vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My Federal Loans are serviced by Aidvantage. I applied for the XXXX plan for the first time in late XX/XX/2023, and never received a response about a new payment amount. In fact, I have never received an explanation as to why my current payment ( which is now {$400.00} higher than before COVID ) is the amount that it is. I applied for the XXXX plan a second time in XXXX, with the same result. I recently applied for the XXXX plan a third time a few days ago and I'm waiting for a response. I was forced to pay {$1100.00} towards my student loan today, with no reasoning or calculation. I paid this amount only to avoid delinquency and cause further delay to my XXXX application ( s ). Our family is now experiencing financial hardship because of this incompetence, and lack of preparedness by Aidvantage. It is clear they are overwhelmed with applications, lack appropriate staff, and have no means to provide online answers to Borrowers. I am extremely frustrated and praying this is fixed before the next payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Requested original signature on invoice, serveral times, from 1. XXXX XXXX  XXXX, reported XXXX {$1900.00}, and 2. Zion Debt Holdings, reported XXXX {$1900.00}. To see if this debt was my debt. Who will pay a bill without a receipt or invoice have not received anything at this time. 
When I reach out to them conversation start out good then when I asked for documents with my signature and date the become aggressive and anger. Telling me I need to pay this amount I disputed this with XXXX, XX/XX/, my dispute was denied each collections. These account are ( old. ) I asked XXXX why was my dispute was denied they said the collections agency said the debt was my debt, I asked did they send original documents of any kind, XXXX said NO!, they never request and documents from a collection agency These collections agencies and credit bureau are not verifying just reporting info This info is not on my XXXX credit report XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection. The information on this collection account is extremely false and fraudulent. It states a date of service of XX/XX/XXXX with an innacurate service address. The apartment I reside at was yet to be built in XXXX. The account now states that it was in collection on XX/XX/XXXX. This original creditor has tried to open a collection in my account in the past which I also disputed and was taken off my credit report and is now reopening a collection under a different agency. 
This is against the Consumer Financial protection bureau and this collection agency is violating the Debt collection practices. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this collection account from my credit report if it is found to be inaccurate. 

I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. Sincerely,

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 2023-10-13 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: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
Date of fraud was XX/XX/XXXX. It is for a loan from Citizens/XXXX XXXXXXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed my bank account negative XXXX dollars I went to the bank and asked why and they said there was a XXXX dollar 3rd party check cashed on XX/XX/XXXX. I told the bank I did not cash any check and I made a police report the bank is saying that the signature looks like mine when it Cleary does not look like my signature. Wells Fargo is declining to pay me back my money

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 monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX my Company is XXXX XXXX XXXX the Bank Im making a complaint against is Bank of America. I have been a Member since XXXX  and recently started getting charges and no action or help in return remedy to take off the charge and stop these companies from having access to my bank account. Regardless of the proof I continually sent BofA they let XXXX XXXX XXXX, XXXX XXXX, and numerous others take over XXXX dollars out of my account and all the money I have deposited and no matter how many times I made them aware of these transactions and how fraudulent they were they still kept them processing my money and wouldnt let me have any Protection from illegal transactions. This is why no one Trusts any Banks or institutions anymore! They let the fraudulent transactions happen and then make the consumer pay for it and then treat us like a thief instead of a victim. Im done with this nonsense and I demand my Checking Account be reinstated immediately and reimbursed for over XXXX dollars of the fraudulent charges I have filed against but found no remedy only discrimination. Please CFPB I need your assistance in this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have not been to any hospital and they are charging me endless amounts of money that I have nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-13 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: CO

Complaint narrative:
I have filed several complaints CERTIFIED LETTER and they still refuse to remove inquiries NOT AUTHORIZED/FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CO

Complaint narrative:
I have filed several complaints CERTIFIED LETTER and they still refuse to remove inquiries NOT AUTHORIZED/FRAUDULENT

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 2023-10-13 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: EdFinancial Services
State: CT

Complaint narrative:
On XX/XX/XXXX, I submitted a payment totaling {$13000.00} to Edfinancial Services, the total amount of my loan. They emailed me to confirm the payment was made ( confirmation code XXXX ). On the morning of XX/XX/XXXX, they emailed me saying I " received a new message regarding your Edfinancial Services student loans '', but no message could be found on my account. I noticed a " Payment Reversal '' of the total {$13000.00} I had payed on XX/XX/XXXX, which it said occurred on XX/XX/XXXX. I attempted to call the company multiple times, but after waiting for over an hour, I could not connect with a representative, and selected an option that would have a representative call me back. I never received a call back. I attempted to email them, but this required an account number, which was not stated on the website. I checked with my bank to see if a payment was requested from Edfinancial Services on XX/XX/XXXX, and they stated that there was never any pending transaction with Edfinancial Services. Edfinancial Services also resumed accumulating interest on my account. Finally, on XX/XX/XXXX, I attempted a second payment, which they also confirmed via email ( confirmation code XXXX ). This payment totaled {$13000.00}, a higher amount since Edfinancial Services resumed interest on my account. However, I do not know what will happen, and I fear there is no one at Edfinancial Services who can assure me this payment will go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Every single month we have to call Newrez numerous times to allocate our payments correctly because each time, they do not apply our payments and we are almost late due to them putting all of our payment into principal only, thereby leaving the payment due for the month unpaid. We have to sit on the phone for hours ( while trying to work our jobs ) to get them to apply the payments correctly. I have repeatedly requested I have the ability to apply my payments how I want them ( correctly ) via their online portal, but to date they have refused to allow any consumer to allocate their own money. This is an ongoing problem that Newrez has failed to resolve. We did not choose them ; Newrez was acquired by XXXX, whom we never had any problems with. Now we have to constantly worry about taking many hours out of our time at our jobs to call them and that our credit will be ruined because they are inept and refuse to do a thing about this. None of my ( nor anyone else 's, as MANY complaints exist on this company ) complaints about this have ever been addressed successfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My Experian credit report states that XXXX is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which XXXX is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with XXXX and Experian. XXXX stated in an email to me that it submitted a request to Experian to remove the comment on XX/XX/XXXX, and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with Experian directly to no avail. 

I previously filed a complaint against XXXX and Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX, concerning this issue. The complaint number was XXXX. I also previously filed a complaint against XXXX with the XXXX XXXX XXXX. XXXX responded to my complaint with the XXXX XXXX XXXX on XX/XX/XXXX. That response indicated that a request was submitted to Experian on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against XXXX and Experian with the Consumer Financial Protection Bureau because the comment was removed from my Experian credit report ( for a time ). However, I accessed my Experian credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my Experian credit report directly from Experian itself, rather than a third-party app such as XXXX XXXX . I would like this comment removed from my Experian 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 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Unfairly after a month of a dispute asked to pick back the temporary credit in full during a time of hardship over a false transaction I didn't even authorize. The person who put in the dispute was disrespectful and filled out the dispute without me even answering most of the dispute questions. I asked for a rebuttal and a reach out and instead they close the rebuttal and hour not even giving any time to look over any documents or verify anything. If it was that easy to get information from the merchant to resolve this I wouldn't be going through them to dispute so one or both them are lying and being uncooperative. Everyone that I talk to has been rude incompetent, emotionally disconnected going off of a script. I have been lied to hung up on and given false promises over and over again with lack of anyone else taking responsibility on their end. Business just want to get over and I feel that I am being taken advantage because I don't have reputation and I rather not make this a legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights.

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late.

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system.

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter.

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.

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 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
On XX/XX/2023, I viewed my XXXX credit report. There was an negative credit report showing an account from Bonneville Collections. I sent them the attached file requesting debt validation on XX/XX/2023 and have a return receipt confirming receipt of XX/XX/2023. They never responded to my request for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP, Diverified Adjustment and XXXXXXXX XXXX XXXX are attempting to collect debt that I dont owe to them. I sent a. Identity theft report and still no response. Ive asked to send me proof of debt like a signature or contract that I know they cant proof because I never did business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief