vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS.

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.

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 2022-09-16 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: Certegy Holdings, LLC
State: LA

Complaint narrative:
RETALIATION by XXXX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned XXXX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the laws of the State of Georgia, XXXX established notably in XX/XX/XXXX, by XXXX. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX XXXX XXXX subsidiary would have. 

Since reporting XXXX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and XXXX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXXXXXX XXXX as my third XXXX XXXX and Graduated in XXXX of XXXX. That school holds two graduating ceremonies in XXXX for both classes that graduate with The XXXX program. The one in XXXX and the one in XXXX of every year. 

However, the school, having currently already been placed on academic probation by the ruling XXXX XXXX XXXX XXXX, removed XXXX XXXX XXXX XXXXXXXX XXXX one week prior to the Graduation Classes for failure to comply with the areas of concern that gave the school one year to complete. They failed to do so and were sent a letter to the President of the College who withheld the information from the students of the school. That in fact made our Diplomas null and worthless without the accrediting body certifying them. and prevented any of us from taking subsequent XXXX XXXX XXXX which consists of four parts plus the state board they each have, He withheld this until XXXX at which time he resigned and it took the school almost 18 months to get back to probation status and since that time the school has racked up almost half a XXXX in been placed on probation four more times. They also helped me to increase my student loan debts to over {$520000.00} and no way to repay it and also unable to pass all the boards from their fraudulent teaching methods that brought on the probations and finally suspension from the program. 

I did not even find out about this until years later and now twenty years have passed, I am XXXX, and after learning of what options are available I filed a " BORROWERS DEFENSE '' MOTION with the Department of Education in XXXX of XXXX specifically targeting XXXXXXXX XXXX and provided documentation of all the accusations with them and still awaiting a decision. I might also add that Navient who went out of business and had to pay a massive fine two years ago because of fraudulent trade and lending practices was involved in my loan servicing and should have never allowed me to get in debt to that amount of money and thus acted dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: KS

Complaint narrative:
Requested refund of student loan payments per CARES Act. Aidvantage indicated that the timeline for a ( direct deposit ) refund of {$3300.00} would be 8 weeks. There has yet to be any documentation providing the status of the refund or that a refund is being processed. The extreme timeline for a refund, paired with the XXXX tracking or visibility is unreasonable. Also, two loans still show balances, but have actually been discharged through Borrower 's Defense as per the studentaid.gov website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
XX/XX/2022 I tried to cash a check at Truist Bank in XXXX, XXXX. It was made out to myself and my mother XXXX XXXX for services we did not use ( oil changes refund that was financed in with the car ). The lender company, XXXX issued a refund check in both our names. The bank is refusing to deposit in to my checking account.

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 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: NV

Complaint narrative:
I refinanced with Check n Go, and they agreed to only take out {$170.00} on XX/XX/2022. With out my knowledge they took out the entire loan amount of {$460.00}, leaving my bank account overdrawn by {$460.00}. I called and tried to get it fixed, and they told me they no longer do service in Nevada. They never told me this, and they never told me they were taking my money. Now they are telling me I have no options, that my account has been closed and there is nothing they can do. I spoke to XXXX different people. The XXXX, XXXX told me that he would try to help. I forwarded my confirmation email to customer service, and he is going to see what he can do. There has to be something, they can't just go into my account and take more money than what we agreed on. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I received a call from Source Receivable ( XXXX ) XXXX on XX/XX/2022 at XXXX pm regarding a XXXX XXXX XXXX. 

XX/XX/2022 - XXXX pm I was told by a gentleman the balance due was {$900.00} dollars. I explained to him that I left XXXX years ago and the balance was resolved. The man working for Source Receivable told me that I owed this money. I told him that he " wasn't going to overtalk me if you want me to pay this bill. '' That when he said something to effect, " obviously you haven't paid the bill.. '' I asked to speak to his supervisor he hung up. 

XX/XX/2022 - XXXX pm I spoke to another employee at Source Receivable ( XXXX ) XXXX. I asked for a supervisor. She hung up on my also. 

XX/XX/2022 - XXXX pm I spoke to XXXX from Source Receivable - asked for XXXX Supervisor, she transferred to XXXX ( a Supervisor at Source Receivable ). She explained the bill, asked for XXXX XXXX number, I need to further dispute the charges. She informed me that XXXX would refer me back to her company. 

The whole issue is with the first Gentleman I spoke with at Source Receivable Management, he was condescending, abusive, unprofessional, unethical and rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX XXXX does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: TX

Complaint narrative:
I tried to set up direct deposit with the way to go card and was told on the website that the transaction is suspended due to fraud on the card and to call customer service. When I called customer service the lady said I have to set up direct deposit thru the ivr I told her that does not sound right and also questioned her about the fraud message she keep repeating the set it up thru the IVR. I asked to speak to a supervisor she hung up on me when I called back. Someone answered and they never said anything just silent. I can only call this company so many times a month without being charged for calling customer service and the reps are playing on the phone hanging up and not saying anything when I call back. I just need to set up the direct deposit. The customer service is truly bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/2021 American Express opened and increased my card limit without any authorization or without notifying me. After the card was open there was several charges made totaling over {$30000.00}. There was several charges made several times a day, to foreign companies that will not reply to my emails. The companies do not have contact numbers listed. I was not aware of the charges until I received my statement. I immediately notified American Express of the fraudulent charges, and an investigation begin. After XXXX days, I requested another investigation and disputed the charges again. The charges were removed, however, XXXX months later the charges are reappearing on my statement again as a fraud reversal. I have tried to contact American Express, however I keep getting transferred to different representatives and different departments. I have fraud protection on my account, however, American Express failed at making me aware of the suspicious charges that was allowed right after opening my card limit without my authorization. I would like have a proper investigation, receive documentation of the investigation, and an explanation of how such activity was allowed. Also, I would like an explanation of why the charges are back on my account after a settled dispute. I have attached documentation and statements of this ongoing matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-16 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-16 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CA

Complaint narrative:
My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.

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