vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I sent an email in XXXX or XXXX XXXX XXXX explaining that I am XXXX and unable to use my degree. I also explained I work a minimum wage job with casual hours ( XXXX days a MONTH with modified hours ) so I make basically no money. They emailed me back on XX/XX/XXXX saying my monthly payment amount would be {$0.00} for XXXX months. This was a huge relief off my shoulders. However I have received XXXX bills for {$34.00} since then. I emailed again confused explaining my approved amount was {$0.00} and I can not afford this other amount of {$34.00} they say I owe, but all they said after XXXX weeks or so was sorry about the confusion its {$34.00} I need help lowering my payment to {$0.00} a month or I will have to give up a life altering prescription. I need more information about the different options and have asked to speak with someone over the phone. Any time I have tried to call I have never gotten through to a real person and can be on hold anywhere from XXXX hours. The emails I get back only address part of my concerns and they feel insincere or automated. They have not offered any kind of XXXX relief/repayment plan or information. Ive asked several times for someone to contact me or send me a direct phone number because I dont have time to wait on hold all day long to MAYBE talk to someone. I was able to borrow money from a family member to make XXXX payment but I absolutely can not afford to make another. I was switched to this loan servicer from XXXX awhile back without any notice or my consent. XXXX was a much better company. Aidvantage has been nothing but horrible and frustrating. XXXX has better customer service. The DMV HAS BETTER WAIT TIMES. Literally the worst company ever. Even if it was a mistake saying my payment would be {$0.00} when its actually almost {$40.00} is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Partners, LLC
State: IN

Complaint narrative:
On more than one occasion. Recovery Partners contacted my wife about a debt they were trying to collect. At no point did Recovery Partners attempt to contact me directly to see if it was okay to even discuss this with her. This agent told my wife many times that he should not be discussing this debt with her but proceeded to anyway. He knew what he was doing was wrong. The first time was months ago and then the most recent times included XXXX XX/XX/2024 and today XX/XX/2024. My wife said she insisted on trying to get me on the phone so we could all discuss this together but he refused to allow her to do that. My wife helps me with talking on the phone because English is not my first language. I speak English fluently but it may be hard to understand on the phone. That is why she was the first contact on the file that XXXX sent to Recovery Partners. The agent on the phone told her we needed to pay XXXX in installments because XXXX was unable to collect from my old employers commercial insurance policy. She gave him all the information he needed to correct this ( it was a mistake ) but he refused to accept the information she provided and got her very upset. She suffers from a neurological condition and stress/XXXX can trigger XXXX if we are not careful. I was worried she would have a XXXX with how upset she got after the call on XX/XX/2024 with this agent. She attempted to call me many times while I was working and was not able to answer right away. I then got a call from my old employer stating how upset and scared my wife was because this collections agency has made her believe that we need to pay {$10000.00} right away or they would take legal action that would take away my drivers license and could impact my case to get a XXXX XXXX. By the time I spoke to her on the phone, she was crying and upset that I would be taken away from her. After talking to my wife, my ex-employer, XXXX, and XXXX about the issue it appears to be getting resolved. Today though, the same agent contacted my wife yet again instead of me to attempt to collect. He was completely unaware that XXXX and XXXX were fixing this and that Recovery Partners would not be contacting us about this. She told me she recorded that phone call after the last time. She told Recovery Partners that both XXXX and XXXX are connected now, that XXXX apologized for the mistake and said it should not have gone to collections and that they are working with XXXX to fix this. That call was short. So in the end, Recovery Partners made it sound like they are a branch of XXXX XXXX, refused to contact me directly to discuss this, and put it all on my wife to try and clear this up and set up a debt payment arrangement. They also called her at XXXX on XX/XX/2024.

Company response to consumer: Untimely response
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: IL

Complaint narrative:
Remove these inquiries at the earliest, as I have no knowledge of them, and the company proceeded without obtaining my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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.

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 2024-01-31 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: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX Collections under challenge : 1. 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 non-monetary relief
Consumer complaint received 2024-01-31 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. I initially opened the account and was informed that it would be active within a specific timeframe. I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. I visited the branch in person to seek assistance, but unfortunately, the problem persists. I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Lender imposed insurance for no reason in XX/XX/XXXX. We have always had proper insurance with no lapse in coverage. After more than a year and dozens! of phone calls the with customer service reps in Florida, Michigan, Chicago, and XXXX, and Escrow and insurance reps in Florida and Michigan, and conference calls with both departments my problem has still not been solved. Everyone promises to call me back and no one does.

I need a proper escrow analysis which doesnt impose the incorrect lender insurance policy and credits my escrow account for the incorrect charge. They admit I never need the insurance. I have sent proof of my insurance for over a XXXX  multiple times. They always say the back office is dealing with it and we cant call anyone to help because they dont take calls, and a few more days, and we just need more time, and be patient. They have been taking thousands of dollars out of my account each month over the correct amount that should be PITI. They have inflated the Taxes and Insurance amount escrowed each month by thousands of dollars. They wont do an escrow analysis even though they say they will. It has been months of calls and trying to get help. I have detailed notes of every phone call I have made. Please help me. They are stealing my money each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I placed an order on the XXXX app for delivery and received an order that was not mine. I got someone elses order entirely. A much smaller order. XXXX used XXXX but I somehow got a XXXX order ( maybe the delivery person was doing 2 orders on 2 diff apps I have no idea as they just dropped it off on my doormat and left, I never spoke to them ) I filed a dispute with my bank Chase and they denied saying I authorized the charge, while yes I did, but I did not authorize on the order I received as it was NOT mine at all. I paid {$110.00} and got like {$25.00} of someone elses order. How is that fair? Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Rent Recovery Solutions
State: MO

Complaint narrative:
I am not liable for this debt Rentrecoverysolutions. I do not have a contract with Rent Recovery Solutions, LLC. They did not provide with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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.

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 non-monetary relief
Consumer complaint received 2024-01-31 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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
On Sat XX/XX/24 I purchased a service through Google Play called XXXX music through my XXXX XXXX XXXX banking which they also confirmed for me on Mon - wed the company received the money it's not on there end the problem and that I need to contact Google again for the issues. Which I did over the course of the week but to no help I couldn't reach a single soul to help with my issue either nobody could take my call or email would be sent in business days. But during this time there still trying to charge my card after explaining about this through live chat and email. Today they cancelled service and refuse to give me full refund after showing it's not my mistake but yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Good afternoon, XXXX XXXX from Bridgecrest called on Friday, XX/XX/2024 during my work hours where I can not answer my phone during my shift. I returned her phone call on the same day at XXXX. I tried reaching out to her on several occasions for a few days now and left several voice messages and she failed to return my phone calls. My car note is due on Friday, XX/XX/2024 in the amount of {$350.00}. Im not sure if I should continue to pay it until they get their paperwork straight or wait until I hear back from them. What should I do? Thanking you in advance for your prompt assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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.

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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: MO

Complaint narrative:
I have made a cease and desist request to Phillips and Cohen regarding an alleged debt from mercury credit card and from XXXX XXXX. Phillips and Cohen continue to send me letters despite receiving the cease-and-desist request. 

I will clarify further that Phillips and Cohen or their affiliates or associates are not to contact me or my associates by any method. Nor are they to direct third parties to do so. This would apply to XXXX XXXX  Card or their affiliates, XXXX  XXXX or its affiliates or any other group or entity Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
Experian is needs to Reinvestigate the disputed information in my dispute letter. They need to notify me within XXXX days of receving the information that it is being reinvestigated. They are not in compliance with Metro 2 standards.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received money from a family member via Venmo in XXXX and they in error disputed the transaction in XXXX. Venmo immediately froze my account and withdrew the money. After going back and forth with Venmo they told me they were waiting on the bank to submit information to them that the request was closed and withdrawn. The bank provided me the letter saying they had withdrawn the request and that letter was provided to Venmo. Venmo is still saying they need the information from the bank. Venmo has tied up other monies of mine that have nothing to do with this disputed and continues to have my account frozen even though they have all the legal documents required to resolve this and they continue to not resolve this.

Company response to consumer: Closed with explanation