vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
In XX/XX/2023 I Applied for Income-Driven Repayment to see if it would lower my payments from {$210.00}. Without being given any opportunity to see what would be offered under such a plan, my loan servicer AIDVANTAGE simply imposed an IDR payment schedule on me that increased my monthly payments five-fold to {$1000.00}. On XX/XX/2023 I made a written complaint to AIDVANTAGE, rejecting the IDR, only to have them unilaterally impose another plan maintaining that five-fold increase for 7 months and then reducing to {$260.00}. Again, this was without offering me any opportunity to see what the terms would be before accepting or rejecting. My debt to income ratio makes it impossible for me to make those elevated payments. I would never have agreed to those payment terms had I been able to see them first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
This is in regards to an open dispute with XXXX XXXX in the amount of {$310.00} affirm has yet to resolve the dispute after their 90 day timeframe has lapsed, placing my account in CHARGED OFF STATUS which is a breach of agreement. I have attempted to resolve this dispute with customer service by telephone and email, support has repeatedly stated they have escalated the dispute to the appropriate team for review in resolving but have not received any response. I have email records from affirm stating the dispute was ruled in my favor and a refund will be issued, but yet the account has been placed into collections with XXXX XXXX XXXXollection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, this is in regard to a an unauthorized charge by XXXX on XX/XX/XXXX  to my Wells Fargo credit card. XXXX  is an app that pairs homeowners with extra space with people seeking vehicle storage. Ive used the app numerous times, and in this instance I booked a space that was advertised for {$100.00}. I completed the booking process, agreeing to a single charge of {$100.00}. I stored my RV in the space for a period of 5 days. Later, a duplicate charge showed up on my statement, which I disputed. I later found out the price I paid reflected a 50 % discount that required booking multiple months to maintain eligibility. 

Had the company indicated that I was ineligible for the discount at the time of the transaction, I would not have booked the rental, or if they had contacted me later and stated that the rental price would be double the agreed price, I would have changed my reservation. Instead they initiated a second, unauthorized charge to my credit card, a decision I disagree with. Likewise, strongly disagree with Wells Fargos insistence that I bear the burden of the unauthorized charge Attached are images showing the advertised pricing in the XXXX app. They make no mention of their intention to charge doubly if multiple months arent booked.

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 2024-01-23 00:00:00
Product: Credit reporting 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:
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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.

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 2024-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OR

Complaint narrative:
My HELOC account was paid off on XX/XX/XXXX. My late spouse and I were on the loan together, so I provided them with a death certificate and all other info they requested. They still issued a refund check in his name. I contacted them to have them reissue the check in my name only and was assured they had everything they needed and if the check was in his name again ( they couldnt tell ) that a new *third* check would be expedited. I spoke with a supervisor named XXXX. 

I received the reissued check, again in his name. I called again on XX/XX/XXXX and spoke with a rep who saw XXXX notes and requested a reissued check for the third time and told me it would be expedited and I should receive it in 3-5 days. I called today, XX/XX/XXXX, as Ive still not received a corrected check. A supervisor named XXXX rudely proceeded to tell me the check hadnt even been reissued yet and that he couldnt expedite it, that they did not do that, despite what XXXX and the other rep told me. He was very patronizing, refused to go by the notes in the system that XXXX left, and would only tell me hed have XXXX call me back. 

Ive provided Huntington with all the documentation they required to issue my escrow refund in my name, yet here we are 30+ days since the account was paid off and they have yet to issue me a cashable check, instead, continuing to issue me checks in the name of my deceased spouse. And this last person was extremely rude about it to boot. 

I want Huntington to provide me the escrow refund they owe me in a check that I can cash - in my name, not my late spouses name - immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I never gave consent for these creations. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the fraudulent accounts from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
NewRez and XXXX XXXX XXXXXXXX offered a forbearance plan during COVID with several repayment options. The option I chose was placing the amount on the back end of the loan and start back in the payments. It became time for me to begin paying on the mortgages only to be told the option I chose doesnt exist any longer. Bait and switch. After going through the motions NewRez wanted me to be on a 3 month trial period with a lower payment. Around {$400.00} less per month than the original payment. I had to call in the payments which I did. I was told to wait until I hear from them to move forward. A couple of months go by and no word from the mortgage company. I called to see what was going on to find out my loan was in the attorneys office for foreclosure! Many calls going nowhere were made and they told me I had to pay back the amount in full that was supposed to be put on the rear end of the loan. A sum of {$45000.00} We had strangers knocking on our door telling us how we can get out of foreclosure, mail, emails, and unanswered messages left with the mortgage companies attorneys office. We had to beg and borrow the money to keep our home of nearly 17 years. Afterwards, we received a new mortgage statement with a monthly note higher than the original mortgage payment! Just as soon as we paid the {$45000.00} we were told we owed a payment for the same month.. less than a few months after all this happened here we are again getting calls from their attorneys office for foreclosure while we have not missed a payment. ( All payments are documented ). The CARES Act forbids mortgage creditors to demand repayment however both NewRez and XXXX XXXX XXXXXXXX do not follow the rules made by our government. Today after begging and borrowing enough to keep our home they are after us again! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, a bank transfer came into my checking account from XXXX XXXX from a company called XXXX XXXXXXXX XXXX  XXXX. Bank of America cleared the transfer in the amount of XXXX without contacting me as being unusual activity in my account. On XX/XX/XXXX ( 26 days later ) XXXXXXXX XXXX came and took the money back as an unauthorized transfer. Bank of America froze my bank account with my Social Security XXXX XXXX being in process. I went to the Bank of America and my debit card was confiscated, and I wasn't allowed to have my XXXX check in the amount of {$920.00}. The fraud department wouldn't talk to me, and didn't return my calls. Another department told me it would be 90 days of an investigation to resolve this. On the XXXX th day, I received a phone call from a detective who asked me questions I answered to the best of my ability. I was receiving letters and statements for a few months until Bank of America closed my checking account, and said they would be mailing me a cashier 's check in the amount of {$920.00}. I never received the check, called and asked what address they sent it to, I was told only that it was mailed out on XX/XX/XXXX, and I would have to wait until it expired to get another one sent. In XXXX on the day it expired, I entered the Bank of America Branch in XXXX Florida and sat down with XXXX XXXX, the bank manager as she looked at the papers and letters I had, she called the number for that department, they said they could mail it to her Branch where I could pick it up. Then they put her on hold for over XXXX minutes, transfered get to someone else who told her they sent it back to the Social Security Administration. I called and was told it wasn't returned to XXXX. So I went into another branch in XXXX XXXX, where I heard a conversation on the phone with another bank manager, who was saying " I don't understand what you're trying to get me to tell her. '' Three times she said that to whoever she was talking to. She got off the phone and handed me a phone number and told me I had to file an appeal on his claim. I was never contacted about any claim, nor given a claim number. Bank of America had to pay XXXX the money from that transfer. They lied to me several times about sending me my check. I called the number they gave me, and was told they had no idea what I was talking about.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing this account since XX/XX/2023 and the Credit Bureau keeps sending it back as verified when in fact it is not verifiable the name and information that is on the contract do not belong to me. I was able to retrieve the contract through the CFPB and the information on the contract is not mine but the bureau and said it was verified which impossible because its not my information. I also was questioning the reporting history and payment status on my credit profile that I pointed out to the bureaus that is in violation because it say the account was sold to collections and charged off but still reporting as open and reporting late payments on my credit report.I mailed out to the bureaus a FTC report and a dispute letter exercising my rights also the contract and a copy of the communication between me and XXXX XXXX and the CFPB which in that communication was XXXX XXXX saying that the credit Bureaus are the ones that put the information on my credit report. 
I mailed them all the documents and requested for them to delete and block the company XXXX XXXX but instead they sent the information back to the company for them to verify again, and I have zero confidence that the company will be honest because they have already violated my consumer rights and verified a unverifiable account even after I provided them a copy of the contract that don't have my information listed on it and I added my FTC report along with supporting documents as well and they said my FTC report is incomplete which is false. XXXX has already deleted the fraudulent account from my profile and I am having a hard time for XXXX and TransUnion to follow the law. 
15 Us code 1681c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 days of receipt. 
It has been 30 days and you are in violation of this Law because I am a victim of identity theft. 
I also was affected the XXXX Data breach.

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 2024-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received notice of debt from XXXX. XXXX Reference # XXXX. 
On XX/XX/XXXX by form of email to XXXX, I sent a Debt verification Request letter in which they responded to my request by email on XX/XX/XXXX that it was received and was going to be investigated and I would receive a response. 
As of today 's date XXXX, I have yet to receive a response to my request by XXXX XXXX, XXXX. 
On, XX/XX/XXXX I received a notice of debt from a collection agency dated XX/XX/XXXX from I.C. System Inc Reference # XXXX. 
Both agencies collecting for the same amount and creditor. 
XXXX never responded to my debt verification request and instead was passed on to I.C.System Inc. 
All documentation has been attached. 
My rights under the Fair Credit reporting act have been violated and request that this debt be removed or I will have to seek legal council.

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 2024-01-23 00:00:00
Product: Credit reporting 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:
I did open these accounts please remove thank 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The agency is still reporting debt collection which was discharged long ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
AMERICAN HONDA FINANCE Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$31000.00} Highest balance XXXX XXXX XXXX BALANCE IS WRONG AND INCORRECT, SHOULD BE UPDATED, REMOVED FROM CREDIT REPORT, HANDLED IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During my review of Experian Report # XXXX, I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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