vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, yesterday, I noted a email from a collection agency saying I owed money to XXXX! I believe the amount was {$370.00}. 
I told them I have never I used XXXX I use XXXX for many yrs and XXXX XXXX! 
Never XXXX This morning I noted my credit score dropped XXXX points. 
I spoke to XXXX agent who has also started a claim regarding this! 
Please review soon and let me know the results! 
I am XXXX yrs old and I own my own business and have never used XXXX! 
I try very hard to keep a good credit report. 
Thank you for your help in getting this resolved! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: SC

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. 

1, XXXX XXXX Acct # XXXX 2, XXXX XXXX 3, XXXX XXXX 4, XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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 2023-09-20 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: FL

Complaint narrative:
This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to XXXX XXXX totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report 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 2023-09-20 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over 2yrs before it was repossessed in XX/XX/XXXX and hit my credit just 3 months shy of the turn in date in XXXX. I requested all original documents from Chrysler Capital and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: KY

Complaint narrative:
XX/XX/23 : I received an email from Resident Advocate claiming I owed them {$1300.00} with an incorrect address listed and said that I had to dispute the claim by XX/XX/23. I sent an email back to them on XX/XX/23 and disputed it due to an ongoing open case on the apartment. 

XX/XX/23 : I received a voicemail from Resident Advocate to call them. I then proceeded to send them a letter in the mail asking them to validate themselves by sending the original contract with my signature, the creditor 's information ; ( name, address, phone number ), the payment history with an itemized billing list associated with the account number and proof of ownership and that they are authorized to collect payment. And stated, " As per Section 609, I am entitled to see this information and you must provide it to me within 30 days. '' Then I put my legal representation with their phone number and signed the letter with my wet signature while letting them know they had the wrong address listed. 

XX/XX/23 : I received another voicemail from Hunter Warfield to call them. 

XX/XX/23 : I received another email with the same information I had previously saying I owed {$1300.00} and that I had until XX/XX/23 to dispute the claim again. 

XX/XX/23 : I received another email with a resolution offer for {$1100.00} saying I was allotted 30 days to make a payment to receive the 20 % savings. 

XX/XX/23 : I received another voicemail telling me to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WY

Complaint narrative:
I have been on an Income Driven Repayment plan, specifically REPAYE, since 2021. I was automatically moved to the SAVE program this summer, but my original REPAYE  payment amount of {$82.00} did not update to the lower SAVE payment. 

On XX/XX/XXXX, I called and spoke with an agent about this. The agent agreed that his payment should be about {$41.00} on SAVE and said he would submit a request to fix it. It turns out that he submitted an entirely new application, despite me already being in the program. I decided to wait and see what would happen - but then I saw that in my MOHELA portal the payment amount went up even more to {$210.00}, which is almost five times what he should be paying. I called and spoke with an agent who again calculated the SAVE  payment amount, said it should be {$41.00}. I was told to wait for the application to be processed and that it would be fixed. 

The application was again approved, but the payment is again incorrect - {$130.00}. I called today, and was told that the calculation missed my wifes student loan debt even though this number was provided both in my initial application for REPAYE and in the second application for recalculation. They are now doing a third recalculation to lower this payment. I asked her about the interest that is growing and my PSLF payment count due to the forbearance they put me on while I wait. There is no resolution to this despite it being their error. I was encouraged to follow up at the end of XXXX, since this has been ongoing. 

I am extremely frustrated since this is obviously their error. I was on REPAYE with the correct information, but somehow my information was screwed up while transferring to SAVE. There is no ownership, nor is there any timely resolution being made. I can not afford what they are asking me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-09-20 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: MD

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-20 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Below are unauthorized inquiries due to identity theft from WELLSFARGO DEALER SVCS ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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.
State: NY

Complaint narrative:
I just restarted paying my loans with Aidvantage as of XX/XX/XXXX. I was told that to qualify for the XXXX repayment plan, which detailed no interest will accrue as long as I make payments, I need to consolidate my loans. I started the consolidation process on XX/XX/XXXX and have been charged interest weekly, with my loan balance going up several times over the course of the same month, XX/XX/XXXX. I have even made several payments this month and my balance keeps increasing with new accruing interest after each payment. 

My starting balance was {$190000.00} on XX/XX/XXXX. I made a {$25000.00} payment on XX/XX/XXXX, and my balance went to {$160000.00}, however should have been {$160000.00} ( so interest of {$23.00} over the course of a day ). I then made another payment of {$25000.00} on XX/XX/XXXX, and my balance went to {$140000.00} ( so another interest charge of {$70.00} over 2 days ). I made my last payment on XX/XX/XXXX of {$25000.00} and my balance went to {$110000.00} ( so another interest charge of {$84.00} over 5 days ). 

Aidvantage is wrongfully collecting interest even though I am making regular payments and the loans are in the process of consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Pen Fed Credit Union repossessed my car without providing any communication. The employee that I spoke with was under the impression that my vehicle was repossessed in 2017. I received know notification about the car being repossessed prior to it being taken. Pen Fed continues to violate federal and state laws. My federal lawsuit is filed with the courts.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I attempted to enroll in Auto-Pay with Aidvantage for my student loans on XX/XX/2023. I am still not enrolled in Auto-Pay, and as a result, I am being charged an interest rate that is 0.25 % higher than the interest rate that I should be charged. This issue has been ongoing for almost XXXX  months with no clear response from Aidvantage and no resolution. I have reached out to the company numerous times through numerous channels. I waited at least an hour on hold each time I reached out to customer service. The chat functionality on the website is almost always down and not functioning. Emails take XXXX  days to be responded to on average.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
A fraudulent charge of {$210.00} was made on my account on XX/XX/23. I reported this as an " unrecognized charge '' immediately when it was posted. As I think most people would think, I thought reporting an " unrecognized charge '' would be considered reporting fraudulent activity. After a week or so I was curious as to why they had not canceled my card and issued a new one, so I logged into my account, and see that CITI misclassified this as a purchase dispute with the vendor, rather than a fraud dispute. I immediately canceled the dispute to resubmit as a fraud dispute, but the system did not allow me to resubmit a dispute, so I immediately called to have them fix the issue -- this was XX/XX/23. I was assured the issue would be fixed and that I did not have to make payment for the fraudulent charge. After two weeks of not seeing anything on my account to indicate the issue was fixed, I called again on XX/XX/23... they did not see anything to indicate the issue was in the process of being resolved based on my previous call and again assured me the issue would be fixed and that I did not have to make payment. I had a repeat of this exact same call on XX/XX/23, again on XX/XX/23, again on XX/XX/23, and on XX/XX/23. The due date for my payment for the statement including this charge was XX/XX/23 -- since then, I have been receiving calls almost daily stating that my account is past due. This issue has still not been resolved, and I'm just told the same thing every time I call : " I don't see that this has been reported as fraud, we'll get the case opened, you do not need to make payment while this is being investigated. '' CITI seems to not have any desire to resolve the issue.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Overdraft fees were incorrectly taken.

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