vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.

Complaint narrative:
CFPB, I'm writing to you today, in regards to my student loans, including misinformation, mishandling, and misleading of the situation from my loan provider, Aidvantage. In XXXX, I paid off my full student loans, {$16000.00} from XXXX XXXX. When the XXXX student refund relief came around, about XXXX time, where it was meant to help with those affected by covid without expecting reinstatement of student loans, my wife and I assessed our situation, in XXXX, after being affected by covid and decided the refund would help in many towards the current events at hand. We had talked to the DOE, XXXX, and after being transferred to them, Aidvantage, between XXXX and XXXX. All of them told me the loans weren't to be paid back as this was to help towards covid relief. Through the whole time dealing with AidVantage, not once had they managed to tell me the loans would be reinstated and they had constantly led me to believe the student loan refund was a refund with no reinstatement, even after I asked multiple times if it would have to be paid back. After about a year of enquiring about the refund, we had received it, in XXXX, i believe around XXXX time, and after paying towards the intended expenses, we had gotten a letter, in XXXX XXXX, stating that my student loans had been reinstated. When initially enquiring about the refund, I was reassured that they wouldn't have to be paid back or reinstated and there was never any notice of a change in the refund act. I've talked to the department of education, ombudsman, my loan provider, and none of them are helping me. They've only told me at first it wasn't supposed to be paid back, but then it changed, and this was after we had gotten the refund and paid our expenses. We now have a 9 month old child, we pay a mortgage, we want to go through XXXX a second time for our XXXX  child and we have the loans on hold for under a year while trying to figure out how we won't struggle under these loans, but we cant find any viable solution. I'm messaging under the situation that the proper questions were asked multiple times, and multiple times, Aidvantage had told me the loans wouldn't have to be paid back, but after receiving the refund and paying for expenses, Aidvantage went against what they originally told me and reinstated the loans, without warning, a letter, or information about it during any other calls, while I was calloing to process the refund with Aidvantage. Is there any way my student loans can be forgiven. I've tried every other solution and looked at financial plans we can do, and none of them seem like they'll work. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear National Grid ; National Recovery Agency ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a 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 2024-07-19 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: DC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I already have a payment set up for my past due amount to be paid and I keep receiving over XXXX calls a day from this debt collector. They leave very scary and threatening voicemails and when I try to call back and tell them I have a payment set up already the number doesnt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal charged me a {$41.00} late fee. I have been a customer for years, have always paid on time, and have never had a large amount of outstanding debt with them. I have always paid on time and I promptly paid shortly after I saw the fee. This was entirely unnecessary.

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 2024-07-19 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: DC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am part of the Borrow Defense against XXXX XXXX XXXX. The federal government has ordered all of my federal loans associated with the school to be discharged. Recently, this has been extended to private loans due to pressure from private corps. I called Navient to start this process and they refused to help me because I refinanced through a different company 2 years ago. I was forced to refinance due to the outrageous interest rates they were charging me and would not help me refinance with Navient. I believe that they have an obligation to pay the current holder of the private loans that they sold me in the first place. The fact that they no longer service them should not impact the obligation to discharge the debt. The federal government has already ruled the XXXX XXXX XXXX was predatory and my federal loans have already been discharged. By making me pay my other holder, they are forcing me to pay back the predatory loans that were fraudulently obtained by a for-profit institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
The company mailed me a letter stating. 

After reviewing your correspondence, we are unable to process your request because we were unable to determine the nature of your request or your request was illegible.

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 2024-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Account Servicing, LLC
State: TX

Complaint narrative:
Dear Team, I hope this message finds you well. I am urgently reaching out regarding a distressing situation involving an online coaching program offered by XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ), specifically their course titled XXXX XXXX XXXX XXXX XXXX XXXX, which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only three days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXX XXXX  XXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party Universal Account Servicing , LLC, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community.

Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) accountable for their practices. Assistance in navigating this matter and protecting my family from further harm is crucial. 

Additionally, ongoing health challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: TX

Complaint narrative:
I was sent a text stating a fraud alert from a company charging my Card in the amount of {$96.00} on XX/XX/XXXX they informed me my card was blocked yet. The payment went through XX/XX/XXXX then I was notified that they first charged it on XX/XX/XXXX. I did a dispute and they took it off both charges, I looked at my statement today and they put it back on because they said that it was denied. I have asked him three times to cancel my card and they have not done that when they first notified me after saying they blocked it that they were gon na send me a new card which I have not gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
Loan was sold to Essex Mortgage for servicing according to notice received from XXXX XXXX. Essex has no records of my loan. I received email from XXXX XXXX  that my online account was set up. I have never heard of XXXX but somehow they have my loan now. I dont know who to make payments to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
I am a XXXX  XXXX  XXXX, a form of XXXX XXXX where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists XXXX XXXX XXXX. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with XXXX  experiences upon the submission of an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Greetings, Thank you for your timely response to my debt validation letter regarding for account ending in XXXX. I accept your dishonor and return it for back for value. Under FDCPA 15 USC 1692g All debts must be validated through a signed oath, affirmation or affidavit under penalty of perjury. You have failed to do the above and you have no claim aganist me. As stated in the previous letter Capital One alleged claim will not be considered if any portion of this Debt Collector Disclosure Statement is not completed and timely returned with all required documents.

You have failed to do none of the above and your claim is null and void ab intio. I do not owe any debt to Capital One. If you can prove this I kindly request that you provide an affidavit sworn under penalty of perjury from an authorized agent or party with first hand knowledge of this. I also demand that you provide evidence that I made payments on this account, and I used the account to purchase goods and serivces via an affidavit sworn under penalty of perjury from an authorized agent or party with first hand knowledge of this. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - A copy of a consumer contract is not evidence of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NJ

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: VT

Complaint narrative:
They contacted my dad and my sister multiple times stating they are XXXX and need to talk to me about the debt. I did not provide them their contact information. They asked them not to call and theyre still calling them. I am working on one of the loans through consolidation already through spite recovery solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I got a call from Goodyear Tire Store XXXX XXXX XXXX, AZ. They wanted to set up a time to install new tires that were charged to my now closed Goodyear credit card. The Goodyear Credit Plan is through Citibank. I contacted XXXX XXXX of the store and explained that the charges were fraudulent and I did not order tires. I filed a fraud report with the Goodyear Credit Card for charges made on XX/XX/XXXX {$470.00}, XX/XX/XXXX {$510.00}, XX/XX/XXXX {$1100.00}. I got a response dated XX/XX/XXXX stating that Goodyear was looking into the disputed charges. I filed an identity theft report with the XXXX XXXX XXXX California XXXX Police Department regarding the unauthorized charges. I closed the Goodyear Credit Card account on XX/XX/XXXX. I got a letter delivered electronically dated XX/XX/XXXX from Goodyear indicating that they didn't have enough information to resolve the dispute and I needed to pay the charges. When I got a notice my payment was due I realized the letter was in my online account messages. On XX/XX/XXXX I called the phone number on the letter asking where I could send a letter requesting additional information. I send a letter that same day requesting the following : copies of the receipts for each charge including store number, address and phone number ; the specific tires purchased, signature of the person purchasing the tires ; copies of the service work order with information about the date and time of installing the tires ; the make, model license plate and VIN number of the vehicles on which the tires were installed and copies of their investigation documentation. I noted I planned on submitting the information to the Police Department to aid in the identity theft investigation. On XX/XX/XXXX I received a form letter stating that I am responsible for the charges on my account. None of the information I requested was provided. I still don't even know what tires were purchased.

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 2024-07-19 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: PA

Complaint narrative:
In violation of 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. In violation violation of 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In violation of 15 USC 1681 ( 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. In violation of 15 USC 1681 section 602 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, states that consumer reporting agencies ( CRAs ) must respect a consumer 's right to privacy. The section also requires CRAs to act fairly and impartially, and to adopt reasonable procedures that ensure the confidentiality, accuracy, and proper use of consumer 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 2024-07-19 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: IA

Complaint narrative:
I am writing to follow up on a dispute I previously submitted concerning several inaccuracies on my credit report. Despite my earlier communication, these issues remain unresolved and continue to negatively impact my credit scores.

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