vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: IL

Complaint narrative:
Aidvantage submitted my request XX/XX/22 for the refund of payments I made to my Consolidation loan during the XXXX XXXX XXXX XXXX, totaling {$930.00}. Aidvantage quoted the processing times for refunds to be approximately XXXX weeks. To date, I still have not received my refund. Aidvantage customer service has been lying about the progress of my refund every time I call. They are not practicing business faithfully & have not processed my refund in a timely manner. It has been over XXXX weeks, since the time frame that Aidvantage quoted that I should receive my refund. The time frame was quoted in their response to my last complaint on via the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: NV

Complaint narrative:
on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX data breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: AE

Complaint narrative:
Innovis blocks any access to their site from outside the USA, which is understandable given that credit reporting is a USA thing. But, they make it a hurdle for people who are working overseas, such as myself working for the Department of Defense overseas, or people deployed in a military status to monitor their credit or pull credit reports. No one should have to purchase an external VPN to have to access their credit report. XXXX nor XXXX have such a block.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I contacted USAA credit card department on XX/XX/22 in regards to my USAA Visa credit card with them. The card is now at a XXXX XXXX interest and it is becoming harder and harder for me to pay this bill, especially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX XXXX of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX hold and came back stating that she was sorry but that the option I was requesting was not offered by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Kriya Capital, LLC
State: NC

Complaint narrative:
My identity was stolen and they open a account that I was unacknowledged of. I have contacted the fraud department someone else name and address pop up under my social and phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
In XXXX of XXXX I received a debit card from Cash App. I am not Cash App customer and never signed up for an account with them. The only way to contact their customer service area is via their app. You can attempt to call their customer service area but you are only able to speak with someone if you are a current cash app customer. Other than that you can only reach out via social media. I was finally able to get in touch with them via XXXX. After several days and after I proved my identity by sending them a copy of my driver 's license they closed the fraudulent account. When I asked how this could happen they directed me to their terms and conditions which in essence states as long as someone provides an address they can receive a debit card from Cash App. They also directed me to XXXX. However the people who attempted to open the account only had a fictitious email address and my real home address so there was really no identity theft On XX/XX/XXXX I received another debit card from Cash App. I still do not have a cash app account. I attempted to call and contact but again because I do not have an account I had to reach out via social media ( XXXX ). They cancelled the account within 24 hours but when I asked to put something by my name so another fraudulent account was not open in my name I was advised this is not possible and again directed to XXXX How is it possible a company can issue a debit card in someone's name twice without verifying their identity? Then when I ask them to stop I'm told their is no way to stop it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my 16yrs old son who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several times i have contacted capital one about inquires on my credit report which it was supposed to be deleted due to me not giving them authorization to run my credit as of XX/XX/2023 it ; XXXX more on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP
State: MD

Complaint narrative:
I received a convenience check from my U.S. Bank credit card. I deposited it into my bank account. While the check was in the process of getting cleared my account was charged an unauthorized purchase. I called to inform customer service and told them about the check that was deposited. They told me that they would wait a few days for the check to clear and then close the account and send me a new card. They did not do what they told me and the check bounced. I was charged a {$12.00} fee. The new card was sent to me on XXXX XXXX. On XX/XX/2023 I received new convenience checks so I tried to deposit XXXX of them. They check bounced and I was charged another {$12.00} fee. When I called U.S Bank I was told the checks were from the old account and were no good. I asked them how I would know since they were sent to me three weeks after my account had been changed. The agent and supervisor I talked to said it was my problem not theirs. Now I have had two returned check fees in less than a month and my bank is placing holds on all my deposited checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
I did not receive a response from Equifax after sending two letters disputing the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have submitted my XXXX application for multiple qualifying employers. 
My first PSLF application was submitted on XX/XX/XXXX and is shown it was processed. My XXXX employers were approved starting with date XXXX. However, the problem I have identified is that there are several years of dates that are missing from my tracker/qualifying accounts. My tracker only shows XXXX of XXXX qualifying. Upon reviewing my qualifying payments the following months/years are missing : XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. I called and filed for a review to look into this XXXX XX/XX/XXXX and nothing happened. 
In addition to the qualifying tracking issue, I called to check on the status of my XXXX  application for my current employer as a government employee at XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was submitted on XX/XX/XXXX. I was told this XXXX application was denied and they did not know why initially. So when I questioned the representative she stated let me look into the application. The rep then stated because no XXXX was included. I informed the rep that was not accurate the XXXX was included the same day by XXXX of XXXX XXXX when I called. I initially submitted the PSLF application for XXXX without the XXXX because I did not have it ; however, I found it the same day of submission and contacted Mohela. Which it shows on my Mohela account that the Mohela rep did in fact add the XXXX on XX/XX/XXXX. So once I said that, the rep then says she see it and it takes 90 days to process. I said well XXXX 90 days is over if I submitted on XX/XX/XXXX. The rep stated the application was just processed on XX/XX/XXXX and that they have another 90 days to update their error. Which I think that is inaccurate. I asked to speak with XXXX and was told she was transferring me to management. Well I was transferred to what must have been an imaginary queue because I was on hold for well over an hour and half and management never answered. 
I believe I qualify for loan forgiveness as I have been employed with public service employers my entire adult life and since XXXX as my first XXXX was approved for. Mohela does not have a clear process on how they properly will review inaccuracies identified for their clients and this is wrong. 

It may also note that XXXX XXXX has my maiden last name XXXX. My current name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: AE

Complaint narrative:
LexisNexis makes it a hurdle for people who live or are XXXX XXXX  to get their consumer report. Their online process - XXXX XXXX XXXX XXXX to retrieve one 's consumer report only has the standard 50 states. It is missing 'states ' such as AE, AP , and AA.

Which means my actual mailing address will never match what is on their site - since my mailing address isn't one of the 50 states they have available. And I'll continue to get a letter in the mail - that my information doesn't match what they have on file - which has recently happened. 

This affects overseas diplomatic members and people who work the Federal government - including military or civilians.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: NV

Complaint narrative:
i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of Equifax data breach 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX was supposed to come pick up the XXXX XXXX from my apartment. They are wrongfully charging me for internet usage when I already left my apartment due to my lease being up plus a missing box fee. I spoke with XXXXXXXX XXXX XXXX  and they have called me repeatedly, harassing me for payment when I do not owe them. At all. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Filed written dispute with MCM on XXXX. Received correspondence back from MCM stating that it is unclear what Im requesting. Attached is copy of letter identifying the documents that I requested. 

Moreover, attached is MCM correspondence letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr. Cooper purchased my mortgage from XXXX XXXX and failed to pay/renew my homeowner insurance policy. My insurance was then cancelled for non-payment, even though my insurance is escrowed/included in my mortgage payment. Mr. Cooper even increased my mortgage payment to cover the increase in the homeowners insurance policy based on the escrow analysis conducted in connection with the mortgage purchase. 

My policy expired XXXX  and I just found out XX/XX/XXXX. This left my property uninsured in the interim, which is a risk to not only me, but Mr. Cooper. Mr. Cooper has put a customer service process in place to purposely make it cumbersome and nearly impossible to speak to a live person to rectify the issue they caused. When I finally spoke to a person, she was inept and rude, and failed to keep her promise to call me back or resolve the issue. 

Mr. Cooper via letter and automation is threatening to force place insurance even though they failed to uphold my contract, which includes an escrow for the homeowners insurance. I've done all the leg work and need Mr. Cooper to overnight payment IMMEDIATELY to my insurance company for reinstatement. 

I caution any consumer to not do business with Mr. Cooper. Their internal controls are nonexistent and their customer service is horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A person named XXXX XXXX signed up for a Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not know this person and am calling Bank of America now. I have received other mail in the past with this person 's name with my address listed and have marked Return To Sender and left them in the mail box.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2022 my home equity line of credit account was hacked. I went to the Branch of Citizens Bank on XX/XX/2022 to explain that my accounts were hacked. The person who went into my account made it look like I made transactions of {$2400.00} out of my account. The same person also hacked my two checking accounts, my savings account with the same bank Citizens Bank. I finally was credited back for the money that was taken out of my checking and savings accounts for {$1800.00}, but not credited back on my home equity line of credit account. I need this taken care of and have my account in good standing again. I am not responsible for these transactions out of my account. If I wanted to withdraw from my home equity line of credit I would not do all these transactions back to back in one day and with these amounts should raise a red flag {$500.00}, {$490.00}, {$490.00}, {$240.00}, {$250.00}, {$250.00}, and $ XXXX makes no sense to do this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation