vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
I worked for a 501c3 company from XX/XX/XXXX to XXXX : The XXXX XXXX XXXX XXXX, federal XXXX : XXXX. The school has been closed for several years. You can XXXX IRS documents that this school should qualify for these dates for XXXX. 

This school is currently identified as ineligible for all dates, even for when it was open. 

I have tried to submit complaints about this to XXXX and they just close the ticket after XXXX business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: KS

Complaint narrative:
I was in a post XXXX  XXXX program and Aidvantage restarted their repayment programs secondary to the end of the XXXX  emergency. For some reason they decided that I needed to repay although I was still in school through XX/XX/XXXX. I called and told them this and they said not all my loans were in deferment ( which is not true ) and it was my schools fault ( also not true ). I called and made a formal complaint via email. I received a less than helpful response today stating that customer service was looking into this matter. Not only was I in school in XXXX, I am now in a XXXX XXXX  with XXXX XXXX and again, should not have to pay anything on my loans. I received a second email today stating that I was late on my loan payment. This is absolutely absurd. I called customer service this evening and sat on hold for over an hour until their offices closed. No one ever answered the phone. The malpractice and misleading practices are absolutely not okay. Even if I was not back in school I have a 6 month grace period where I do not have to pay. This is now showing as delinquent on my account and they do report to credit beaus. The lack of response needs to be dealt with and this servicer needs to be told that they can not service student loans in this matter. I need this fixed and I am sure I am not alone with this difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-17 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: PA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-18 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: MD

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: AR

Complaint narrative:
I requested debt validation XX/XX/. I received a copy of a bill dated XX/XX/ which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I requested debt validation XXXXXXXX I received a copy of a bill dated XX/XX/ which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: AR

Complaint narrative:
I requested debt validation XX/XX/XXXX I received a copy of a bill dated XX/XX/XXXX  which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had issued a check to my Citizens Bank account which ended up bouncing due to issues with my employers bank account. Fast forward a week, i put another check in my account and instead of putting the check in my account they froze it. Turned my card off and locked me out of my money. Without a phone call, email or any other type of communication. The check cleared and was in my account but not available. It had also been removed from my employers account. They have since told me they can not release my check until a week from now for whatever reason. I also am unable to check my account to see the balance. Cant use my card to buy anything. They have also decided that on the XXXX they are going to close my account of 10 years for reasons I am unsure of. I took what I had in my account out but am waiting for them to take my check off hold and take it out too. Never experienced such bad banking in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: DISCOVER BANK
State: AR

Complaint narrative:
I requested debt validation XX/XX/22. I received a copy of a bill dated XX/XX/22 which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 capitol one took {$610.00} out of my checking account without authorizing it with me first. I had auto payments turned off, yet they took out the money anyways. I called Capitol one the same day as the money was taken out, and capitol one told me that i only turned off payments for XXXX month not a series of auto pay payments. So i filed a dispute with my bank and it was denied because capitol one told my bank ( first merchants ) i did Not call in time for the dispute to be approved, when i called capitol one the same exact day it was taken out. I had {$5.00} in my checking account i would not have approved a payment of {$610.00}. It left me negative for a week, adding more and more over draft fees. Now the dispute as also denied and capitol one is not refunding me my money they took without me approving it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I started receiving harassing calls regarding a payday loan I never applied for or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: GA

Complaint narrative:
The actions that were taken was notifying XXXX and Equifax with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX  ) and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote XXXX and Equifax numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from XXXX and Equifax. Second step, I have reached out to XXXX  XXXX ( CEO ) of Equifax and the Ceo of XXXX concerning my issues with each company and their process of handling my situation. I reached out to XXXX and Equifax again and the same thing, it's been verified. XXXX and Equifax informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of XXXX and Equifax. As a veteran and XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, my wallet was stolen and cause all these issues in my life and XXXX and Equifax has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from XXXX and Equifax, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( XXXX and Equifax ). I hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NV

Complaint narrative:
In accordance with tge fair credit reporting act. This creditor XXXX XXXX has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Charging me interest rates and fees to a card I don't have

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 2023-10-17 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: IL

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am writing to express my deep concern about your failure to comply with the direct dispute provisions of the Fair Credit Reporting Act ( FCRA ). This company is reporting incorrect information. I think the amount they report and collect is wrong. I asked them to investigate and rectify but nothing, the latest report says that I am on charge off the month I pay.

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 2023-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
My information was shared with out my permission or signature over a debt that was not mines. I asked them to please cease and desist all calls and contact with me immediately, and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I originally set up a CD account at XXXX XXXX. It was sold to Axos in late XXXX  's. Since then it has been dormant, probably because they have an old address. I simply want to take the account out of dormant status, and update the address. I have used the chat function, and called three times now. I sent requested documentation three times now to XXXX. Everytime I call, I have to start from scratch, and no one actually does anything. In our final attempt, my husband called. They verified 4 pieces of information and kept him waiting on hold for XXXX minutes. Then the representative came back on the line and said he wouldn't speak to him any more. I don't know if this is just bad customer service, or if they are playing games with us. I don't even want to make a withdrawal. I simply want to ensure the account is not escheated to the State. Please see attached documents for my correspondence with Axos. Note : I am attaching ALL REQUESTED documents. Please do not ask for them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: MD

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 me as late.

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 2023-10-17 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: American First Finance, Inc.
State: NV

Complaint narrative:
In accordance with tge fair credit reporting act. This creditor American Finance has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: DE

Complaint narrative:
I have called repeatedly about my loan payoff since XXXX. XXXX # XXXX. I got a payoff balance which I immediately paid electronically. Then sent paperwork. Received another bill, called and they said they never received my paperwork and now there was {$49.00} due. Spoke with a nice lady who told me to just email my paperwork in to expedite since there was an error. I immediately made the {$49.00} payment electronically and sent in the paperwork via email as requested. I called a week after and spoke to a woman who said the paperwork was received and I should receive my title in 2-3 weeks. My registration expires at the end of XXXX and I have an offer to sell the car and just need the title. I decided to be patient and wait the 2-3 weeks. 4 weeks later I get a bill for {$0.00} in the mail which is odd because the loan is paid off so I call and a woman puts me on hold and then disconnects me. I call back only to have someone tell me that I should have made the payment via certified check and mailed the paperwork. I said they were trying to expedite since this has been going on since XXXX. She said basically I didnt follow procedure even though I did what the previous agent told me and that my payment didnt count but they would try to make an exception but it will take 4 days and another 7-10 to mail. This means I cant sell my car by the end of XXXX. I have leased cars for years and never dealt with this level of disregard for customers. Its truly astounding that you can pay off a car in XXXX and not get sent your title for almost 3 months. Thank goodness I didnt need to sell my car right away because I would be in a really bad spot. US Bank should be ashamed of themselves.

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