vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I received a notice to my Aidvantage account stating that my interest rate reduction for using AutoPay will be suspended during forbearance or deferment and the next line states my loans were approved for deferment. I never made a request to have my loans deferred so I'm not sure why they were. I tried to call their Customer Service line and each of the 12 times that I called, I kept being told to wait on the line then after about 10 minutes I would get a prompt to leave a message for a mailbox ( # XXXX ) however that mailbox was full. I tried to send an email via the Help Center while logged into my account and received a follow up email to my personal email stating that they were unable to respond to my request via the Help Center because it wasn't secure, even though it was sent through my logged in account. So now I'm accruing more interest than normal because my AutoPay enrollment has been removed because they placed my loans in deferment without me requesting this and I'm unable to get a hold of anyone to resolve the issue. How can a company responsible for millions of federal student loans be so difficult to get in contact with. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
I want incorrect information to be deleted that does not belong to me. 

XX/XX/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 2023-09-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been asking for documentation stating why my fraudulent charges were being denied and this is what Ive gotten back since 5 months of asking for them Date : XX/XX/2022 Time : XXXX ; XXXX XXXX XXXX : Consumer Web Sent : XX/XX/2022 Sent to : ( XXXX ) XXXX Dont know what exactly does this refer to or has to do with because first of all the dates the the charges were made are XX/XX/2022 - XX/XX/2022 - XX/XX/2022 and me as a consumer I would be expecting something for each and one of those transactions a reason on why each on of them were declined for a return

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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 2023-09-28 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My shell XXXX  card was charged for gas or miscellaneous that i did not purchase. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I realized this when checking my statement that the gas was more than my tank would allow and checking further it was taken in XXXX XXXX I called Shell to resolve the issue, but to no avail. 
They said I had similar previous charges on my card. So after further investigation I found more fraudulent charges, but I had already paid them and because of autopay I didn't even know. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now every month they are charging me XXXX late fee and interest on charges that are not mine. I called a XXXX times and they put me on hold then then hangup I am getting nowhere.

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 2023-09-28 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: NY

Complaint narrative:
THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00}

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 2023-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: SC

Complaint narrative:
I started this process XX/XX/XXXX, I called Flagstar because my refinance ran into issues with my Title. I received a Covid Partial Claim and it was Recorded XX/XX/XXXX, some time after that Flagstar reached back out that they couldnt find these documents and needed me to resign. At this time the terms changed a little ( one additional month included in Partial Claim ). The issue is BOTH were recorded with the county and showing on my Title. Today is XX/XX/XXXX and I am STILL dealing with Flagstar to get this resolved. From the beginning I was told they were escalating this and it should take 2 weeks, I would call back 2 weeks later and seemingly have to start the whole process over, with the guarantee it was Escaladed and should be done in X number of days. I finally reached out to HUD directly and got more accomplished in 2 days being a middle man between HUD and Flagstar, then the ENTIRE time I have been calling Flagstar. There were weeks I called 3 or 4 times for updates without any actual results.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX ( Phone and Internet company ) Experian ( Credit Reporting company ) XXXX : XX/XX/2023 I closed a XXXX account. Upon closing the account I had a Credit of {$50.00}. 

XX/XX/2023 I used the Credit of {$50.00} towards a XXXX XXXX account as that was the option given to me by a representative XXXX. 

XXXX - Present I have been notified that the Closed Account has a balance of {$50.00} which I now owe. 
I have spoken to multiple XXXX agents ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) in different departments regarding this. They all apologize for the situation and admitted it's an internal error on their end. They all claim to have resolved my issue even providing me with confirmation numbers and emails. However the problem hasn't been resolved and now the Closed account has been put through collections. 

Experian ( Credit report company ) has notified me of this. There is now a derogatory claim in my report from XXXX for {$50.00}. My credit score has also dramatically dropped because of this situation. 

This is very unfair to me. I did not do anything wrong. XXXX admits the internal error on their end, even apologized for this but they haven't done anything to correct this.

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 2023-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
The car was repossessed and when we contacted the company they explained the car was sold, but they are still charging us for the car. Im requesting that this be removed from my credit report immediately. The cars value was {$8000.00} and they repossessed the car for {$2000.00} so its no longer my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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:
I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution

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 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP
State: FL

Complaint narrative:
My loan maturity date was XX/XX/2023. I sent in the final payment online banking, like I have done for XXXX years. XXXX week later, I noticed the money was not withdrawn but sitting on their end waiting to be applied. I called Key Bank and the XXXXXXXX told me it takes a while to be applied since it is a large amount. Weeks later I received a letter telling me my account is in default. I called, explained and the situation seemed to correct itself. However, the letters kept coming and no one could explain why the money was sitting on their side. I have since payed the full amount plus a hefty fee since they kept telling me that my account was in default. I am seeking my interest payments back from the company for the last XXXX months and they are not willing to provide me with an answer. Since then, they reported the account to the credit bureau as being XXXX days in default which lowered my credit score by XXXX points. They will not withdraw this notification to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX  have any type of block on it thank you.

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 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing as a follow up on two previous complaints I've submitted regarding the Wells Fargo settlement in XXXX of XXXX with CFPB. 
I was absolutely a victim of Wells Fargo systematic dishonest practices in modifying my home mortgage in XXXX. For that reason, I believe I should be a party to the settlement reached with the CFPB. I have documentation which proves the organization withheld information at the time of the modification. They are using the same delaying, avoidance, and transferring tactics as before. Each correspondence with Wells Fargo, is returned asking for further information, and offering no assistance. And it is always from a different person. And this person has no knowledge of the matter, and will take two weeks to look into things. Then they will respond with another letter requesting the same information previously submitted. Nothing like kicking the can down the road. 
I have also asked for their criteria and/ or a matrix as to who will be a party to the settlement. They have said that is confidential company information. 
I've asked who is responsible for the administering of the settlement? They refuse to answer that question, as it's company business. 
Finally I've asked how much of the settlement has been paid out, and how many parties have been reimbursed? Again, no answer. 
I am writing in hopes that you, as the Bureau who came to this settlement, could help your consumers find some transparency with this matter. They should not be allowed to handle their own penalty, with no oversight, and no accountability. 

Thank you ; 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 2023-09-28 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX  I do not have a contract with National Credit Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I first noticed this loan was located on my credit report in XX/XX/2023. I contacted Oppurtunity Financial around that time to send all information but did not receive anything. I contacted them again on XX/XX/2023 & XX/XX/2023 & requesting information concerning this loan. I have yet to receive anything. The loan states it was opened on XXXX/XXXX for {$1700.00}. This is not my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Unlawful sharing of my private information without my consent, with any and all third parties, including but not limited to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: CA

Complaint narrative:
On XX/XX/2023 I sent Experian a dispute letter because they are reporting a few of my accounts inaccurately. I requested in my letter that the incorrect late payments be removed from my credit report. They did not investigate my dispute and never removed the incorrect information. I verified with the other bureaus, XXXX and XXXX and both are not reporting these accounts late. I am trying to understand why Experian is not reporting accurately if they are all the same accounts from the same creditor. They are clearly breaking the law : According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. Misleading False Reporting : These accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Having this inaccurate information reporting on my credit report has been detrimental to my credit health and it is not fair that they are allowed to falsely report on consumer credit reports. I have attached copies of each account from Experian and XXXX as proof of inaccurate reporting. XXXX Credit Bureau is reporting all accounts current with ZERO late payments. Please hold Experian Credit Bureau accountable for their false reporting.

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 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have had an account with American Express for 40 years. In XXXX I had major health problems and was hospitalized majority of year. I had 3 payments returned but immediate corrected with another payment method. I stayed in constant touch with them thru the entire ordeal and was complimented on staying on top of everything with my hospitalization. Even got a letter saying they would not raise my rates under the circumstances. Then out of nowhere months later I get email saying both my accounts have been closed due returned payment. I called and they gave me run around and said nothing can be done. I did email my complaint to Amex ceo as well. After 40 years I cant believe Im being treated like this. I would like my accounts reinstated. I am current on my bill and under my credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I send dispute letters to XXXX XXXX XXXX to dispute on my credit report not able to workmate get other credit to live they mess up by life

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In my prior complaint number XXXX was compounded by fraudulently calls from a collection department where TD BANK FRAUD REP RECOMMENDED I see the bank manager XXXX and bring in my XXXX acct info to show that account wasnt fraudulent activity on my part. XXXX was in training net with her jr manager and complaint of fraud XXXX XXXX XXXX XXXX  back and BRANCH KEY CARDS REVERSING FRAUDS CREDIT and then BACKDATING their general ledger to read as ALL PRIVISIONAL CREDITS HAD NE IN A NEGATIVE FIGURE SO THEY COULD HIT ME WITH OVER {$800.00} in overdraft fees when account was closed when account was at {$2.00} in the positive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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:
I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act convergent the accounts 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only Equifax ) Acct # : XXXX XXXX ( charge off ) Acct # : XXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution

Company response to consumer: Closed with non-monetary relief