vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
The company is Aidvantage, which services federal student loans. 

Aidvantage has ignored my IDR income recertification application ( in which I simultaneously documented my income and also requested to switch to a different IDR plan ). They are sending bills as if I never recertified.

I submitted the IDR recertification of income application before the XX/XX/XXXX deadline. It would have been on XX/XX/XXXX or before. They said they received it in a message dated on XX/XX/XXXX, ( " Weve received your repayment plan application. " ). I recertified using the XXXX website, which is where that application is located. As part of the application process, to document income as required, I uploaded my most recent tax return ( for the XXXX tax year ; the XX/XX/XXXX tax return for XXXX was less than 12 months old at the time of the XX/XX/XXXX IDR recertification application ). The tax return was a 6-page PDF document, possibly named " XXXX [ a number which I redacted in case it's personal info ] .pdf ''. I uploaded that as part of the process at the XXXX website. ( For unknown reasons, the website did not give me the more-convenient option to automatically transfer data from the IRS as it had in the past, so I had to upload the XXXX XXXX PDF of the tax return for tax year XXXX. ) On the XXXX website, the recertification application is the same as the application for IDR. During the process, I asked to be switched to the SAVE plan, because it has lower monthly repayments. ( I understand that it is on hold due to a court order, but my understanding is that I could be placed in a forbearance until the court case was resolved. ) Aidvantage is sending me me bills as if I never recertified my IDR plan. They did not process the recertification application in which I documented my income and also at the same time asked to be switched to the SAVE plan from my current IDR plan. The amount of the bills they are sending me is as if I am not on any IDR plan. They did not send any information indicating that they had either accepted or rejected my IDR recertification / plan-switch request. They sent a document saying that they had received the application before the deadline, but they completely ignored it ; they did not process it.

If they can not process my recertification / plan-switch application in a timely fashion, I would appreciate it if they would put me into an administrative forbearance until such time that they are able to process the application, which I submitted before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/year>

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 2025-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
in accordance with the fair credit reporting act this creditor Capital one- XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 Section 602 States that I have the right to privacy. Under 15 U.S. Code 1681 Section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666 ( B ) a creditor may not treat a payment on a credit card account under and open consumer credit plan as late for any purpose. 


I am reporting this on behalf of being an authorized user on the account, I have received permission to submit this complaint by the account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a victim of fraud and my accounts and personal information were used against me and my bank account with Wells Fargo leaving me with a high negative balance of over {$4000.00}. Most of information was stolen and used against my will. I reach out to the fraud department and claims, they said they can not help me, but theyre closing my account and they reversed the money taken into my account which leaves me at a negative balance on my account that they are closing. They said, they can not help me with a scam unfortunately.

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 2025-02-27 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: FL

Complaint narrative:
I was in XXXX XXXX and there was a non chase ATM charge of XXXX. They refused to investigate it and I suggested to get the ATM video and they said I needed a subpoena and also asked me for proof it was fraudulent but obviously I wouldn't have proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was trying to Zelle an important payment to someone that provided me services. I was told the Zelle did not go through 3 times. After getting off the phone with the representative the XXXX payment was not there, nor was there any information on where it went. To make matters worse the Zelle representative for my bank institution had my account locked. I had to call off work XXXX XXXX XXXX hours to a bank closest to me that I was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX *Account Number : 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 2025-02-27 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Within the last 30 days I have deposited XXXXXXXX XXXX XXXX  for XXXX and some odd cents which came to me via mail by my local housing authority. I make this deposit every month around the same time. Also I just recently moved to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and was also sent a refund check for my security deposit in the amount of XXXX. I was able to use my cards and see my accounts up until XXXX days after I deposited the second check, was told I needed to verify myself which I did. Then I was told that I needed to verify the check. What I was confused about was the fact that partial of the check was made available within XXXX hours and then the remainder was available within XXXX hours. So I wanted to know from the bank how was the check not verified after XXXX hours if they made the funds available. I could not get a straight forward answer they continuously told me they did not know and couldnt tell me much because my account is restricted. I never was given a reason as to why my account was restricted. When I opened the mobile app it stated I needed to be verified. I asked to have them to send my funds via mail to my current address if my account was being closed or if they would release the funds from the check so I could take my check elsewhere they stated they could not do either of those things. Im okay with the account being closed I just want the funds that I am owed.

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 2025-02-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Greetings, I am in a perpetual Customer Service XXXX XXXX XXXX with this company. In XXXX I was the recepient of numerous Gift Cards ( Virtual ) from this company which were a part of a class actions settlement payout. 

I received emails for each and every one of these payouts which ranged from {$1.00} to {$36.00}. Many of them exactly one of those XXXX amounts. 

At a certain point, XXXX stopped or blocked me from redeeming these virtual gift cards regardless of the denomination. It's now gotten to the point where the expiration dates for all of these cards has passed and I now can not even use them as their customer service loop has never ended, making for them all expired. 

I have a list of each and every one of the virtual gift cards by the following data Card Number - Expiration Date - CVV and Balance It's a total of {$14000.00} by my count. 

At this point given the lack or disappearance of their customer service I am now asking for help here. 

Many times I have merely asked for them to be reissued virtually, however given the inability to do so by this company, I would like the total amount to be issued as one check or one physical gift card to me by certified mail. HELP. 

Upon request I will gladly provide the card info previously referenced. Additionally I do have each of the emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2024 posted to my account on XX/XX/2024 I got charged a {$4.00} fee for using the ATM. I have been with Navy Federal Credit Union for years and when I first decided to switch all my money to this banking institution I was told I would never get charged an ATM fee with my account I got. Well on this day the first time ever using an ATM because the place I had ordered food didn't have the credit card machine working so I needed cash, I got hit with a total ATM fee of {$4.00}. I tried to contact Navy Federal about this fee but now they are telling me I don't got the correct account for the free ATM fees to be waived so there nothing they would do for me, even after telling them when I first signed up to join their bank in person I was told I would never have to worry about this because the first few times a month all ATM fees are waived, but now after getting hit with the fees they tell me it not their fault it mine because I picked the wrong accounts even though I listen to their banks rep 's when joining their bank on which accounts to choose. I included a statement showing I got charged {$1.00} from XXXX bank and {$3.00} from the other for a {$40.00} take out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
I am writing to formally acknowledge and correct an inaccuracy in the XXXX XXXX ( XXXX ). Upon review, I have identified that has inaccurate information was incorrect. 
The accurate information should be as follows : Please remove all fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I moved out of the country and set up autopayment to pay for my Chase credit card annual fee via my Chase checking account to keep it open and valid. The payment is made in XXXX each year. It had been working for years but somehow the payment of XX/XX/year> did not go through due to some kind of system failure so the collection team made a request to close my account. I didn't realize until recently and I've been discussing the issue with the company 's various departments and personnel. They all said what's done is done and there is nothing they can do to reinstate the account and retrieve my reward points. 

My argument is that I understand their policy and fully agree if it were under normal condition or due to my person overlook ( for example I turned off the auto payment or did not put enough money my checking account ). However, what really happened was the system failed to pay and it's the root cause. It was not my fault and I should not bear the consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Randomly charged my account numerous times for fees that went set up when opening account and closed my account afterwards and claimed it as 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-27 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: PA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that appear in my credit report. I did not authorize these inquiries and they are the result of a database and identity theft. I respectfully request that these inquiries be removed from my credit report. 
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 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 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