vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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 graduated law school XX/XX/XXXX. While in my last year of law school, I consolidated both my XXXX loans and graduate loans to lock in a 5 % interest rate. XXXX XXXX was the original servicer of my student loans up until my account was transferred to XXXX around XX/XX/XXXX. From XXXX to XXXX, XXXX XXXX would place me into forbearance if I was unable to make my student loan payments. Starting in XXXX, XXXX XXXX begin to email me about XXXX XXXX XXXX options. I filed and was approved for XXXX in XXXX. In XXXX, I received notice that my account was again being transferred to Aidvantage for servicing. In XXXX, when I was struggling to repay my student loan under the XXXX program, a representative recommended that they change my XXXX program to XXXX as opposed to the XXXX I was under in order to lower my payment. I asked if I would still get credit for the previous months under the XXXX that I started and was told YES. I inquired early this year to see how many payments I had towards my loan forgiveness. To my surprise and dismay, the clock was RESTARTED in XXXX and all of my historical payments were wiped away from my account history. I also learned that XXXX became available in XXXX, however, I had no clue and was not able to take advantage at a much earlier time period and have suffered financial harm due to XXXX XXXX, XXXX and Aidvantage 's lack of transparency about my payment options and payment history. I feel extremely misled and believe such misrepresentation is egregious. I am seeking cancellation of my student loans that have been mismanaged by XXXX XXXX, XXXX and/or Aidvantage. Lastly, I have had to put in at least XXXX different requests through XXXX for someone to provide to me a historical account of my payment history. My last attempt was on XX/XX/XXXX and the Aidvantage representative stated that she apologized as my previous requests for additional information were never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: VA

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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX 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. 

Also, XXXX XXXX  XXXX and XXXX XXXX  are reporting 2 different account numbers : -XXXX XXXX  XXXX account # XXXX in XXXX and XXXX in Experian and XXXX XXXX XXXX account # XXXX in Experian and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am signed up for estatements with my Citi credit card. When I log into the Citi banking portal for my Citi credit card, I am unable to see statements online for months in which there was no activity. This is default behavior. I took a screenshot showing there is no statement available for viewing for the months of XXXX and XXXX of this year. However, I have determined there is a bug in the portal website architecture as there was in fact activity during this period : I made a large external bill payment to the account to pay off a balance transfer I had previously made to the card. I wanted to confirm that I wouldn't be charged any additional interest going forward, but I am unable to determine this online due to the missing statements. I tried to reach out to support using the online chat feature, but the agent was unable to assist 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 explanation
Consumer complaint received 2022-10-20 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:
Equifax is reporting the wrong addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX from Legal Administrations called me from XXXX ext XXXX. Stating that she was calling from a Law Attorney office and needed to verify my address and my social security number because she needed to serve me documentation. She also stated that the law office would be filing a judgement against me to start garnish my wages from my employer if I didn't settle this debt immediately. I've told her countless of times that I've never been contacted about this before. They contacted my aunt originally and NOT myself. my aunt gave me their number to call back to see what this was about. I've asked for Documentation from proof of this debt she said there wasn't much information that she could provide me because the case was sealed and that all she could see was that it was coming from the XXXX XXXX XXXX. I've asked if i could dispute this because I've never had a debt with Lane Bryant. Apparently this is who i own money to but she said it was to late to be disputed. I mentioned to her that I dont see this on my XXXX XXXXXXXX and she told me that XXXX  XXXX is a fraudulent website the doesn't necessary show all of our debts and that's why I haven't been able to see that I owe this debt. I told her i wouldn't make payment until i received proof of this debt but i still haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: VA

Complaint narrative:
In accordance with Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ALASKA CHILD SUPPORT SER account # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX account # XXXX XX/XX/XXXX XXXX XXXX  account # XXXX 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 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 7 years.

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

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 2022-10-20 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: VA

Complaint narrative:
In accordance with Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ALASKA CHILD SUPPORT SER account # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX  XXXX account # XXXX XX/XX/XXXX XXXX XXXX account # XXXX 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 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 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/22 I opened a fraudulent transactions claim with Santander by calling their personal accounts customer service at XXXX for 2 fraudulent transactions on my Santander credit card : XXXX {$2.00} XXXX {$17.00} I informed the phone operator that I did a XXXX search on the transaction description : " XXXX XXXX XXXXXXXX '' and the search returned 2+pages of results flagging this as a known credit card scam, and that I was surprised Santander would let these charges through to begin with. I also requested that my credit card account be closed because this has happened before and I don't think Santander takes credit card security as seriously as other credit card companies. 

On XX/XX/22 I received a letter in the mail from Santander informing me that they had closed the investigation on the XX/XX/22 {$17.00} charge because no billing error had occurred, because documentation from the vendor proved I had authorized the charges. Additionally the letter stated I should contact the vendor directly for further details. It did not mention the XX/XX/22 {$2.00} charge. 

On XX/XX/22 I checked online banking and found that Santander had returned the {$17.00} charge to my statement. I called XXXX and spoke with XXXX in Disputes. I asked him how I could contact the vendor when 2+ pages of XXXX results indicated that this was a know credit card scam. Unbelievably, XXXX told me " you are providing new evidence that this was indeed a fraudulent charge by your XXXX search, so can you take a screenshot of your XXXX search and email it to us and I will open a new fraudulent transaction dispute. '' I told him that when I opened the fraud case I had mentioned this to the operator, to which XXXX said " a note was not made on the case with that information. '' At this point I wished him a good day and hung up. I would like to know what exactly Santander 's " fraud investigation '' consists of if not a basic XXXX search or a list of know credit card scams which I would assume they have. 

Thanks for your help with this as I did not know who else to contact.

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 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One, call me and I set up a payment arrangement, and they said they will not close my account because it was there error, And they send me a letter stating they are responsible for this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted over 20 investigations as well as mailed Transunion documents as regards XXXX XXXX on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees XXXX says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. Judge dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And Transunion will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation of 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 2022-10-20 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: PA

Complaint narrative:
The website XXXX keeps reporting to my credit. Incorrect information identity theft. They are reporting to open account that I never created I've never bought anything off their website. 

They keep reporting this to my credit and they are hurting my credit I have a negative XXXX points. I'm at poor credit because of them They give me case number by email say they won't investigate. Send to the proper department but they never get around to contact me they keep giving me the runaround. 

They keep reporting address that I never lived in. This is clearly identity theft.

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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation
State: WA

Complaint narrative:
XX/XX/2022 I used the XXXX XXXX XXXX XXXX to prepay for gas. Rather than connecting to the pump system, the app glitched out and charged me three separate {$100.00} preauthorizations, for a total of {$300.00}. I tried to get support through the app, but XXXX has removed the ability to download or update the app for XXXX so I called XXXX 's customer service number XXXX, where I was told they couldn't help me and transferred me to their Payments department. Payments advised they could see nothing and that it should drop off the following day. It is now seven days later and I've called the general customer service line and requested a call back from management to try and get this fixed, been transferred to the Payments department again, then transferred to the XXXX XXXX XXXX department, where a gentleman reiterated that they don't know where my {$300.00} is and that a manager wouldn't help me any more than he has. When I requested to speak to a manager still, as I've been given different information and received NO communication in return as promised, he hung up on me. 

I called back and spoke to another agent that tried very hard to help me, but she was also told that it would " hopefully '' be back in my account tomorrow, but when I asked what I do if those pending auths don't drop off and return my money, she told me " I can't answer that because I don't know - we don't know where the money is. '' With the app tanked from the XXXX market, I can't use it to request support, my bank has assured me that the charges are pending on the merchant end and not theirs, and I have been told it can take up to 30 days for my money to be returned. I can not purchase gas to get to and from work. I can not purchase food, pet food or my medications, and NO ONE will help me, and no one from corporate has called me back as requested multiple times over the past seven days. My automatic payments can't go through, my credit score is dropping and my grocery delivery was canceled because XXXX has completely cleaned out my bank account and says they have no idea where my money is or when I will get it back.Through all of this, XXXX has been completely unhelpful and has given me different information each time I have contacted them, refusing to assist any further.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Yes, I had contacted the two reporting agencies without getting assistance and contacted the Attorney Generals ' Office in XXXX, IL? This was a last ditch effort and also sent the documents ' to XXXX that supports ' these problems ' especially with a Bank or thereof Banking Centers '? This was an unfortunate coming with the COVID Virus but in actuality it is the right thing to do as to how I was lost in the shuffle!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting the wrong addresses on my credit report.

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