vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the post office to XXXX XXXX XXXX # XXXX XXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the hospital for XXXX weeks ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXX MPs and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX  XXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXX bank did not contact me to open an account.

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 2024-02-24 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX XXXX : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-02-24 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: PA

Complaint narrative:
I pay my monthly balance, {$150.00}, to Aidvantage each month. The first few months of my payments in XXXX, XXXX, and XXXX of XXXX were made without problem. However, starting in XXXX of XXXX, I had a problem with my payment. I made my payment as normal and received email confirmation. Everything was fine to my knowledge. However, when I went to pay my statement in XX/XX/XXXX, I saw that I had a past due balance of {$150.00}. This did not make sense to me, as I had paid and received email confirmation. Upon further searching on the website, the payment history showed a " payment reversal. '' I never requested a payment reversal. Looking at my bank account history, there was never an attempt to charge me for that payment. I assumed it was a fluke, and paid for both months. However, I then got an email later in XXXX that alerted me that I was behind on my payments. The Aidvantage website showed payment reversals for those additional payments. My bank account is the same from when I initially made successful payments in XXXX, and my I have sufficient funds. Reaching out to Aidvantage is fruitless, as their online chat option is either unavailable or unable to solve the problem. Calling leads to one being on hold for over an hour. My online research has revealed that this is a problem for countless others. I do not want to accrue any additional interest or risk this impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: RI

Complaint narrative:
XXXX is been reporting an inquiry with XXXX XXXX XXXX dated XX/XX/year>. I had not authorized this company to do any credit check or even have any personal business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMCB CARD Account type - Credit card Date Opened - XX/XX/2014 Above Account created under JPMCB CARD without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Debt collector keeps calling me even though debt is more than 7 years old and is written off, they have been asked multiple times to not contact me by phone but they are calling frequently including on evenings

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX XXXX : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
XXXX XXXX is reporting a business account to my personal credit report while reporting inaccurate information regarding the terms of agreement and the balance my request to have this inaccurate information removed from my credit report is a violation of my Rights according to the FCRA. this account was paid off by my business insurance and the company continued to charge me interest and continues to report the balance and late payments to me reports causing me issues with improving and utilizing my credit. Section 623 of the FCRA states that a furnisur must not furnish inaccurate consumer to the fcra and that furnishers must investigate the furnished information. 
it also states that a creditor must noe report a balance after beinf told the balance is incorrect. my insurance company paid them directly anbd the balance and all the missed payments still show. and experian and equifax still have not removed the account from my reports. My credit is suffering because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
I submitted a deferment request to Sallie mae multiple times and they never processed my request. I returned to school fulltime in XXXX and XXXX XXXX and keep submitting request and received apporval and then the next month the request went away and payments were requested again. I have submitted XXXX more deferement request in XXXX that have went unnoticed and no response. Sallie mae has proceeed to call me multiple times a day with harassment phone calls all hours of the day starting at XXXX even on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email requesting {$20000.00} for a debt I did not know with this company. I NEVER received a statement from this company. 

On XX/XX/XXXX, I sent a letter certificate letter to the company asking for a " Verification of the Debt. I stated that I was invoking my rights under the FDCPA and any other applicable state laws as well. A request is hereby made that suspend all collection activities and that the agency provide me with clear and convincing evidence that I have a legal obligation to pay and/or the original creditor for the amount in dispute. 

On XX/XX/XXXX, the letter was delivered and signed. 


The company violated my rights on the following dates : On XX/XX/XXXX and XXXX, XXXX, the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Nelnet is refusing to address my concerns about the full dismissal and refund of all payments made due to me being part of the automatic discharge group in the XXXX v XXXX case. DOE assures me the approval is in and they are working on it, but the zero out and refund has to come from Nelnet, who just received my loan in XX/XX/XXXX from Great Lakes. I have called Nelnet XXXX times to discuss this, and they refuse to allow me to speak to a manager or address my concerns. They also refuse to communicate with the DOE. They refuse to follow up on missing documentation with DOE and they refuse to accept the documentation of my approval of full dismissal and refund ( ie, email from DOE confirming ) directly from me. DOE won't help because they say the servicer is responsible. Meanwhile, I'm getting notices of payment due on a loan that is supposed to be automatically placed in forbearance. 
These loans were to be fully discharged, with refund of all monies paid and removal from my credit report as of XX/XX/XXXX- this was the directive per the class action lawsuit final decision made in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-02-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX  tried to make withdrawal at my bank XXXX XXXX XXXX  = denied multiple times. 
Called several times and spoke to representatives. 
Was told by US Bank ReliaCard representative that my bank withdrew the funds, then put them back! Absolutely false, My band was denied several times! 
Was told that the monies could be transferred Friday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Went to bank, Denied, spent over 3 hours on phone with US bank ReliaCard representatives XXXX XXXX XXXX XXXX XXXX 
I was hung up on twice, then was told that no such transfer was possible? 
After several attempts, was able to withdraw {$1500.00}. 
Can not touch again till Monday as there is a 24 hour limit. 
My bank is not open on XXXX. 
I have been denied over 23 times for funds when the US bank ReliaCard representative states funds are available.

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 2024-02-24 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: CA

Complaint narrative:
Made a honest error for a late payment, it was the first time using credit. Ive be responsible for my credit since.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Made a honest error for a late payment, it was the first time using credit. Ive be responsible for my credit since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: RoundPoint Mortgage Servicing LLC
State: ND

Complaint narrative:
My existing mortgage was sold from XXXX to Rounpoint Mortgage LLC in XX/XX/2024. I was notified by letter in XX/XX/2024 that my fixed rate mortgage payment would increase by $ XXXX due to a shortage in the escrow. My taxes and insurance both increased in the previous year, which left a shortage in my escrow account of {$230.00}. They are requiring me to pay {$2000.00}, and can not explain to me why I have to pay so much more than what the shortage actually is. They said they are sending me a copy of my escrow payments from the previous year and I have not received anything. 
I have read many, many reviews of this company. It is universally regarded as a scam company. Many customers who did not choose them as their mortgage provider, report several instances of Roundpoint taking money from their escrow and not paying their insurance. When trying to contact a representative from Roundpoint, they are met with the same response I received, mainly nothing. Roundpoint routinely says they will get back to them on the matter and nothing comes of it. 
A quick view of the company on XXXX shows fraudulent handling of money, zero customer service. 
I am only one month into dealing with this company, but I am already having problems with their zero customer service, and I would like a hand fixing this before I get to the part where they start mishandling my money. 
In closing, I don't know where they came up with {$2000.00}, and they can't/wo n't explain where they came up with the number

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-02-24 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: AL

Complaint narrative:
I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to XXXX XXXX which means its stopping me for buying a home this matter has been stressful and XXXX I am now homeless and need these inquires off my credit report Inquiries : 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

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 2024-02-24 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: TX

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 2024-02-24 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:
recently i looked at a copy of my credit report and noticed a few inaccuries on my account this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here are the items i am asking you to verify XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief