vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Severe Negative Impact on Credit Score due to Federal Student Loans I am writing to file a formal complaint regarding a significant issue that has severely impacted my credit score due to federal student loans. I believe that this situation is unjust and requires immediate attention to rectify the damage caused to my credit profile. 
Federal student loans, managed by authorized student loan service providers selected by the federal government, should not negatively affect credit scores. However, since the disbursement of my first federal student loans by the Department of Education-selected student loan service provider XXXX XXXX XXXX XXXX XXXX " XXXX '' ), followed by Department of Education-selected student loan service provider Aidvantage, my credit score has plummeted by over XXXX points. This decline in my credit score not only undermines my financial stability and ability to navigate in this country but also hampers my prospects for obtaining non-governmental federal loans at low interest rates which represent my previously long held excellent credit score critical to my financial well-being, security and furthering my education. 
The service loan providers involved in this matter are as follows : Service Loan Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Service Loan Provider : DEPT OF ED/AIDVANTAGE Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX I understand that federal student loans are meant to support students ' education and financial well-being. However, the unintended consequence of negatively impacting my credit score severely undermines the purpose of these loans and puts undue financial stress on individuals like me. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action to rectify the damage done to my credit score due to federal student loans. It is essential that corrective measures are taken to prevent this issue from affecting other individuals who rely on federal student loans to pursue higher education. 

I appreciate your attention to this matter and your dedication to consumer protection. Please keep me informed about the progress of this complaint and any actions taken to address the issue. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Last year I called Bank of American to apply for a credit card to make a balance transfer on another credit card. The bank representative told me he recommended adding a new credit line on a credit card I already had. He told me I would be a new credit line and I wouldn't be charged interest. I noticed they have been charging me interest on new purchases I've made since last year after he told me I wouldn't be charged interest until the year 2024. I explained the misunderstanding to the bank but they refuse to take action and fix things.

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 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
They are taking 2 very large payments automatically from my checking account that I was NOT told they would do and are charging outrageous fees I was not informed of. The only fee I was informed of was a 10 % payment once a month. I would have NEVER accepted this loan under these terms!! I now can not pay my other bills and am going to close my checking account so they can no longer have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer from the PNC app for {$38000.00}. I submitted the transfer request. The bank accepted the transfer request and notified me funds would be available at the other institution on XXXX XXXX. 

However, for an unknown reason, PNC put a hold a block on that transfer ; and never notified me. No text, no email, no phone call. Nothing. It was only today when I checked my balance in the app I discovered PNC had blocked my transfer request ; costing me and my business valuable time, and money. 

When I telephoned them to request a wire transfer be done because I needed the funds to arrive by XXXX XXXX, I was told that any fees involved in creating wires would not be lifted ; that in effect, I had to pay for their error. 

I had truly hoped PNC would become the bank of choice for me and my business, but I will not do business with a bank who si cavalierly disregards the wishes and its clients ; and fails to notify them when they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
As of today, XX/XX/XXXX, there has not been any resolution to our payment issue. Another copy of the cancelled check was provided to Specialized Loan Services per their request and there is still nothing being done. They have reversed every payment now that we have ever made resulting in a past due status on our account. They have also caused my credit score to drop XXXX points in XXXX due to them reporting us opening a new account with them on XX/XX/XXXX and then closing it the very same day?? We need some direction on how to proceed and if we need to seek legal advice for our protection. This company has very little regard for their customers and I believe what they are doing to us is borderline criminal. 

The payment they are withholding from our account is in the amount of {$22000.00}. It was cashed and posted by SLS on XX/XX/XXXX and applied to our account. The check was then reversed by them on XX/XX/XXXX without explanation. 

Thank you for your assistance.

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 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I received a call on .y work number from. An XXXX who bullied a rep to transfer her to me. I am not allowed personal calls at work. I have never heard of Sentry Credit Inc. I have no business to my knowledge with them. The rep XXXX didn't want to respect my request to not contact me at work. She continued to try to keep me on the phone. I advised XXXX I had no clue who she was & my work number can not be called. The number she called from is XXXX. This company can cost me my job by calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding your company 's practices, which appear to be in direct violation of 15 USC 1666b, a crucial consumer protection law. This statute aims to safeguard consumers by ensuring transparent and fair business dealings. It is disappointing to observe that your company 's actions do not align with the provisions of this law. Specifically, the law mandates clear and accurate disclosure of terms, fees, and other relevant information pertaining to consumer transactions. It is disheartening to note that your company has failed to adhere to these principles, thus potentially subjecting consumers to unfair and deceptive practices. I kindly demand that your company takes immediate corrective action to ensure compliance with 15 USC 1666b. Failure to do so would leave me no choice but to explore legal avenues to address this matter, which could include initiating litigation against your company. I hope we can resolve this matter promptly and amicably, upholding the rights and protection of consumers as intended by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: MD

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-08-30 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: TX

Complaint narrative:
I have made multiple attempts with the Fraudulent Company as well as EXPERIAN to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from EXPERIAN. EXPERIAN IS Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX EXPERIAN XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN XXXX HAS NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. XXXX, AND XXXX HAVE HONORED AND REMOVED THE ENTRY FROM MY CONSUMER REPORT. Further, Here is PROOF FROM THE SECRETARY OF THE STATE OF TEXAS. THERE IS NO LIEN OR LOAN IN MY NAME THAT I OWE ANYONE!!!! THIS PROVES THAT OFFICE ATTY GENERAL XXXX IS REPORTING FRAUDULENT, INACCCURATE INFORMATION!!!! I HAVE DISPUTED THIS FACT MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN REFUSES TO REMOVE THIS ACCOUNT. THERE FORE THEY ARE GUILTY OF A COUP WITH THE OFFICE ATTY GENERAL XXXX. I WANT THIS ACCOUNT REMOVED IMMEDIATELY. I WANT {$5000.00} IN DAMAGES FROM EXPERIAN FOR WILLFUL NON COMPLIANCE.

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 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is completely inaccurate. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
To Whom It XXXX Concern, I am writing to dispute a charge on my Barclays credit card for a rental car from Enterprise. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. 
I called XXXX the day the car displayed brakes needed to be checked and to stop driving. The manager said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. 
I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of Barclays for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue. 
Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
XXXX of XXXX I was notified by our Insurance carriers that the mortgage company had not issued payment for renewal of our insurance policies - Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided them with the information I had for our servicing company. I then received a notice in XXXX that policies were cancelled due to lender non payment. I tried calling our lender and was not able to reach anyone to determine what was going on. I was finally able to reach someone that informed me that our loan had been sold back in XXXX of XXXX. I was never informed that the loan had been sold nor had I received any kind of welcome letter or transfer letter of any kind. I then come to find out that our automatic payments also stopped during that time. In XXXX I was finally informed who the new services was and tried several times to log in online as I was unable to reach anyone by phone with no luck as I did not have the new loan number. Today I received a call indicating that all I needed to do was send in my insurance information and payment would be issued. They did not seem to understand the issues that arose from all of this. Automatic payment were not drafted as needed - Insurance was not paid as required - Monthly billing statements were never provided - a notice of transfer of servicing was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
The debt collected called a high school friend in order to confirm my contact number. I am unsure how they got one of my friend 's phone numbers or why they were contacting a friend of mine about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: IL

Complaint narrative:
Re : Experian Credit Bureau - XXXX XXXX Credit Report. 
On Wednesday, XX/XX/, I checked my XXXX XXXX Credit Report to discover Experian has NOT updated my XXXX XXXX XXXX report to reflect my current balances on my credit accounts. Without submitting the account number ( s ). One account in the amount of {$39.00} was paid on Thursday, XX/XX/, the account should relect a {$0.00} balance As of Wednesday, XX/XX/, my account continues to show a balance of {$39.00}. 
On another account, I received a credit limit increase but has not been reflected. 
I attempted to contact an Experian Representative to discuss the issue, but the Experian phone : XXXX XXXX XXXX rang busy 3 times, and I will NOT waste my time calling back. 
Experian has for what ever reason, has NOT updated my XXXX XXXX Credit Report powered by Experian, and I want it Corrected!!!!!!

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 2023-08-30 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: NM

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I purchased a timeshare on XX/XX/2013. I was told that my wife ( back then my fiancee ) needed to sign for emergency contact purposes and if something happened it would be transferable to her without any issues or complications. I was also told the timeshare ( my week ) would be readily available, and that the maintenance fee included the booking fee. When I tried to use the timeshare later on I was told that I had to pay a separate booking fee to go onto an exchange. In addition, the week was not readily available and was taken. In addition during COVID-19, I was required to pay the Maintenance Fee and also during that period we were advised not to travel and the nation was in a pandemic. Furthermore, we then began receiving messages of travel alerts to not go to XXXX because of the drug cartel and danger. Despite all of the above circumstances they closed my account and transferred it over to a debt collection agency. I explained these things to them but they insisted on payments, I contacted the resort and they told me that they would not deal with me any longer and that I have to deal with the debt collection agency. They also recently put the debt on my wife 's credit and it has had a negative impact. I believe I was swindled for a timeshare and misled into signing something that misrepresented the facts and what was told. I tried in good faith to resolve this matter but I see that I am not equipped to deal with this. As an XXXX XXXX XXXX, I was advise by a XXXX XXXX XXXX  to bring this to your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: AL

Complaint narrative:
In XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  begun managing my private student loan from XXXX XXXXMOHELA . The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not one of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation