vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
A applied to be switched to PAYE repayment plan and aidvantage received my application on XXXX. It takes 8 weeks to process. But during processing my account needs to be switched to processing forbearance according to dept of ed 60 days of processing forbearance count toward PSLF credit. I have XXXX payments toward pslf already. 

I have called and chatted with aidvantage 6 times. I have been told there is no such thing as processing forbeance. Ive been told processing forbearance doesnt count for credit. Ive been told it should happen automatically. Last person I talked to said they expedited my complaint and I would be back dated a processing forbearance by XXXX and it still hasnt happened. 

I should be switched to processing forbearance like all other borrowers. 

A like on advantage website to dept of ed explains the process and how it counts. 

Aidvantage wont do it because it will affect their bottom line getting pslf loans forgiven more quickly. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit. In that correspondence, I requested EXPERIAN to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EXPERIAN. I strongly believe that EXPERIAN employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EXPERIAN intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EXPERIAN to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and 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 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have been informed by XXXX that I have been a victim of data breach that happened in XXXX, XXXX and XXXX XXXX expressed the same sentiment as my information has been exposed to two different breachs subsequently after the XXXX breach I would like the collection and the credit card account to be deleted from my report in a timely manner however they failed to do .that is the base of my complain and I seek deletion of the items in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I sent {$1300.00} to a phone number via chime. With chime your Supposed to be able to pay anyone With or without a chime account. The person that I was sending it to did not have a Chime account so I sent to her phone number so she could put it on her bank card. The recipient never received a text And it was saying the money was off my account so she Called chime from her phone The automatic system told her that her balance was XXXX. But She'd never Made an account with them so she spoke to someone and apparently someone made an account in their name with her phone number She told them that it was fraud they told they removed her phone number from the account but she could not have the money Because she never made an account with them she can prove That she has had that phone number for 10 years. I tried to dispute it. They denied me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am trying to get my payoff amount on my loan. I have called numerous times and have had no one answer my call, so I sent a letter XXXX weeks ago, and have not heard back. 
The company is Shellpoint mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was the victim of identity theft and fraud last year. My 5/3 Bank checking and savings account numbers were most likely leaked in a data breach and XXXX XXXX XXXX in fraudulent charges and transfers were made to various merchants and foreign banks. I worked with 5/3 to report the fraud and close the compromised accounts, and all issues were quickly resolved except for the XXXX  charges. Someone opened a new XXXX account and charged {$720.00} in rides between XX/XX/year> and XX/XX/year>. The documents from XXXX indicate that my email address and phone number were used for the XXXX account, but I never received a single email or phone notification from XXXX to this email or phone number. The customer information section at the top lists the name of someone I don't recognize. 

The 5/3 fraud department investigated and tried to dispute the charges several times, but XXXX kept coming back saying that the account and charges are valid. I tried to appeal the dispute each time and provided as much information as possible to prove the charges werent mine, but all were denied and the bank said we needed more substantiation before appealing again. Since then Ive been trying to gather as much information as I can without much success or help from either company. 

The documents XXXX shared with the bank and me were all illegible ( the pages were all distorted making it impossible to read small text ), so it hasnt been helpful. I requested clearer documents several times with no response or the same blurry documents sent several times. I need these documents to report identity theft to the company XXXX, which is the intermediate company listed on the documents as paying the XXXX charges from my bank account. I need the transactions numbers to be able to report, and they are too blurry to read. I tried contacting XXXX directly for information, but they wouldnt share anything with me. I'm attaching an example of the documents to show what I was provided when I asked for substantiation as to how their dispute department came to its decision. 

Ive spent months trying to solve this issue, both 5/3 bank and XXXX have been unhelpful at every turn. I just found out about this agency and Im hoping for some additional guidance or help getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I VE SENT 5 NOTICES Notice of Conditions of Acceptance 1. Prove who you are : I do not know you. \n 2. Show evidence of a contractual agreement between you and me. \n 3. Provide evidence of how you entered into this supposed two party agreement as a third party. \n 4. Provide evidence of this supposed debt, i.e who it is that is the original creditor? \n 5. Provide evidence of the original amount owed. \n 6. Provide evidence as to how much it is that you are attempting to collect are fees and how much you are attempting to collect is interest accrued. \n 7. Prove Agency. Provide evidence that you have legal authority to attempt to collect this supposed debt, i.e. evidence of your contract with the supposed original creditor XXXXXXXX XXXX. \n XXXX. Prove and identify those individuals whom have first hand knowledge of this supposed account. I NEVER DID BUSINESS WITH A T T i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( XXXX ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX I OWE NO DEBIT AND I REFUSE TO PAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I ask that you treat this complaint with the seriousness it deserves. My credit report includes mixed and inaccurate information, such as accounts, transactions, and items that are not mine and with which I have no association. This issue is deeply troubling and has caused me significant stress and XXXX, as it directly impacts my financial stability and personal peace of mind.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is being sent with urgency and is not a mistake. My credit report contains false and inaccurate information, which is causing significant stress and negatively impacting my life.

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 2025-01-06 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
SEE ATTACHMENTS Achieve TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 3rd PARTY DEBT COLLECTOR, Illegal to buy or sell debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank/ XXXX  is still reporting to my credit report. They sold this account to XXXX XXXX which they then took me to court for. This case was dismissed by the court so I am asking that they stop reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX AND EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX  ( AMOUNT : {$14000.00} ) a. Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ) DEPT OF EDUCATION / XXXX XXXXXXXX ( AMOUNT : {$31000.00} ) a. Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a. Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( AMOUNT : {$310000.00} ) a. Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX ) XXXX XXXX XXXX XXXX ( AMOUNT : {$38000.00} ) a. Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX ) XXXX XXXX XXXX XXXX a. XXXX XXXX XXXX, XXXX, TX XXXX XXXX ) XXXX XXXX XXXXXXXX - XXXX ( AMOUNT : {$2000.00} ) a. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had gone out to XXXX XXXX XXXX with my family and we spent quite a bit of money enjoying ourselves. I had gone to the ATM machine that is handled by XXXX XXXX. I requested several cash advances. In order to retrieve more of my money from XXXXXXXX XXXX XXXX cashier 's cage.. I made a total of seven transactions. However, Chase charged me double the amount of each original transactions. So for example each transaction I made they duplicated. I brought it to their attention the next day or 2 days only for them to deny me the claim after I submitted my receipts of what I actually pulled out. Therefore, it led me on a XXXX XXXX  chase. I was told that because I use a different method to retrieve my money it was the merchant 's responsibility to refund me my money. I was then told to go file a police report. I was told by Chase that it was risky transactions. I was also asked to get a new ATM card. I was hung up on after inquiring about what took place. I try to explain to the representatives in which all are of XXXX and that I had received a letter stating that they were going to take the reversal back out of my account on XX/XX/XXXX which it happened today and it overdrew my account. However, on XX/XX/XXXX and XX/XX/XXXX I received XXXX emails notifications and letters from Chase stating that they were not going to retrieve the reversal funds from my account for those transactions. This was after I submitted my evidence from the merchants, XXXXXXXX XXXX XXXX  XXXX and XXXX. Proving to Chase bank the exact amount of times I had retrieved the monies from the cashiers cage. Please be advised that I've been with Chase Bank for a very very long time and up until last month I have had this issue with their transactions. I find it awfully funny that whenever I go to XXXX XXXX  which is locally as well I have never had a problem or issue like this happened to me. This just started and each person I spoke to from the merchants regarding Chase have stated that for the past couple of months this duplicating transactions have only happened to their Chase customers. They have seen an increase in their customers fighting to retrieve their money from Chase Bank only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
XX/XX/XXXX : Invested money through Mellon Bank at their XXXX XXXX XXXX XXXX Mellon XXXX ). Received a XXXX XXXX XXXX XXXX ' XXXX with a value of {$1300.00} at maturity 48 months after issue. ( the certificate was lost for over three decades and these are the attempts to claim its value ) A scan of the certificate can be provided on request XX/XX/XXXX : Contacted PA State Unclaimed Property Office. They found no record of the certificate being tuned over to them from either Mellon or XXXX XXXX. 
XX/XX/XXXX : Contacted XXXX Mellon to attempt to find records from the branch office. They said they have no records for the residential accounts. I would have to follow up with XXXX XXXX. 
XX/XX/XXXX : At a XXXX XXXX  XXXX, they could find no record of the certificate. They said to treat it as a XXXX in any inquiries. 
XX/XX/XXXX : Spoke with Pensions/Retirements division of XXXX Mellon XXXX They were unable to help. 
XX/XX/XXXX : Contacted Federal Office of the Controller of the Currency ( OCC ). They referred me to the FDIC and XXXXonsumer Protection Bureau. 
XX/XX/XXXX : XXXX FDIC who suggested searching on XXXX XXXXXX/XX/XXXX : began this complaint process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 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