vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I called Aidvantage on XX/XX/22 to request a payment refund and my loan re-instated ( since it was previously paid-in-full ). I was given a timeframe of XX/XX/22 for the refund request to be approved, my loan account being " revived '', and being able to see my balance updated on my Aidvantage account online. Within 4-6 weeks from XX/XX/22 the balance would be updated on XXXX, would be sent to the Treasury XXXX for a refund, and the Treasury XXXX would send a direct deposit to the account the refunded payment originated from. 

On XX/XX/22 I called Aidvantage and they stated that there is not an approval as of yet. There are also no estimates or timeframes for when this will be approved and the loan re-instated and balance updated on Aidvantage will be done. The rep said it may be another 4-6 weeks to see the balance updated. ( At this point, it is 12 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. Based on the rep 's suggestion, by the time I see the balance updated on Aidvantage 's website it would be 40-54 days past the original estimate of XX/XX/22. ) On XX/XX/22 I called Aidvantage to see if the refund is now approved. The representative stated they actually don't do approvals anymore, and they stopped requiring approvals prior to when I made my original request on XX/XX/22. However, there are not any notes that it is denied or further information is needed. This feedback is different than the feedback I received in the first 2 calls. The rep stated I may see the balance updated by the end of next week, but did clearly point out he was not certain and it may be different. ( At this point, it is 14 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. If the rep 's estimate is accurate, when I see the balance updated on Aidvantage 's website it would be 21 days past the original estimate of XX/XX/22. ) As of today, I am getting conflicting information on if this is sitting somewhere waiting for an approval or not, and different estimates on timeframes. The estimates for just seeing the balance updated on Aidvantage 's website vary wildly and are extremely conflicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company is trying to collect a debt that is not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I contacted my loan company to get a loan and they informed me that there was potential fraud activity on my credit account and they could not pull any information and to call experian so I did and they informed me that there was not a freeze on my account but since the loan company was unable to pull my account I needed to send in a cover letter with name, address, DOB, SSN, as well as a copy of my SSC and driver 's license either by mail or fax.

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
Hello, Since XX/XX/XXXX I have been receiving emails from US BANK ( XXXX so far ) that do not pertain to me. My email address is XXXX. I do not have an account with US Bank since XXXX when I had a mortgage there. 

From the emails I've been receiving it looks like someone is trying to open an account with my email and possibly my name. One email it addressed to XXXX XXXX XXXX. My name is XXXX XXXX XXXX. 

I have called the bank each time I've received an email and have been transferred to the Fraud Dept. XXXX has a different social security number. I was told they may have mixed up our accounts and was given an email to go to and told to write in STOP. My email did not go through. 

I have attached the emails.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Due to XXXX back in XXXX we applied for rental assistance. We were approved & the city of XXXX XXXX Texas paid our rent that was due until the end of our lease which was the end of XX/XX/XXXX. I have provided all this information ( documents ) from the city showing proof that our rent was paid for. XXXX XXXX was the property. Phoenix Recovery Group is the collection agency. After I showed proof to both parties I received a email from XXXX XXXX XXXX from Phoenix Recovery Group stating that they had received a call from XXXX XXXX and they had confirmed that they had received the proof of the rental assistance. But now they charging us XXXX for something else they came up with. This item was just sent to collections this year in XXXX. I believe this to be fraud trying to collect money that was already paid. I've even provided the check number and account number that city gave to give XXXX XXXX Please help me with this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made 1 payment in 4 years .Ive already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
medical debt in the amount of XXXX $ was paid for with promise of removal by ARS Account Resolution Services, XXXX XXXX XXXXXXXX XXXX, FL XXXX Payment Mailing Address : Account Resolution Services, XXXX XXXX XXXX, XXXX, OH XXXX Toll Free Phone : ( XXXX ) XXXX or ( XXXX ) XXXX XXXX has removed it immediately, XXXX and XXXX has NOT. 
this is effecting my my credit dramatically!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 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: OH

Complaint narrative:
I called Aidvantage on XX/XX/22 to request a refund of payments made during the COVID pandemic forbearance period and have used the online chat function a few times to check up on the request. Currently we are over 5 weeks wait and today I was told that " We show that your refund amounts from XXXX are still being researched and totaled. No refund amount has been totaled. '' This means that the company has not yet put forth any effort to being the refund process from the US treasury after more than 5 weeks of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. section604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. section604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On Wed, XX/XX/2022 an unauthorized transfer was made to XXXX XXXX in the amount of {$830.00}. 

I contacted Chime to dispute the transaction and they denied the request to refund my monies. 

My Veteran 's Benefits and account with the XXXX XXXX  and Chime should be FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX of 2022, a balance transfer was completed from XXXX XXXX to Citibank on my behalf. I had the amount of {$3200.00} paid to Citibank from XXXX XXXX. The balance transfer was posted to the Citibank account before the end of the billing cycle. Unfortunately for me, Citibank is charging me {$40.00} dollars in interest on " standard purchases '', yet I haven't purchased anything with the card since the balance transfer, and the card doesn't carry a balance because the balance was paid in full. The card doesn't have an annual or monthly fee, so this amount they are charging me isn't a fee just for having the card. It's literally interest on purchases, which I should not have to pay if I had a {$0.00} balance on the card. I contacted Citibank about this on XXXX and XXXX and both times they refused to work with me in reversing the charge and insist I have to pay the {$40.00} in interest on a {$0.00} balance. I've done balance transfers in the past and never had this problem before, as long as the balance is paid in full before the end of the billing cycle and the account doesn't carry a balance into the new billing cycle. I'm so frustrated with Citibank. Their customer service is awful.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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. 

XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights 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 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 to cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation