vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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: GA

Complaint narrative:
My student loan payment was due on XX/XX/XXXX, and I made all necessary updates to my Advantage account to allow the payment to be drafted from my checking account on that date. I received an email on XX/XX/XXXX that my payment had been posted. I then receive an email on the XXXX that my student loan payment was past due. I logged into my Aidvantage account and see on the transaction history that a payment was received, then was reversed. I received no notification from Aidvantage or my bank that the payment had been reversed and Aidvantage 's website provided no explanation why. I had even submitted documentation before the XXXX to make sure my married name was on my Aidvantage account to match my bank account. I tried contacting Aidvantage through the chat on their site and just received a notification that they had too much volume and the chat would automatically close. I tried several times. I called them and went through the auto attendant trying to get to real person and had to give up after being on hold for half an hour. I contacted my bank and they said that no attempts had even been made on my account for that amount, and that any reversals would show. I confirmed that I had entered the correct bank account and routing number as well, but Aidvantage had not even tried to pull the money from my account. So now they are saying I am " past due '' and that I owe double my monthly payment now. I have resubmitted the payment on Aidvantage 's website but have zero faith it will actually go through. There are numerous reports on XXXX that others have experienced this exact same thing, where Aidvantage either consistently " reverses '' their payments or straight up will not allow them to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CFompany keeps sending monthly statement, which doesnt validate the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MO

Complaint narrative:
Transunion is still showing XXXXXXXX XXXX  on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also

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 2023-10-23 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: MO

Complaint narrative:
Transunion is still showing XXXXXXXX XXXX on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also

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 2023-10-23 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: FL

Complaint narrative:
i sent transunion a letter disputing the accuracy and completeness of the accounts and they has failed to validate the inaccurate information on my credit report. I am requesting deletion of the inaccurate and incomplete accounts from my credit report within 14 days of them receiving my complaint. They has cause me stress and loss of work because i keep getting denied for things that reporting on my credit. i have attach a copy of the letter below for your reference. 
XXXX XXXX XXXX has 2 different balances and missing data making it inaccurate on both credit bureau- Transunion and XXXX- please delete 15 usc 1681e ( b )

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal hired XXXX XXXX XXXX XXXX XXXX to collect a written off debt that was discharge under 48 stat. 162, 31 CFR 363.144.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received two AMEX virtual gift cards in XXXX, XXXX  each in the amount of {$200.00} and have made several attempts to use them for online purchases. Since none of them would go through and all were declined, I called the customer service department of AMEX at # XXXX for help. I was told that both of the cards had sufficient funds on them and that there were no problems with the cards. When I asked for physical cards to be sent to me instead, I was told that they could not do that. When I asked what other remedy I had, they stated that I just had to keep looking for merchants who would approve the transactions. When I asked to speak to a supervisor, I was transferred to XXXX. She explained that there was nothing they could do, that I had to continue trying to use the cards online, and that they MAY go through, and that they MAY NOT. The reason given has always been that they have added an extra layer of protection and that is why the transactions are being declined, but they do not have any remedy in place for those virtual cards that do not work anywhere, even though they claim they work everywhere AMEX gift cards are taken. XXXX also stated that I could go into physical locations to use the virtual gift cards, but no one will take them because they would have to " key in '' the card number - there is no bar code to scan. So, they take the money, place it on a virtual card, and then the money is unable to be used anywhere -- and their customer service is of no help because they just tell you that there is nothing that they can do. It would be great if they could issue physical cards, but they refuse to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America sent a prepaid XXXX card describing a refund from XXXX XXXX XXXX. There was no information about how much was on the card and there was a number to call to get a check issued instead. When i checked the card online, it said it was closed. When I called the phone number to get a check issued, I have been transferred all over and now i am being told that their systems are down? 

These cards are a total scam and should be stopped. The fees to even check the balance are listed. 

Bank of America should be stopped from issuing these.

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 2023-10-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MO

Complaint narrative:
I have been lied to several times about why my acct has a {$0.00} balance again, they gave the fees back to me, ( {$88.00} ) then took it back away from me 3 days later, when i called several times to ask why, they tell me that XXXX took it back out of my acct, i called XXXX more than once & they tell me they cant & dont do that,,, i want to know who is lying to me??? is this legal to treat elderly this way????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There is information on my credit report that is not mine. It is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my second time writing you to update my personal info 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I purchased two gift cards to make an online purchase on XXXX. The cards will not work. Called customer service which directed me to call the number on the back of the card, which is an automated call and basically directs me to try the card somewhere else. I purchased these cards specifically for this purchase and would like my money back. I called XXXX and they said the payment keeps getting rejected for some reason, I also tried through XXXX with the same result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TransferWise Ltd

Complaint narrative:
Wise bank have closed my account down and I've had benefits money going in from XXXX  and wise have said I can't have it so appealled over my bank being closed and submitted a refund and they sent me an email this morning saying my bank is staying closed so I phoned them and ask them to transfer the money in my account into my dads and they said they won't be able to do that for me as they have closed my account and that they are keeping my XXXX  benefits money and that I need to make a complaint with yourselfs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am seeking a Release of Mortgage. 

I have a XXXX old second mortgage made through XXXX XXXX XXXX XXXX It was my understanding through numerous discussions with XXXX  XXXX XXXX that this loan was bailed-out during the mortgage crisis beginning in 2008. Subsequent phone calls to XXXX legal dept, I was told it was " written off. '' I made a previous complaint through this application to XXXX  XXXX XXXX to provide information about this second mortgage. Through this CFPB process, XXXX  XXXX XXXX provided that they had service-released this mortgage to Carrington Mortgage . 

Carrington Mortgage stated on the phone during conference calls on XXXX different occasions- with XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, that the did NOT have this second mortgage, never had this loan, have no information on this loan.. 

I can not find a way to solve this XXXX problem. This old second mortgage is still on my official records of XXXX XXXX, Florida. It has not been assigned, it has not been transferred through MERS, it does not show up on my credit report ( never has ). 

I want to get this mortgage released off my record. I need to see if XXXX can help me. They provided a Satisfaction of Mortgage a couple of years ago when I paid off my first mortgage. 

I am a XXXX yr old woman who has serious health problems. I want to get this resolved so this mortgage disaster caused by XXXX et al, does not pass through to my kids. They don't have the legal, real estate and mortgage education and background that I have. I want to solve this problem before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete following items on my file. The items I need deleted are listed in the report. I am a victum to identity theft and I did not make this charge. I ask that these items to be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also enclosed copies of Federal Trades Commision Theft Affidavit. Please delete the items as soon as possible

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 2023-10-23 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: OH

Complaint narrative:
I have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
XXXX is still showing Alloy financial on my credit report its been on my report for XXXX plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also

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 2023-10-23 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have two issues. The first issue is with a claim/dispute against XXXX XXXX for {$190.00}. I am being ignored despite providing proof that the service was done incorrectly. I had to have the service done over twice and even some auto repairs after XXXX XXXX finished their coolant flush. And I have the consumer affairs attorney sending them notices to give me a refund. Chase Bank has lied to me about trying to assist me from the customer service level to the executive level. I want this situation resolved. 

The second issue is that my debit card was marked as fraud ( not by me ) yesterday and I am unable to add my card to XXXX XXXX. I talked to six reps and one person even hung up on me. The Chase Bank has been tampering with my debit card to prevent me from using it when I travel and basic cardless atm functions are disabled. This is a scam artist bank with disrespectful employees all the way up to leadership. I kept trying to add my card and was told verification was required to add the card to XXXX XXXX. No one would verify my card. These monsters are completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-23 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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