vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: OK

Complaint narrative:
MOHELA does not attend to the issue I am having regarding employment history. I already told them that I am serving with the 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. But MOHELA still states that I was employed with the XXXX  from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which is not correct. 

My contract and orders already display my application acceptance date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and expected contract length date. I do not know what else I need to provide for supporting documentation. They may visit in-person at XXXX XXXX and check documentation with my Chain of Command if necessary. 

*** Student loan is from XXXX XXXX XXXX XXXX. It was not an option on the School menu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: WI

Complaint narrative:
I have tried three times to pay my federal student loan payment through aidvantage. My first attempt was XX/XX/XXXX for {$150.00}, my second was XX/XX/XXXX for {$320.00} ( now double due to the first not going through ), and my third was today ( XX/XX/XXXX for {$320.00} ). Everytime I try to make a payment it tells me that my payment went through -- however when I go on their website later it says there was a " payment reversal '' and that it did not go through. There was no more information as to why it was reversed, and I was not notified either time that my payments were reversed ( I was only notified via email that they went through ). My account now says that I have late payments due, despite receiving emails to the contrary. Both times I have had the full payment ready in my bank account ( there is no chance it was reversed due to missing funds ), and upon asking my bank they claimed that aidvantage never attempted to take the money from my account in the first place. I checked my banking information on the aidvantage website and it is all correct. I have attempted to reach out to aidvantage regarding this via the email they provide, but I have yet to hear back with answers. I am currently unable to make payments for an unknown reason, but am still being marked for nonpayment despite these attempts to pay.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE DELETE FROM MY CREDIT REPORT

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I experienced identity theft, and I am reiterating my request for the removal of the inquiry from my credit file, stemming from an alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any items no later than 4 business days after XX/XX/XXXX. I have previously addressed this inquiry in a prior communication, and I am restating it here, accompanied by my new FTC report XXXX XXXXXXXX : -- -- -- -EQUIFAX XXXX XXXX XXXXXXXX Additionally, the details provided regarding this inquiry are UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about its accuracy. This correspondence serves as notification that failure to REMOVE the specified inquiry from my report will prompt legal action. I have informed my attorney of my intentions, and they are prepared to ensure accountability for willful noncompliance. Consider this as your FINAL WARNING. Please proceed to REMOVE the INQUIRY resulting from alleged identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery has called me a numerous amount of times since XX/XX/. One of the times they called around that date I told them hey Im at work. Ill give you guys a call when I can talk. Please dont call me I will call you. They attempted to repeatedly call me from different numbers every day since then. All throughout the day they have called me. Their behavior constitutes harassment. A violation of 15 USC 1692d. Im demanding a settlement of XXXX $ from your company or I am looking to pursue litigation. I am XXXX XXXX and my primary source of communication with my customers is through my phone. when you guys repeatedly call me your company is disrupting my business of service & impacting my ability to make money. If you need to contact me please email me ONLY at XXXX You have 7 days to respond to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — USDA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Alabama Housing Finance Authority
State: AR

Complaint narrative:
I called XXXX ( who is my mortgage company ) about a payment that was reported as late. I had made this payment on the XX/XX/year>. But the payment was reversed on XX/XX/year> ( XXXX  never notified me that the payment had been reversed but it I checked my account on the XXXX and it had shown the payment was not processed yet ) due to unauthorized transactions being made from my bank account. When I called the customer service representative took forever to find the payment dates and could not even tell me why the payment was reversed I eventually had to find out myself by going through my transactions and finding out that there were at least 10 unauthorized transactions from my bank account with XXXX XXXX XXXX. While on the phone with the XXXX representative I asked if it was possible to have this late payment reversed to which she told me that I would need a statement from my bank saying that the transaction was reversed in error I then asked her how I would go about it if I couldnt get the information from the bank and she simply stated that they couldnt do anything without that statement which is absolutely ridiculous. I called XXXX and started a dispute to which I still have not heard back from. The dispute number is XXXXXXXX XXXX does not offer any payments plans to help with struggling people and yet I have always found a way to make my payments before the 30 day mark, they reported the payment late and then sent me emails and gave me a pop up message that I would get when I logged into my account basically threatening me with debt collection. This mortgage company does not make any attempt to contact you or reach out to you if a payment doesnt post to your account or if it is reversed and they make A LOT of mistakes when it comes to credit reporting a quick XXXX XXXX and youll see the XXXX star rating and the many reviews of people that they have XXXX  over because of their incompetence. I want to have the late payment removed from my credit report because I attempted to pay the payment and I did my part in attempting to reach out to XXXX  and my bank to make everything right. I even told the representative on the phone that I couldve easily made this payment if I had even been aware of it that I had the excess funds to pay the payment twice that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have been a USAA member since XXXX. I left USAA a couple years ago for failure to stay current with banking standards, and their antiquated online bill pay. 

XX/XX/XXXX I had a long conversations with a USAA customer service rep inquiring if USAA had improved and made current practice their antiquated on line bill pay platform. 

I was assured changes had been made and I would successful paying my merchants and bills without problems. 

Unfortunately, USAA continues with their same antiquated platform of sending checks through the XXXX. THE XXXX that rarely to never delivers mail on time! 

My payments delieverd via XXXX have never been paid by selected delivery date. I started sending payment XXXX weeks early. And still, payments are not received by due date. 

At the top of every paper check is a message : PLEASE DIRECT ANY QUESTIONS TO ( XXXX ) XXXX THE ONLIE BILL PAYMENT PROCESSING CENTER to ask WHY ARE THIS BILLS NOT PAID EFT?? 

After 3 months, I to date, have not received an appropriate update to my bill pay profile. BUT here 's what I know : USAA XXXX XXXX hired, XXXX, a global XXXX and payment company, to operate and pay USAA members bills online. 

I have called since XXXX complaining that my bill payments are NOT being posted by bill due date, generating unreasonable loan interest payments to XXXX XXXX XXXX XXXX, instead of applying towards principal. 

My complaint had been escalated to an Account Manager so many times, with each committed to investigating via a 'case review to XXXX XXXX to 'approve XXXX payments instead of draft checks '. 

XXXX months later and multiple complaints to USAA Account XXXX and the problem is still NOT resolved. XXXX has confirmed the problem is USAA. USAA keeps insisting its XXXX. I personally don't care which is responsible, but it's XXXX, ALL these bill payments should be XXXX and NOT XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I bought airline tickets using XXXX, on XX/XX/, my daughter and I missed the flight due to XXXX XXXX long waiting line and not enough employees working during checkin, we checked in night before online, where at checkin at the airport XXXX hours before our flight only to drop off our luggage. Due to airline cancelation waiting line at checkin made us miss the flight. We try to take the next flight, airline did not give us any support, despite it was the airline fault. We were left at the airport without any help. I've been requesting a refund without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: MOHELA
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to urgently bring to your attention a significant issue I have been facing with my student loans serviced by Mohela. 

I initially filed for the XXXX XXXX plan and was subsequently transitioned to the XXXX plan. Following my first payment in XX/XX/XXXX, I encountered an unexpected problem. XXXX of my XXXX loans were randomly switched to the " XXXX '' plan without my authorization or clear communication from MOHELA. The lack of notice became apparent when my XXXX bill suddenly reflected a monthly payment XXXX times greater than the payment in XXXX. 

Despite multiple attempts to resolve the issue by contacting MOHELA, the situation persists. During each call, I am transferred " up the ladder '' to various supervisors, enduring hold times often exceeding XXXX hour. None of the MOHELA representatives I spoke with could explain how or why the error occurred in transitioning XXXX of my loans to the " LEVEL '' plan, and the matter was not corrected during the call. In XXXX, the proposed solution was to place my loans into a processing forbearance until XX/XX/XXXX, with the assurance that this would allow ample time for investigation and correction. However, the processing forbearance has just expired, and unfortunately, nothing has been corrected. 

Additionally, every attempt to speak with someone who has the authority to correct the issue has been thwarted. Despite being told I am being transferred to a supervisor during each phone correspondence, I end up on hold with the automated system disconnecting my call while waiting to speak to a supervisor. Regrettably, I have neither received a callback nor been provided with a direct means to contact a supervisor. Consequently, I must call back, reiterate my situation, be transferred multiple times, only to face disconnection again, resulting in hours wasted. 

Thank you for your time and assistance. I sincerely hope for a prompt resolution and look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-02-01 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent a XXXX XXXX for credit card bonuses I received as points, valued arbitrarily at {$700.00}, even though I have no idea how they landed at that number

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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have searched the phone number XXXX online and it was called a scam number ; therefore, I don not wait the phone of this number. Since this mediation program seems to relate with the mortgage and, as I wrote in the previous letter, I do not have any property, I do not need this process.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
This is my formal notice of dispute for this item that is not 100 % accurate and also is incomplete. My information has been misused and has led to these items appearing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card They close my card with out telling me they was closing it. I have had Discover Card from XXXX XXXX XXXX 
I never had late payments or never overcharged! They have my email and would send me alerts, if there was any alerts to my credit. 
I get a email saying my alerts are turned off. ( Why is this ). I call card service and ask them what is going on. Told me they sent letter that I need to use card or they close it. I did not get any letter in mail. Why did they not email me telling me this? I would of used card to keep it open. Told me card is closed can not open it back up I would have to get a new one. This is not right! 
They are more then willing to let you know if you don't make a payment!

Company response to consumer: Closed with explanation