vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
I asked all 3 credit bureaus ; Experian, XXXX, and XXXX, to do a verification of my credit report due to identity theft, and inaccuracies and they did, EACH BUREAU stated everything was accurate. I then did thorough research myself and i found improper inaccuracies all throughout my reports. I attached my credit report below with all EVERY ACCOUNT with the inaccuracies and the ones that are not mine. In accordance with the Fair Credit Reporting act converging ANY ACCOUNT violates my rights. 

15 U.S.C. 1681 section 602a. States that i have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. They 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 2022-10-05 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: GA

Complaint narrative:
I spoke with representative XXXX on XX/XX/2022, and requested a refund for all of my loan payments I made during the pandemic. The representative said he submitted my request and said it would be 4-6 weeks to receive my refund from the Treasury. I spoke with representative XXXX, XXXX, on XX/XX/2022, and was told that my request was not submitted on XX/XX/XXXX. XXXX claims he submitted it and said I should receive my refund in XXXX. However, like on XX/XX/XXXX, I did not receive any written confirmation that my request has been submitted. Thus, I have no way of knowing whether my request was actually submitted and have zero trust that it has actually been submitted based on my experience the first time. I also have to wait at least an additional 4 weeks to receive my refund because of the companys negligence in doing its job as a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau : A few months ago, I opened a Capital One card ending in XXXX  to have as a travel card. I used it once, charging {$5.00} at XXXX XXXX, for the sole purpose of activating it. Since I never received a statement, I forgot about the {$5.00}. A week ago, I finally got a statement, delivered electronically with a $ XXXX late fee. I called Capital One and the agent said that she would waive the fee, and I paid the {$5.00} by check. Then the agent suggested that I close the account, which I did. 

On XX/XX/XXXX, I learned that closing the account caused my credit score to decrease by XXXX points, from XXXX to XXXX. As I said earlier, the agent advised me to close the account, so I called Capital One a second time. 

This agent told me to reopen the account, but said that she did not know if doing so would have any effect on my credit score. However, Capital One sent me a link that told me my credit score had decreased, which means that Capital One was clearly aware of the credit situation. 

Only after 30 minutes and multiple holds did this agent say that I could dispute the change in my credit score by writing to the Capital One Credit Disputes Department. A Capital One agent named XXXX XXXX via XXXX ( XXXX ) sent me a copy of my statement so I could get the account number because I had destroyed the card. The statement is wrong, showing a balance of $ XXXX is incorrect, as the account is closed. For the third time, I called Capital One and this agent told that the balance is indeed XXXX. 

I wrote to the Capital One Credit Disputes Department on XX/XX/XXXX to get my credit score corrected because Capital Ones customer service is inept at best ; deceptive and perhaps illegal at worst. 

On XX/XX/XXXX, Capital One responded : Please contact the credit bureau reporting agencies directly to assist you with your request. 

Please help me resolve this issue and get my credit score returned to XXXX from XXXX. This matters a great deal, as you know. Capital One is dishonest and deceptive. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit Collection Services, Inc.
State: MI

Complaint narrative:
Summit Collections has violated my Federally protected rights under the FDCPA. Pursuant to 15 U.S.C 1692a-3 I am not obligated or responsible to pay you for this alleged debt. XX/XX/XXXX at Summit Collections had a representative contact me on there behalf and I asked her to notate my account to Cease communications from me from all mediums and the rep hung up the phone and disregarded my demand. Summit then by sent me an alleged billing statement vial mail dated XXXX XXXX violating my Cease and Desist 15 U.S.C 1692c ( c ). Summit abusive debt collection practice has caused me anxiety, mental anguish, fear of not knowing if this company will continue harassing and trying to coerce me into paying an alleged debt. Attached is a written Notice and invoice for the violations under the FDCPA. Failure to comply will result in Legal Matters in Federal court.

