vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I've tried numerous times to pay on my student loan and have been sent back everytime that they successfully took payment, but days later there is a reversal in payment. 
I paid consistently on this loan before 2020 and now they are having reversal. 
I've emailed to them on XX/XX/XXXX and was supposed to hear back by XX/XX/XXXX. 
I'm very frustrated with trying to repay my student loan with Aidvantage. I've seen numerous stories from others concerned with them and there reversal practice. 
It appears they just want to dial up interest on loans by denying repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a new checking account as a result of a new account bonus offer, which I accepted. 

Wells Fargo is unfairly engaging in deceptive trade practices and refusing to confirm which bonus criteria I have completed, and which I have not. 

I am unable to complete the bonus requirement in a timely manner if the company will not confirm when I have completed EACH specific term. 

The executive response team has refused and failed to evaluate my account to determine if I have met the direct deposit requirement.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I applied for the PSLF waiver before the deadline in XXXX. I then sent in all of my PSLF documentation. This was eventually processed and my payment counter was updated to well over XXXX eligible payments on my existing consolidation loan, most of which are also qualifying, so I am very close to 10 years of completed payments. Please note that they had a different qualifying payment count on the two parts of my sub/unsub consolidation loan which was incorrect because a sub/unsub consolidation is one loan and the count should have been aligned on both parts. They also had missed a couple of months that should have been added to the count. 

Neither of those two issues matter as much now because I had one loan that had been left out of the consolidation that did not get the full payment count. Therefore, I worked with MOHELA to determine if the same payment counts would apply if I reconsolidated to add the missed loan ( because I had applied for the waiver by the deadline ). I was reassured by multiple people at MOHELA that it would. I also found documentation online that it would. My consolidation was finished in early XX/XX/XXXX. My account now reflects just 5 eligible payments. I have called and messaged MOHELA repeatedly for the past 5+ months only to be ignored or told a different story every time I call. I was told that this fall they would update the counter. Then via messaging they said my issue was resolved ( it is not ). The waiver was already approved and processed previously, so all they have to do is update my payment counter to match what I had before and add the months since consolidation. I have attached the documentation MOHELA previously posted online that indicated if consolidating by the end of XXXX, I would still get the payment count benefit ( 4th bullet point ). I have attached the message from MOHELA just after my consolidation reassuring me that I would get the payment counter update to match what I had before. And I have attached a screen print of what my qualifying payment counter looked like just before that consolidation happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Date : XX/XX/2023 {$14000.00} Received notice in mail of attempt to XXXX bank account. I contacted the company and spoke to XXXX. 
I asked the following questions : What is this judgement for? He said XXXX XXXX XXXX XXXX XXXX What was the original amount? He did not know How can they get a Judgement without notifying me that I was to appear in court? He said I was served. 

When and where was I served? He did not know, he said that information is at the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was repeatedly wrongfully denied a mortgage modification with the only answer being that the investor would not approve the modification. On or about XX/XX/XXXX, I submitted a modification request which was denied by the investor on or about XX/XX/XXXX without a substantive explanation. I requested the investor information but was never provided with the same. On or about XX/XX/XXXX, my request was allegedly reactivated for assistance review but denied on or about XX/XX/XXXX, again by the investor without a substantive explanation. I again requested the investor 's information but was never provided with the same. On or about XX/XX/XXXX, my account was allegedly reactivated for payment assistance options, and a letter of said date mentioning a short-sale option. On or about XX/XX/XXXX, a modification was again denied without any substantive explanation. On or about XX/XX/XXXX, my account was allegedly reactivated for mediation review. Contrary to Wells Fargo 's contentions dated XX/XX/XXXX ( an alleged review that will be provided ), I have always been available by phone and responded to letters. Due to repeated unexplained modification denials and Wells Fargo 's push for a short-sale in lieu of foreclosure, on or about XX/XX/XXXX, I submitted a short-sale request. On or about XX/XX/XXXX, I reinstated my request for a modification but did not receive a response. On or about XX/XX/XXXX but received a denial on or about XX/XX/XXXX alleging an NPV valuation which likely occurred due to Wells Fargo 's more than 7 years of wrongful denials. On or about XX/XX/XXXX, I appealed the denial. I again requested a modification. Without explanation, on or about XX/XX/XXXX my file was removed from review. On or about XX/XX/XXXX, my account was again in review for a short-sale. On or about XX/XX/XXXX, my file was removed from review. On or about XX/XX/XXXX my account was activated for short-sale review ; on or about XX/XX/XXXX a short-sale was conditionally approved ; on XX/XX/XXXX the short-sale was consummated. Notwithstanding Wells Fargo 's recent review of the aforementioned denials, they have failed to provide a single credible explanation for any of the denial was never given ; my repeated requests to speak with the investor was never granted ; my repeated requests for a payment assistance option to maintain ownership of the premises via a modification which I was repeatedly wrongfully and improperly denied without any tenable explanation. As a result, I am hereby requesting a monetary mediation settlement which fairly compensates me for the undue loss of the premises due to Wells Fargo 's wrongful denials.

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 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made with XXXX XXXX XXXX  The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Inaccurate Address )

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 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with XXXX XXXX XXXX The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Inaccurate Address )

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 2023-11-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Credit Card Balance {$250.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Commercial Installment Loan Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Collection Agency Attorney Balance {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Factoring Company Account Balance {$950.00} have violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act, This account : XXXX XXXX XXXX # XXXX {$720.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter from Chase Card Services saying that I was denied for an credit card account, which I never applied for. I have contacted my credit reporting agency and waiting to hear from Chase Bank on the fraud/ identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a collection letter from Transworld Systems , Inc alleging that I owe a debt to XXXX in the amount of {$60.00}. I immediately wrote a letter to Transworld to dispute the debt as " not mine '' and asked for proof that I owe this alleged debt. I have yet to receive any response to my request. I did contact XXXX and it appears that they made a mistake and billed the incorrect person. XXXX has corrected their error, however Transworld Systems , Inc. refuses to remove the fraudulent account from collection even though there is nothing to collect. I have filed complaints with the Texas Attorney General as well as with the XXXX. Upon searching this company online, there have been a multitude of people that have experienced similar situations as mine. This is a fraudulent collection account that never should have been placed for collection to begin with because it belongs to another person- not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I had a credit card from XXXXOLLO CARD SERVICES on or around XX/XX/XXXX or XX/XX/XXXX I tried to use my credit card and it said it was macked out. I called the Ollo bank customer service number and the woman said I went over my credit limit. When I asked how she said someone used your card to purchase a bunch of online games for XXXX or XXXX. I told her it wasn't me and that my XXXX XXXX XXXX son must have used my card and I DID NOT authorize them charges. She said it didn't matter that I had to pay for the charges anyways. So I closed this account. 
I recently received notice from ny state attorney generals office that this is illegal to charge me for UNAUTHORIZED charges to a persons credit card. They did say that the call was being recorded so if they listen to the recording from these 2 dates you can here the woman stating that I'm reliable. 
Which by ny state law I was not responsible.

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 2023-11-10 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: AZ

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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights XXXX 

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 2023-11-10 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: NJ

Complaint narrative:
I did not authorize the following inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I received Citizens Bank Credit Card XXXX in XXXX. It had a charge of {$270.00} to XXXX XXXX XXXX in XXXX, Ma. It had the same address as the XXXX XXXX charge I made a complaint about. I did not make that charge. I did not lose my Citizens Credit Card. I called Citizens and they said they would investigate.On XX/XX/XXXX I received a letter from Citizens that said they concluded no error occurred and the transaction was authorized. I am XXXX XXXX XXXX. I have no idea where that restaurant is. It must be about the chip. What kind of protection can I expect? 


























as in the other complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: 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: PA

Complaint narrative:
I received a gift card on XX/XX/23 in the amount of {$200.00}. When it was first attempted to use the card online at XXXX it was declined. I later learned, after I checked the card balance online, that the funds on the card had already been spent on XX/XX/23 at XXXX  even though neither my Wife and I had used the card. 

I called the support line on the back of the card ( XXXX ) for assistance and I was told to submit a claim and the company would look into it. I submitted a copy of the receipt, a copy of my license, and a picture ( front & back ) of the gift card in my email to XXXX with XXXX # XXXX on XX/XX/23. 

I called the support number again today XX/XX/23 and they informed me they never received the documents and to email them again. I had them confirm the email address again and they stated the exact same email address I had previously sent the information too, XXXX. 

With my new suspicion, I did some quick digging on the internet ( XXXX XXXX XXXX, etc ) and found what looked like hundreds of cases of other people complaining about the same issue of receiving VanillaGift.com Gift cards with the funds already gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it 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 explanation