vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
XX/XX/2022, I recently had to transfer my student loans to a new company called Aidvantage, because XXXX said they will no longer be handling Federal student loan repayments. Ever since I transferred my student Federal loans I've been paying on them Aidvantage has not been putting accurate information on my credit score, they've even increased my loan amount, which caused my credit score to go down. I called Aidvantage to complain about my account having incorrect information reporting to my credit score and everytime I'm waiting to talk to an agent it says my call has been rejected. I've also tried login into my Aidvantage account online and after I enter my correct username and password it still wont show my account information, it just shows a blank screen, and they have not put out system will be down warnings, so it should work. Hopefully the inaccurate student loan information has nothing to do with me recently applying for a house and recently being preapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN DEPT OF EDUCATIONXXXX 90 days late DEPT OF EDUCATIONXXXX 90 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I got notice my credit score dropped. Looking at my report this collection company posted 2 different remarks on my report. I notice the original debtor is a medical facility that I have never been at. Furthermore, I have always had insurance and there would not be a medical debt on my credit report. This is not my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX  account number XXXX, has violated my rights. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was issued a check that was not signed by the issuer, I was told this will need to be reviewed before they can clear my account. After 7 days, I was told the review processed was over, but they put my account on hold. I needed the fund in that account to close on a Mortgage, I spoke to various people at Chase I was told they needed to speak with the person who issued the check. I provided all the person 's contact information including the phone number listed on the check that was deposited. Chase had told me that they can not use that person 's information because it didnt match their system. The check issuer called and was told her PERSONAL information is not accurate ( she provided all sorts of supporting documents including her license and her correct phone number that she has been using for well over 20 years ). I escalated this issue and spoke with XXXX XXXX ( Supervisor ) from the Chase Fraud department was very unhelpful. He hung up on me after asking to speak with his superior. I am at risk of losing my deposit on this house if i cant close due to insufficient fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/2022, I contacted XXXX XXXX XXXX regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have filed a complaint - XXXX with CFPB The complaint was closed and I commented on it. 

However! Since that time I received an incorrect package on my HAF application from XXXX XXXX XXXX. 

I spoke to them as the financial calculations were incorrect. They told me not to sign it and they would re-do it. That was on XX/XX/XXXX. 

I began this entire process in XX/XX/2022. 

To date I have received no re-working of the HAF funds. Approximately {$35000.00} will bbe given to Chase when this is said and done. However! according to XXXX  XXXX Chase needs to provide info to them. According to Chase, they acknowledge that they are " working on it ''. 

When I ask where the glitch is right now, they can not tell me. XXXX mentioned that they have to ask FHA to accept the new terms- this is the first I've heard that Chase has to " accept '' anything - it is money coming to them by their agreement to participate in the HAF program. 

In the meantime my interest rate at the start of this had been recalculated to 2.2 %- it is now I'm sure well over 5 % - this is not right - this is not my fault. 

I have been with Chase for many years. I've owned my home for over 34 years. I am XXXX XXXX XXXX. 

I deal with a XXXX XXXX at Chase Executive offices. Her phone number is : XXXX. 

The info at XXXX  XXXX is XXXX - I have no name there. 

I desperately need your help. This is just not right that this is happening. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
FRAUDULENT ACCOUNTS!! from identity theft!!!!! 

1. XXXX  XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXXXXXX Account Number XXXX 3. DEPT OF ED/XXXX  Account number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX  Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. 

REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX. XXXX XXXX HAS ALREADY DELETED AND REMOVED THESE ACCOUNTS!!!!! THESE ACCOUNTS SHOULD NOT BE REPORTING TO MY CREDIT REPORT!!!!! IDENTITTY THEFT!!! BLOCK AND REMOVE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL, XXXX And XXXX is showing on my credit report as a collection account. I had these accounts removed a year ago due to Fraud but it is now back on my credit report! I have never had any accounts with this company I do not know what this is for! I already called this company a year ago and advised them that this is FRAUD! It was removed but now they are reporting it again! THIS IS FRAUD I DONT USE CREDIT CARDS! My Credit is perfect NO LATES OR DELINQUENCY EVER! Please remove from my Credit Report! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian advertising a false birthday year concerning my credit report, example ( XXXX ) but My year of birth is XXXX which is false advertising information concerning ( FCRA ) which is Unfair as a creditor.

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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Back in XXXX / XXXX. Someone took out phones in my name with XXXX and XXXX. I alerted the police during that time, disputed the accounts, and put fraud protection on my account. I have only have a phone with XXXX and any accounts I have are all in good standing. 

Those accounts were investigating and removed and I see recently the companies to to be under a different account and back on 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
Consumer complaint received 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
I started the process of purchasing a vehicle through carvana. At the end of the process a hard inquiry was taken from my credit report which I expected. Before the process was completed I decided to choose another vehicle which happened to also be cheaper. Upon changing the vehicle selection carvana initiated another credit inquiry process crashing my XXXX score XXXX points more than doubling my interest rate to over 20 % and then requiring over {$1000.00} additional to my already {$8000.00} down payment. After trying to resolve the issue it took two weeks of calling everyday being told the initial rate would be honored before I reached an actual underwriter. Carvana then refused to honor my hard credit pull stating that by selecting a new vehicle the process requires another credit inquiry regardless of how much time has passed since the initial inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Aside from being very poorly treated during my stay, In XXXX oXXXX XXXX  my apartment unit at XXXX at XXXX XXXX flooded due to a dishwasher line busting that I was told I was not liable for. No one inspected the apartment after the flooding mold started arising in all areas of the unit. Sewer water was left sitting in my dishwasher that smelled terrible. A company was called out to dry the unit with big fans, they arrived hours later and unfortunately water had already been absorbed into the floor. The vinyl floor began lifting in result to the flooding and this was something that the apartment were well aware of. 
I reached out numerous times in regards to the move out balance they claimed I left owing them more money after keeping the entire deposit. They also claimed I owed a balance at move out which I did not. I paid every cent I owed to them once the keys had been turned in. I asked for details and specifics on the poorly created invoice that was sent and received no phone call back. I also sent a detailed email in regards but No response from cooperate or the office manager falsifying these charges. I hired a legal shield representative that sent out letters to the apartment complex and no responses were ever received back. Now I am seeing the placed it on my credit report as well as to other places such as the housing authorities and this is not accurate or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the day! "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In acordance with the Fair Credit reporting act XXXX account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.

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 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
On XX/XX/2022, I contacted Halsted Financial Services regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has used my personal information to open and established fraudulent accounts in my name, I was in the military in 2009 came home late XXXX and XXXXXXXX XXXX XXXX  this is where it started they used my information to open accounts, I never open an account in 2009, I have been going through this mediation process over 5 years and still finding out that the wells Fargo rep that worked in the XXXX branch in ga used my personal information to commit identity fraud, trying to open insurance account, and other accounts, I have recently got a mediation form filled it out sent it back, I spoke with this claims rep in the mediation program I dont appreciate being antagonized on the phone, this has damaged my credit, and Im having someone to try to file taxes in my name I want this resolved, Im being trying to get this resolved but this guy XXXX doesnt want to realize what this has done to me, Im not going to deal with anymore I want someone to get in touch with me so I can resolve this before I take legal action, I know my options, I gave this claims rep XXXX settlement offer if XXXX plus Wells Fargo pay the taxes, now its a even XXXX or Im going to hire this attorney, Im tired of having the finger pointed back at me, now resolve this before I hire this attorney, I have a witness that heard claims rep XXXX say that their were other accounts open in my name but decided to change his story, wellfargo had leaked my information on the dark web, and I have spent countless hours calling credit bureaus, XXXX, XXXX, XXXX, Im tired of it, now resolve this have someone reach out to me before I file a law suit, Wells Fargo has done enough damage,

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