) that you XXXX now Community sent to homeowner before purchasing XXXX for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020, {$8800.00}, I am not on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa 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 2023-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Regarding case # XXXX, I disputed a purchase for a sweater that I purchased on my Capital One Quick Silver credit card. The sweater in question was purchased on 2/23/23 for {$120.00}. Within two month the sweater had fallen apart with multiple rips in the seams. I contacted the company that I purchased from ( Figs ) in order to give them the opportunity to rectify the charge. The email was not responded to by Figs, and there is no other contact information listed. I therefore disputed the charge with my credit card. In XX/XX/XXXX, I submitted supplementary information which was requested following my initial dispute, including images of the disrepair, receipts of the purchase, as well as an estimate to fix the article of clothing. My credit card rejected the dispute, claiming I did not provide enough documentation. Following this, I called and spoke to XXXX at Capital One Quick Silver, to inquire what I was missing, which she could not inform me of. I have provided all documentation requested and as a consumer, I should be protected from purchasing defective merchandise. I appreciate any assistance you can provide in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have different due dates listed on my statements and on my account. XXXX says XX/XX/XXXX, and the other shows XX/XX/XXXX. Additionally, I received an email saying they received my XXXX request on XX/XX/XXXX when I filed it in early XXXX. When I go online, it says I'm on SAVE, but it also said that PRIOR to me receiving an email saying they JUST received my XXXX  request. I have no idea what payment plan I'm on, I have no clue WHEN I owe them money, and I have XXXX faith that the bill they sent me is correct. Additionally, it's nearly impossible to get in contact with them via phone. There are insane wait times and we've experienced calls being disconnected after waiting over an hour to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: WI

Complaint narrative:
There is 2 ACCOUNTS on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified information to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified ACCOUNTS are XXXX XXXX  account number : XXXX. The second account account is XXXX XXXX XXXX account number : XXXX. These 2 accounts are not information related to any transaction by me as the consumer : ** [ enter information here with account name and number or inquiry name and date** 15 US Code 1681 c2 a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
We, XXXX XXXX XXXX XXXX received a response from Consumer Finance providing a claim # we were requesting from Wells Fargo Bank so we could reach out as they advised they needed that specific claim # to give us an update. I reached out to Wells Fargo requesting an update, with the claim # they provided. I was first given an email : XXXX. I sent an email with the advised subject line, including the claim # and the email came back undeliverable. Its not a usable email or it is invalid or not an active email. I called back, I was given their claims department number of : XXXX from a claims rep. This was after being transferred to her from XXXX different people. I spoke to XXXX who advised after being on hold that she had to transfer me to the ACH claims department. In that dept. I spoke to a XXXX, who stated she could not pull up the information with the claim # I provided, or the account number ( listed on the affidavit of forgery paperwork ) and said that I had to go to the branch that allowed the check to be cashed. I advised that we dont know what branch it was and we are in another state and that is not a possibility. She said she couldnt help me and had to get me to customer service. She transferred me so a line that was not good, a person who didnt speak XXXX well, and said he couldnt help me because he couldnt hear me either. 
I need a way of communication with Wells Fargo. I need them to provide an update on the claim with the claim number they provided, which was XXXX. We complied with what they requested, were told that we had to contact them with the claim # and now they can not give us an update.

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 2023-09-19 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-09-19 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Bank of Americas so called senior resolution specialist omitted the fact that their employees misled me on multiple fronts after they blocked my card for no reasons.

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 2023-09-19 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: OH

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX and XXXX XXXX : Hard Inquiry, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.

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 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
1006.34 Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
1. Refuses to properly resend and provide proper information to DIFS for refusal to cancel loan for unreceived goods and services. 
2, continues to report to credit beura for late payments for goods and services we did not receive. We continue to be denied for another auto loan causing sever financial distress. 
3. Locked out of account information and they refuse to give balance over the phone. 
4. Continuing to commit fraud. 
5. Continuing to take payments for goods and services not received and we have been threatened if we do not pay. 
6. XXXX, XXXX, and XXXX 3 credit reporting agencies are assisting them in destroying our finances by allowing them to continue to report and allowing the negative posts to stay on report for goods and Servies not received. 
7. Mailing my personal information to different addresses. 
8. mailing they mailed information pertaining to our claims with DIFS the never sent us a single file. the difs did.

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