vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: IL

Complaint narrative:
I recently contacted Aidvantage about my loan and income driven payment plan renewal. 

I processed my request via an aidvantage rep and through the studentloans.gov portal. 

I have only received one correspondence that shows the information about my most recent request. However, it was an email and not the confirmation of repayment. 

Subsequently, Aidvantage has generated payment information that does not correlate to my new Income driven payment plan. The reps are rude, unknowledgeable, and don't even bother to validate account information, neither look it up. The reps on the phone are trained to give a script, but not review actual information. This is creating undue harship for me because I need the new income Driven Payment plan information generated so I can refinance my mortgage. This has been a nightmare and literally like talking to a brick wall dealing with Aidvantage reps. There are no supervisors or live reps that have the wherewithal to handle complex situations outside of their scripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never applied for a XXXX XXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX  as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXX XXXX XXXX I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX  ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I never applied for a XXXX XXXXXXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXXXXXX XXXX XXXX. I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.

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 2022-12-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I made a complaint against Experian because they failed to take out incorrect information on my credit report. You told them to to investigate. They said they did and found the information provided by collection agency is correct. However the information I received from collection agency is of different person. I contacted Experian to send me a copy of the information they got they refused. Now I am requesting that you review the information yourself and make a decision.

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 2022-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I was approved for 18 months of assistance from the homeowners assistance fund. Payment has been sent to M & T bank but not posted to my account. Payment was sent to M & T on XX/XX/2022 by Florida 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 2022-12-27 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: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-12-27 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: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of XXXX hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve 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 non-monetary relief
Consumer complaint received 2022-12-27 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: IL

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-12-27 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: IL

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. 

XXXX 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 XXXXXXXX has violated my rights. 

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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
In mid XXXX, I asked my loan servicing company, Loancare  to please help me as I could not make the complete mortgage payments due to XXXX and a reduction of income and pension. Since XXXX, the mortgage company has had us in a spiral process of requesting many pieces of documentation to support an application for modification of the loan. Upon not hearing about any final decision from the servicer Loancare for a modification request, whether they would or would not modify my loan, I hired XXXX XXXX XXXX XXXX ( an attorney ) in XX/XX/XXXX to assist me with a modification request and representation. It is now XX/XX/XXXX and Loancare  has still not returned a modification response. I have recovered my income from self-employment and my company from which I retired reinstated my pension award as of XX/XX/XXXX. I would like to make a payment agreement with my mortgager but they DO NOT respond to the attorney nor myself. All they continue to do is say that documentation provided in the past has expired and to resent documentation. The documentation has expired because they continue to let time elapse and do not respond to modification requests. Now our home has fallen into the foreclosure process. We really wish to not lose our home. We need Loancare to respond by making a payment agreement or modification agreement so that we can resume payments.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I applied for a line of credit on XX/XX/22 and was approved for {$1500.00}, which resulted in a hard inquiry on my credit report. I was told I could expect my card within 7-10 business days ( by XX/XX/22 ). 

I contacted the company to follow up after two weeks and was told they simply can't issue and manufacture cards. They have no idea when the card will be available to me, despite my application approval. I submitted an inquiry and received no follow up or communication. 

It's been a month now and there is still no estimated deadline for issuing a credit card. 

I have received a hard inquiry on my score for a line of credit I have no access to, or no promise of access to. It's incredibly unethical to accept applications and pull credit for cards and funds this company has no intention of providing.

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 2022-12-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a member with XXXX since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve 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 2022-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo initially set up my account that was a custodial account incorrectly. After being given all the legal documentation as to what type of account shouldve been opened, they opened the wrong one. Also, they took XXXX of my money and transferred it into a portfolio for stocks. They told me this would be the best way to go to earn more money on the money that you have. So I did that, and I lost {$5000.00} because of it when I asked for them to take out that money and put it back in the main account. It took them days to do so. They left it in there as long as they could. The name of the manager at the time who did this it was the XXXX XXXX, Florida location and his name was XXXX. He is no longer with the company, not sure why? However, he gave me that advice The entire time in which I thought was good advice due to me, not knowing any different. This was my first time having this type of account. And again he was given all the legal documentation that came from the judge that indicated what type of account to open. So Im sure there was more than XXXX lost but that is what I can remember. And I feel like because he gave me bad advice thats the reason I lost {$5000.00} and the bank should be responsible for giving that back to me. Or need, I say, put it back in the XXXX account where it was taken from.

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 2022-12-27 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: VA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called Capital One on XX/XX/22 at XXXX am. I spoke with a person named XXXX who transferred me to a specialist by the name of XXXX employee # XXXX. During the call I asked XXXX if she was familiar with negotiable instruments. XXXX replied that she was not familiar with it and that she could not look it up and/or receive emails from me to send her the definition of negotiable instrument. I proceeded to give XXXX the definition and ask her if she was familiar with any Uniform Commercialized codes in particular UCC 3-603b, at which time she informed me that she wasn't. I then read UCC 3-603 b to XXXX to make sure that she was aware of what UCC 3-603 b sites. I informed XXXX that the wrong amount was credited to my account and ask if she would be crediting my account for the full amount, at which time XXXX read part of the provision that was written on the negotiable instrument and informed me that she could only credit my account for {$1.00}. I then asked, to be clear, you are in fact telling me that you will not be following the law and actually crediting my account and discharging it for being paid in full at this time? XXXX informed me that she would not be crediting my account and discharging it for being paid in full in the amount of {$2600.00} but only for {$1.00}. The call was ended at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have two unrecognizable inquiries from XXXX XXXX XXXX  business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.

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 2022-12-27 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: AL

Complaint narrative:
I have two unrecognizable inquiries from XXXX XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I went to XXXX XXXX and bought a used XXXX XXXXXXXX. Walking into the facility, I was already approved by XXXX for an auto loan. All I had to do was get the total estimate and they would write the check and one day ship it to the dealership. When I was sitting in the seat, I got a notification and it said my credit had been ran. I asked the XXXX XXXX about it and he said oh we run it one time just incase your check doesnt go through.After a couple of weeks, I receive a letter in the mail from XXXX XXXX XXXX saying I was denied a loan from the dealership when I was never financing through them and had a loan. And then I had 2 hard inquiries 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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I dispute a charge for XXXX dollars because the salon ruined my hair and they didn't advertise no refund and refuse to return my money I sent chime bank All the information and evidence needed and several times I rebuttal my dispute and they never used the information I gave them and I was denied every time

Company response to consumer: Closed with explanation