vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: ID

Complaint narrative:
I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX AidVantage ( my former loan servicer was XXXX ) regarding refunding payments that I made after the pandemic was declared by the Federal Government in XX/XX/XXXX. I was told that I made payments totaling {$5600.00} during that timeframe and that amount would be refunded to the bank account that the payments came from within 4-6 weeks. 

Today, on XX/XX/XXXX at XXXX XXXX XXXX one day short of 8 weeks since I first contacted my loan servicer, I called to follow up on the status of my refund. I first spoke with XXXX, who told me that the refund would take around 12 weeks, which is more than double the time that I was originally told. After pressing her, she transferred me to another department so I could get the status of my refund. Once the call was transferred, I was told the refund would be via check, not to my bank account like I was originally told. I was also told that the refund was just processed today, but it would now go to t

he U.S. Treasury and it would take an additional 10-14 weeks to receive a check. This is unacceptable. In summary, I was lied to, mislead, and deceived. The refund should have been to my bank account within 4-6 weeks and I am now being told I will receive a paper check and it will take a total of 18-22 weeks ( 8 weeks for processing and 10-14 weeks for the Treasury to send the check ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: URS Holding, LLC
State: TX

Complaint narrative:
XX/XX/2022 approximately XXXX XXXX a man left two voicemails using intimidating implications of my arrest or worse with my two elderly parents. They were so very upset and contacted me. I called the number given and gave them the case number and the lady couldn't tell me anything about the claim. She wouldn't identity the one filing the complaint and wouldn't tell me what the claim number brought up as in information to claim filed. I have not received anything in the mail about this or any telephone call.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
Last week of XXXXXXXX XXXX  my XXXX and I were finalizing paperwork in order to close on our first home. During that week we went to XXXX XXXX XXXX ( XXXX ) and purchased a refrigerator online and though AFFIRM Financing. Delivery date was to be on Saturday, XX/XX/2022. Several days later we called local lowes her in XXXX Oklahoma to cancel order for we found another refrigerator from a different competitor. On XX/XX/XXXX around XXXX I recieved a call from XXXX XXXX that they were enroute to deliver refrigerator!! I told them that the order had been cancel, I also explained that the residence was vacant due to delayed Closing on house and that we had bought another refrigerator elsewhere. Delivery driver stated that they would take care of it. 
About 45 days later now in late Month of XXXX I started receiving calls from AFFIRM Financing regarding missed payment for loan. I explained to them we did NOT receive product and explain to them the above situation that happen. I filed a formal complaint with AFFIRM in XXXX where they stated they will reach out to me in 3 to 5 days and it may take several weeks for them to investigate. I heard nothing from them only have them close out case with NO response. I submitted documents at their request as well. They continued to several times a month at each time I filed complaint for them to investigate. Each time they closed case without follow up. They told me to work with XXXX to find out problem. XXXX only told me to work with Affirm. I have been to XXXX several times to retrieve whatever documents they had of delivery. They stated from there end that Product was DELIVERED!! When I ask for signature confirmation, they had none and stated the delivery service was a sub-contractor. 
After much frustration I was finally able to talk to a XXXX at AFFIRM in late XX/XX/2022. Take also into account Affirm had already reported to Credit Agency and placed collection with credit Agency. The XXXX stated he would expedite the case and have decision. He closed this case in short time 36 hours when he stated investigation would take 15 days. 
I am being forced to take on a Debt for item I NEVER received and little help has been made to rectify this. There is NO sign confirmation of delivery nor item of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is engaging in a classic and gross bait and switch. They sold their XXXX XXXX XXXX  account years ago as their highest yield savings account. After gaining a bunch of customers, they dropped the XXXX XXXX XXXX  interest rate from XXXX to XXXX and snuck in a new account called the XXXX XXXX XXXX account that earns more than double the interest rate without notifying existing XXXX XXXX XXXX account holders that there was a new account with all the same features only a higher rate of return. Effectively cheating their existing customers out of earnings they would have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Bureau I have been monitoring my credit report for more than 6 months to understand how it really works. Yet, I still have a lot to learn. However, I found out surprisingly Experian Credit Bureau has a speedy habit to process adverse transactions at a higher rate than they do for positives ones. I think this practice is unacceptable. Anyway, recently, I filled a dispute against XXXX XXXX  for reporting a late payment on my report which they were responsible for. Yet even though I explain clearly what happen, they just kept it on my file. They just believe what the bank said. Recently, I paid off a credit card on XX/XX/2022, and I bought something with my XXXXXXXX XXXX I was chocked to realize that the report the XXXX transaction after just one week as a result my credit usage went down. Surprisingly, until now my credit card paid off is still not showing up on my credit report which would have been beneficial by boosting my credit score up to XXXX at least. These people they are helping the middle class they are just working for the rich.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Purchased a vanilla visa gift card for {$200.00} Gave to son as a gift he lives in XXXX XXXX When he tried to use the card it had no money on it. Shows it was used at a XXXX XXXX store in XXXX XXXX the next day after it was purchased. Contacted Incomm Financial and they said they would do an investigation. 2-3 months later they came back and said the same thing I already knew. They advised me no refund as the card was used in person which is not a possibility cause I purchased the card and mailed the next day to XXXX XXXX. They either duplicated the card or there is one really good scam going on. My son mailed it back to me and I have had the card in my possession I now see online that this has happened several times to people that have tried to use the card The card was purchased on XX/XX/22 in XXXX XXXX XXXX mailed to XXXX XXXX on XX/XX/22. Used at XXXX XXXX on XX/XX/22 in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
I have never owned a XXXX  XXXX XXXX. I have pulled my XXXX records and there has never been a car registered under XXXX XXXX XXXX for that Vehicle. I have never had XXXX XXXX XXXX. That is not my signature on those forms. I don't see a copy of how you all verified my Identity. ( Driver 's license, Social Security Card )? All I see is personal information that someone stole. I noticed multiple addresses used. No consistency in which address. Who is XXXX XXXX XXXX? Where is the ID for this file? Where does the documentation truly verify that is me? Employment verification was only a pay stub that could have been old or found by this person and you guys googled the employer instead of truly doing a VOE? Maybe, if these protocols were done at the time of this loan we could have been not having this conversation. You could have helped and stopped me from having this frustration. Someone stole my information, yet the validity of the documentation was not done. They state this is valid, however, how is this valid? 

This is not me. Not my account. I do not see how XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX has anything to do with me. Where is the true verification of Identity? Where is the Employment Verification? Where is the proof you protected me as a consumer?? 

I asked you to please remove this account from my records. It does not belong to 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 2022-11-03 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: CA

Complaint narrative:
The amounts of the Federal Department of Education loans are incorrect. The collection agency that claims this account was refreshed in XXXX and again in XXXX is fraud. I have not contacted the agency or made any payment or communication to these agencies about this loan at either date in either year. They also used credit references I never used nor would I ask to use. I didn't know these people before XXXX. I haven't spoken with either one of these so called references in over XXXX. XXXX XXXX used as a credit reference is also listed in XXXX XXXX California and his address was in XXXX XXXX. It also used an address in reference to me I have never lived at in XXXX California. This information to refresh this loan was obtained by an employer who illegally fired me because I asked this employers for my XXXX, had I received that XXXX I would have found out they had never reported me to the state of California over that year. This delinquency has caused me a lot of financial hardship by sandbagging my credit scores. I have perfect payment record for more than 7 years now and this harming my credit rating severely. This fraudulent information needs to be removed from my credit history immediately. The information used by the collection agency from my fraudulent prior employer was illegally obtained from this employer is illegal in itself. The collection agency then used this false information to fresh this loan in XXXX and XXXX. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Me and wife where in middle of divorce. She controlled the account since XXXX. She passed away XX/XX/XXXX. I have since found out that the account is negative {$18000.00}. She had tried to deposit multiple fraudulent checks and had many transactions for {$10000.00} that cleared the bank and then where pulled back by the sending bank. Bank of America failed to protect the account and allowed this to happen many times. Now that she's passed away and my name is on the account they are asking me to pay and threating to place me on some bank list for check fraud. I've had no access to this account since XX/XX/2022. It seems all these transactions happened between XX/XX/2022 and end of XX/XX/2022.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am the victim of identity theft. I discovered this 4 years ago when I was purchasing a new home. I have reached out to all 3 bureaus and sent all 3 bureaus a copy of all my identifying information along with a police report. I have had debt collectors attempt to come after me for debt owed to them under fraudulent premise. I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. Jefferson Capital Systems flagged my credit reports for a debt that was taken out using my social security number, my 1st name " XXXX '', but a different last name. My name is XXXX XXXX XXXX. The debt owed was in a name belonging to " XXXX XXXX '' ( a name I never went by ) I reached out to Jefferson Capital Systems and alerted them of this error. I was told by one of their reps that this case was given to " XXXX '' another collection agency. I reached out to XXXX and made them aware of the identity theft as well as the name issue. I was told by the XXXX rep that they were sending this case back to Jefferson Capital systems. I called Jefferson Capital Systems back and was told I had o wait until they have the case back. I asked why did I have to wait to address a fraudulent account. I waited a few days and called them back again. Also, I have never had an account with the original debtor " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a student loan with Discover bank, for which I received a disclosure letter on XXXX total disbursement based on disclosure was {$68000.00}. In the letter, the committed margin on my loan was noted as " fixed at XXXX % and was set based on credit evaluation at the time of application. '' However, upon checking, I found that the bank has been charging me a margin of XXXX %. 

I brought this to the attention of the bank via toll free number. I've been waiting for a resolution since then. I was told on my calls that margin is subject to change ( The agent later backtracked upon questioning ). I was promised multiple times that I would get a call back within 2-3 working days- which never happened. 

I have multiple attempts to reach the bank to get updates/find a resolution/ follow up on the issue, here are the dates/records ( XXXX ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
I made a lump sum payment of ~ {$11000.00} in XX/XX/XXXX to XXXX ( Now Aidvantage ) to pay off my student loans. 

On XX/XX/XXXX, I requested a refund of my lump sum payment and was informed it would take about 4 weeks to have the balance reflected back on my account, with a refund back via direct deposit after another 1-2 weeks. 

With no updates, I called on XX/XX/XXXX ( 5 weeks ) to check what's going on and was told that the refund was approved but still processing, and that it would take 6 weeks now from requested date to update the Aidvantage account balance. Since the XXXX increased, I asked if it was possible to expedite my refund in any way, and the representative said it wasn't possible. 

Called again today XX/XX/XXXX ( 7 weeks ) to check for updates as my account balance is still unchanged. An automated bot responded with a 10-12 week turn around time, more than the updated 6 week XXXX. I was able to get hold of a representative, who informed me that she needed to transfer me to someone who can help. A moment later, I was greeted by another automated bot that said it wasn't set up, and that I can no longer be helped and hung up. 

All requests for written confirmation on approvals and turn around times via email/text/mail were denied by Aidvantage and their reps XXXX Which is leading me to believe that my refund is being intentionally delayed without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
RE : Complaint ID XXXX. On XX/XX/22 I received an E-mail from a XXXX XXXX XXXX claiming to be from the Office of the Chairman at 'Citizens '. She said after failing to contact me at my home phone number she sent me this email requesting that I call her at this phone number XXXX. Well I did call this number, over 12 times between then and XX/XX/22 and always got the same recorded message about how she is usually in the office between XXXX and XXXX. I am beginning to wonder if she ever is 'in the office '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Equifax # XXXX 1

5 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 an 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have called & mailed letters to Equifax XXXX XXXX about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.

Company response to consumer: Closed with explanation