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 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Since 2020, I have paid on my loans a couple of times. However, the student loan was sent to collections despite the payment pauses. Also, I'm pretty sure that I read that loans that went into default would be given a fresh start but that hasn't happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. 
Car was Financed with Golden1 Credit Union and Gap Coverage with XXXX XXXX My son had a Total loss accident on XX/XX/XXXX. 
Today is XX/XX/XXXX and my account with Golden1 has been placed in collections for {$8100.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX has been calling me on behalf of the credit union. My credit score is at poor and it saddened me that this has become a nightmare. 
XXXX paid right away and I assumed my Gap Coverage would take care of the balance shortly thereafter. After numerous calls with XXXX, Golden1 Credit Union, and XXXX i was told not to worry it would be taken care of. 
Months go by I assumed the credit union was paid in full. Unfortunately, they were not and this balance became my responsibility. XXXX made the first payment of {$2500.00} in XXXX and this left me with a balance. I was unaware why, called and called, I finally was told that I also needed call XXXX Dealership to issue a refund to the credit union. This was the first time I was ever told this and it now months after the accident. The rep. told me they dont know if they can back dated to XXXX because it is now XXXX but she would do her best. By now my account has been sent to Collections and XXXX XXXX XXXX are calling me for money that I understood the Gap Carrier was to pay. XXXX issued payment XX/XX/XXXX in the total amount of {$3400.00}. XXXX made an additional payment of {$190.00} XX/XX/XXXX. To my surprise XXXX XXXX XXXX has no record of these payments and as of today, they are requesting {$8100.00}. I called the credit union twice today and each rep. treated me very unprofessional and like XXXX! I am totally disappointed and my credit score is damaged. I feel that I have been treated unfair, between the insurance carriers, the credit union and the dealership this should not have happened and I should have a XXXX balance due. Please help!

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 2022-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
1 Failed to timely respond to loan modification application after forebearance 2 Not reported to the consumer credit agencies Complaint as disputes and in violation of the Truth in Lending Act, Federal Collection Debts Practices Act 3 Falsely said application was missing information that was already provided 4 SLS Failed to properly apply and account for payments on mortgage Made 3 timely Trial Payments in XX/XX/2022 - {$2000.00}, XX/XX/2022 - {$2000.00} and XXXX XXXX {$2000.00}. I t was mis applied and does not show as mortgage payments 5 SLS failed to respond to a qualified written request 6 SLS initiated aggressive collection efforts that included placing daily harassing collection calls to XXXX and sending excessive written correspondences to the XXXX demanding payment to cure the default. during the forebearance period 7 suffered grave consequences of the improper denials of standard modification 8 SLS acted negligently in denying loan modifications t, at a time I was struggling, and failed to uphold its duty under the Home Affordable Housing Program ( HAMP ) to issue modifications which I qualified Fraudulent concealment and intentional infliction of emotional distress accusations of making unauthorized changes to the mortgage loans The filed modification, which was part of a loan modification trial process at XXXX XXXX, lowered the couples monthly mortgage payments from {$3100.00} to {$2200.00} While paying a few hundred dollars less each month might be nice, buried deep in the terms of the modification was notice that the mortgage had been extended to 40 years.

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 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have 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 an 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 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/2021 we were at all inclusive club in XXXX XXXX, XXXX  XXXX XXXX- we attended a spa on the property and had massage that was a compensated service. 
When we arrived home in XXXX we noted a charge on Citicard for {$1200.00} that we did not make it was on the same date we were receiving massage. On the card statement is states " XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We made a complaint to the credit card company and they responded to say they did not believe it was fraud. 
We appealed the credit card decision and appeal resulted in same response. 
The charge was in XXXX so we don't even know what was charged and we requested proof that they had my signature on the credit card receipt - card company did not produce any response. I have no knowledge of what was purchased or who purchased it. 

The same issue arose with another couple we were with - on the day before our charge but also around same time they were in the spa- ( we now suspect employees of the spa ). They had XXXX XXXX card and it was immediately removed from their card. 
They did cancel our card and issues us a new one to may sure no additional fraud occurred- which to me shows they knew it was 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 monetary relief
Consumer complaint received 2022-10-05 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: IL

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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 2022-10-05 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
I asked MyFedLoan to reinstate my parent plus loans back in the middle of XXXX for all my payments that were made during the covid pause. They are still not reinstated and they told me it would take 4-6 weeks originally. Please reach out to my email directly to ask for specific details and I can provide you with anything you need. I am tired of waiting at this point and want my money back that I paid the federal government during the pause that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CMRE Financial Services, Inc.
State: MD

Complaint narrative:
This company waited the full 60 days, to the day ( XX/XX/XXXX to XX/XX/XXXX ) to submit feedback- which is false information. 

First, I want to address how they said my balance was from prior XX/XX/2019 - I wasn't even at my first XXXX appointment until after that date, so this definitely is incorrect. 

I am also attaching another EOB showing a claim my insurance denied- I do not have to pay for balances denied by my insurance so if this is what they are trying to collect that is illegal. This entirely situation is shady and unethical. I had XXXX as primary and XXXX as secondary - which is why my letter from the doctors office showed XXXX would finalize any outstanding balances and my ledger was to be {$0.00} at all times. 

XXXX covered retroactive balances. I was not billed for any balances, and the office had notification and gave me a confirmation letter I did not owe any balances and would not in the future owe balances because I had XXXX coverage. Sending my account straight to collections without billing me in XX/XX/2019 was also referred to send to XXXX for coverage, which they failed to do. They shouldn't be sending accounts straight to collections agencies, despite knowing XXXX is covering balances- this is absolutely unethical and unjust. This balance is absolutely incorrect and falsifying information. I sent proof, and am attaching it again, from the office I owed {$0.00}. I have done everything I needed to do for my coverages and balances, it is not fair to make up an amount, ignore insurance, not bill properly and directly harm people. 

The company is ignoring my previous writings to send the amount to XXXX, which said they would retroactively cover balances 3 months prior to XX/XX/2019. They also admitted to receiving my collections account in XXXX - XXXX bills were ever sent to me from the doctors office, which means they sent my account immediately to collections- all while telling me and giving me documents showing a {$0.00} balance. This is unjust. 

Nothing has been resolved. They did not look into my case, I attached paperwork with my submitted complaint showing {$0.00} ledger and letter of {$0.00} balance due to XXXX. There is no balance per the submitted paperwork and this amount needs to come off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Request for my Title Information to be corrected with the State of Illinois I have been making numerous requests to XXXX XXXX and Wells Fargo to have my title & registration corrected. XXXX XXXX and Wells Fargo caused me to have a lien on title and now XXXX XXXX and Wells Fargo need to remove the lien. 
This is not an unusual request. It is unusual that these big companies are so uncooperative and not willing to fix a mistake that they caused. 
Time & time again I have been I have been asked to call these businesses but that will not correct my problem. I need these businesses to contact the state of Illinois to correct their mistake. 
Background : My vehicle was a Leased-Vehicle that I purchased over 2- years ago. The lease agreement was originated XX/XX/XXXX by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Il XXXX with a phone number of XXXX. 
At present, Wells Fargo is listed on the title for my vehicle. XXXX XXXX XXXX is listed on my registration. Title information obtained from the Illinois Secretary of State indicates my car has multiple owners. 
I obtained the pay-off from XXXX XXXX XXXX I made lease payements to to While I was leasing the vehicle, What I need completed : Some business related to my lease transaction needs to contact the State of Illinois to Remove a lien. 
Visit the Secretary of State Illinois and verify the current status of the title. 
1. Visit the web page for Title & Registration Information : Title and Registration Status Inquiry ( ilsos.gov ) 2. Enter the VIN and Confirm Wells Fargo is still listed on Title 3. Follow the instructions to change the title and contact the nearest Secretary of State Facility or call XXXX with corrections to remove Wells Fargo & XXXX XXXX XXXX from my title. 

Attachments : PDF Copy of this complaint Summary document of background information Current title information obtained XX/XX/XXXX from the State of Illinois Secretary of State Recent letter from Wells Fargo

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