vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: KY

Complaint narrative:
I have an outstanding an student loan with Aidvantage. A small portion of this loan is unsubsidized. During the period of time in which interest/req 'd payments have been frozen I've been doing my best to pay down the principal on the unsubsidized portion of my loan. 

From XXXX - XX/XX/XXXX I've steadily and deliberately applied payment to the unsubsidized portion of my loan. During this time I saw the principal amount reduced as expected. During this time I used their 'Specify for each loan'-payment wizard and it followed my payment instructions as entered. 

On XX/XX/XXXX, when attempting to make payment as I had before -- instructing to pay only the smaller of the 2 balances ( my unsubsidized loan ), my payment instructions were modified without my consent. Payment was instead directed toward the unsubsidized portion of my loan. This portion has a significantly higher balance and will take more time to pay off. Any attempts to rectify this nonconsensual payment modification on Aidvantage 's part have hit a brick wall. Their 'specify for each loan'-wizard modifies my payment every time even though I'm attempting to pay down the smaller of my 2 outstanding balances. 

It appears Aidvantage has levied a 'ghost'-minimum payment threshhold that must be met prior to paying specifying principal paydowns which seems to be at odds with what the federal government has mandated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NC

Complaint narrative:
According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : 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 XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-29 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: KY

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}

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 2022-03-29 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: KY

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The XXXX  marketing opt-out page has been down for over a week. It is currently not possible to opt out of having my private transaction data with other entities without my consent. 

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 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent an int'l wire from my local Truist branch. The staff member used the wrong intermediary bank and I am too inexperienced to have noticed. The money is stuck at XXXX XXXX. I learned this when the receiver informed me the next week they did not receive the wire. Since then, I have visited the branch, made 7 phone calls, and sent 8 emails to either the branch manager or their client resolution specialist. The CRS has never responded to either VM or email - in three weeks. The branch manager told me the return of my money was in process and that she would confirm details within 24 hours - that was 9 days ago. They have had my XXXX for over a month now- they have dodged my efforts to get it back. I am in trouble now with cashflow, as I had to send a second wire.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXXXXXX / {$1400.00}

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CT

Complaint narrative:
I have a Traditional 15 yr fixed home mortgage with Key Bank The payments for the same have been made for the past few years and set up as an automatic payment via XXXX XXXX XXXX XXXX. 
These payments have been made on a timely manner every month to Key Bank I am in the market for seeking a home loan for a new home purchase. During this process I spoke with mortgage brokers and on XX/XX/2022 was offered a rate of 3.0 % by XXXX XXXX. During their process they informed me that my credit score was low due to non payment of a Key bank payment for XXXX. I went to the local XXXX branch the next day where I was informed that my mortgage rates had changed due to tax increase by $ XXXX. There was s shortcoming as my account was on autopay and they would attempt to resolve it. This matter was discussed at the local branch, with Key Private Bank, with Key Mortgage and all agreed that this issue should be resolved. In addition Key Bank had an incorrect telephone number as well as no email address to contact me. The remaining downside in payments was made, the autopay amount corrected and submitted.

The concern I currently have is that Key bank refuses to withdraw their report to the credit agencies. No attempts apart from the monthly account statements were made to notify me of the a ) Change in amount, b ) The shortfall in payment or c ) The intention to report this to the credit agencies. 
Further after I had started conversation with various departments in Key Bank I start getting certified letter regarding non payment and potential foreclosure clearly an attempt by them to show that they are doing the " right thing ''. 
The bank and its representatives did not have an answer when I queried why a certified letter had not been sent previously. They further mentioned that they have glitches in their internal system and my email which is available to them as I am a business banking customer was not visible on the home side. Even after I updated my information, I was old that they were unable to reach me for a follow up call and when queried they confirmed they had called the old defunct number. 
The banks process has 1 ) Multiple internal issues with poor communication and updating information on their system 2 ) the bank failed to contact me appropriately regarding a payment change 3 ) The bank failed to reach out to me regarding a payment shortfall 4 ) The bank failed to notify me regarding a pending negative report to the credit agencies and finally 5 ) The bank has failed to provide me a documentation of what has transpired over the past 3 weeks. 
The bank employees I have spoken to are but not limited to XXXX XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Filo Mortgage, L.L.C.
State: FL

Complaint narrative:
On XXXX XX/XX/2022, I started the home refinance process with FILO Mortgage. Seventy-five e-mails from XXXX through XX/XX/2022, with FILO mortgage XXXX All e-mails had the same message this loan application is progressing it is approved while at the same time asking for numerous repeat information and documents previously provided. On XX/XX/2022, I was notified by FILO Mortgage it had requested a new credit report a second report from the initial credit report obtained with the start of the process. This was conducted without my approval ( a clear violation of the fair credit and reporting act ). The results of that report indicated a change from the first request and based on that unauthorized report, On XX/XX/2022, I was notified that the loan application was being cancelled, FILO mortgage was cancelling my loan application based on the unauthorized credit request. I am in the process of filing a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission and will work with the XXXX XXXX XXXX. The whole two-month experience with FILO mortgage has left me with one conclusion. In my judgement, Filo Mortgage is a company that one should be very leery about doing business with. In my view they clearly have poor case file management and unqualified individuals working the refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX  / XXXX / {$1400.00}

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXX / {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
recovery portfolio has consistently contacted me via phone calls to collect on a closed and written off account. which I have told the advisors that called I am not paying a debt that will not remove the debt from my credit report I initially contacted this company to pay the debt the company informed me that it was in collections and was written off. After viewing my credit report, it was a written off account. once contacted by the collection agency I said this is a written off and closed account therefore I will not pay this account and asked this company to refrain from calling me. and all of this occurred in XXXXXXXX XXXX, I also asked an advisor if in the event I were to pay this account would you remove it from my credit and the advisor stated they would not. therefore, I advised the agent I would not arrange a settlement or pay that written off account due to the original debt holder has insurance and closed the account and wrote it off and was compensated for it. Now once it has been on my report for 7 years it will fall off so I will wait it out. I want this company to cease contacting me concerning a closed and written off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing 2 accounts from XXXX XXXX in the amount of {XXXX} and another account with the amount of {XXXX} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But experian and XXXX and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense experian .XXXX XXXX doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information 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 explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
Money was used over XXXX bucks n that was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the XXXX customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was XXXX, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.

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 2022-03-29 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: TX

Complaint narrative:
I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the XXXX customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was XXXX, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.

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 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$1500.00} XXXX XXXX XXXX  XXXX / {$1400.00} XXXX XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
We opened the account in XXXX ; we recently deposited {XXXX} to the account. 

I was notified today - XX/XX/XXXX about a withholding submitted by a NON-Federal Entity, to take our money. We currently have a Lawsuit against the Non-Federal Entity for Falsifying Information, Additionally, and MOST Importantly, the money being deposited to the account is SSDI and US Navy Disability Payments, which is Federally Protected and are NOT Subject to Garnishment XXXX XXXX XXXX XXXX XXXX XXXX  There are Several Other Sites out there, including the IRS and Federal Government Websites, that say the exact same thing. 

IF YOU OWE FEDERAL TAXES - ( I Do NOT ) https : //www.ssa.gov/OP_Home/handbook/handbook.01/handbook-0129.html I do not owe federal taxes, or child support, or anything else that allows for garnishments. 

I have been through this now with another bank, and they were required to return our money as well. 

I provide information to the fact that this money is Disability Money from the SSDI and Military Disability, and they Refused, On a Recorded Phone Call - They Were Informed that the call was recorded, that they refuse to return the money. 

I'm filing this complaint, and I'm contacting our attorney to engage directly if my money is not returned. 

This is becoming a Rampant Problem with Banks. NEVER Checking the Rules, and Just doing Whatever They Want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation