vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
I am having various ongoing issues with the Department of Education, my previous student loan provider was XXXX XXXX, then Navient and my new student loan provider Aidvantage. I have filed multiple complaints with the Department of Education and Navient regarding loans being listed on my account that does not belong to me as I had never ever attended these schools. The loans and schools listed are XXXX University which I received a settlement card and notice last year regarding fraud with this school and XXXX. Department of Education and Navient is refusing to remove and update these loans from my account accordingly. Aidvantage has taken over the loans from Navient as a result of their recent lawsuit. My other issue is that during the course of COVID-19 Navient & Aidvantage with regards to my student loans allowed my loans to accrue interest even though they were not supposed to during COVID-19 due to laws that were put in place as a result of this. During this time, I went from having a prior balance of {$180000.00} to now owing almost $ XXXX. I am a current student at XXXX XXXXy XXXX XXXX XXXX, and I have 3 classes remaining to complete my MBA degree according to the school I do have not enough money to finish as I have reached my aggregate limit despite having loans in that I accepted with the school in the amount of {$9100.00}. Every time I call or send an email no one responds, and I receive the runaround constantly to no avail. I have not worked for 25 months since COVID-19. I have no money to pay XXXX or the current balance that is listed on my account with XXXX that must be paid in full before I can even register for classes. The school is refusing to offer any type of assistance to me despite the fact that I have amazing grades and a 3.5 GPA. All the money they make off of students and they can not assist one student with any type of assistance? There is no money for us as students at the graduate level like it is for those at the XXXX level. My only recourse would be to file XXXX XXXX  XXXX XXXX which would wipe out all of my debts. XXXX told me to apply for the XXXX XXXX loan which is the only option I would have in order to complete my last 3 remaining classes however I have no income so therefore this is not an option either. If my student loan account is updated as it should be by removing the 2 schools that I did not attend, I would have more than enough money to finish my last 3 classes. I am only responsible for paying for the one class and then XXXX would be responsible for paying for my last 2 classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am a victim of identity theft, someone used my information to take out a {$720.00} loan with Self Financial. I did not ask for this loan, I did not apply for this loan. I have XXXX and I was notified by them about a credit change on my credit report. When I looked at my credit I found this loan on my XXXX credit report. XXXX is now trying to take care of this for me through their restoration process. This merchant is hard to get a hold of, no one answers the phone when calls are made. If calls are answered no one can help, can tell me if they received the documents XXXX sent to them on my behalf. I need this to be looked at on a higher level and get this account as fraud and removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX XXXX account # 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.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
The new companies name is " Genesis FS Card Services ''. 
When starting to build my credit years ago i had signed up for these 2 credit cards that were owned by a different company. Each only had a {$300.00} limit with no annual fee. I obtained these cards simply to sit on and build up my total credit limit. 

Now several years later a new company has acquired ownership of the Indigo and Milestone cards. I suddenly started getting bills for a {$100.00} annual fee per card that i never signed a contract for. 

I tried to go onto their website to pay the bill/cancel the cards but all of the links on the website are dead. My bank will not connect to this website to allow me to attempt to pay this bill and the 2 phone numbers provided on their website are disconnected. 

I am not sure what to do in this situation, i would have never signed up for a {$300.00} limit card with a {$100.00} annual fee as i have 4 other credit cards with limits over {$3000.00} that have no annual fee. 

Here are the websites i am expected to pay the bill from, but they are non functioning and custom service is non existent. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I instantly deposited {$220.00} from cashapp owned by XXXX XXXX to my card. It is missing. They will not help me file a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NY

Complaint narrative:
I reached out to Experian in XXXX and informed them that I was a victim of Identity theft with XXXX XXXX XXXX XXXX of Maryland. I then sent them my personal Identification proof ( Driver 's License and Utility Bill ) along with this was my affidavit for data breach where my information was stolen. I heard nothing from the company despite the my efforts and when I called they told me that they had nothing on file for me despite me having proof of the certified mailing arriving. I did not give permission nor did I seek any products from these Lenders

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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
Aargon company I do not owe this company nor have I done any business with this company with this company before, they do not have and contract from the above named company with my signature.

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 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a check from XXXX XXXX XXXXXXXX and deposited on the XXXX of XXXX. 
it is now XX/XX/XXXX and i still havent received my money.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Called in XX/XX/XXXX To the credit card department after noticing that that there were 4 unauthorized payments made on my credit card from my checking account, resulting resulting in More overdraft fees from truist. ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) After spending about 45 minutes on the phone the representative said there's definitely an issue with my account because my account only exists in the app and it doesn't actually exist on the website so I can't interact with or correct the auto pay that somehow set up on my account and they can not correct it either. When the individual wants to transfer me to the digital operations department they hung up on me and I just couldn't handle the 30 minute wait time to speak to a representative again. 

I have had this account for over 15 years It's really saddening the issues that truest has been causing since the transition. Unfortunately I am in a position where I am forced to continue using this account because my works direct deposit system.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, XXXX, and Transunion refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I would like checxsystems to update my address to to be my safe at home address exactly as it is on my id card.

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 2022-04-15 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: WI

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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XXXX I was invited to apply for a credit card with the promotional offer of XXXX points and {$200.00} statement credit if I spent {$500.00} in first month. I applied and was approved. 
XXXX I received a promotional email inviting me to apply for the same card I was just approved for. The promotional offer is spend {$5000.00} within first 3 months and receive XXXX points AND companion pass. 
XXXX I called to see if there was any way I could get the better offer. I was told that I could and to allow 1-2 statement cycles for the promotional change to take place. 
XXXX I call to check the status of the promotional change. I was told that the order wasnt submitted previously because I hadnt met the {$5000.00} spending requirement when I called initially ( I dont think that should have mattered since the offer said the spending needed to be completed within 3 months ). The rep submitted my request and told me to expect a letter in the coming weeks. 
XXXX I review a letter from Chase dated XX/XX/22 stating that my account isnt eligible for the offer. I called to see if someone could make this right. Everyone just told me Im not eligible. I was eligible to be approved for the card. I was eligible to receive the promotional email for the better offer. I have already met the spending eligibility requirements for the better offer. If there is another eligibility requirement. That has not been communicated to me and I believe that is a UDAAP violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/XXXX portfolio recovery sent me a letter denying any inaccuracies that they are furnishing to the credit reporting agencies XX/XX/XXXX I sent them a letter pointing out the errors as blatant proof since they denied any inaccuracies XX/XX/XXXX portfolio recovery received my letter XX/XX/XXXX I received results from experian claiming they have updated this account. mind you absolutely no valid reporting fields were updated. false results XX/XX/XXXX I pulled my updated consumer reported with experian and XXXX XX/XX/XXXX and I saw that portfolio recovery recently reported to both agencies on the same day XX/XX/XXXX. they also reported two different 1st deliquecy dates maniupulating the federal time frame for his account to be removed. experian says on record until XX/XX/XXXX putting the date of 1st deliquency date XX/XX/XXXX and XXXX reports the date of first deliquency XX/XX/XXXX XXXX how can they report on the same day but with different information. there is only one date of first deliquency date. I also took upon myself to pull a trimerege consumer report with smart credit XX/XX/XXXX and noticed XXXX also let portfolio report XX/XX/XXXX and they have updated the date of last activity to XX/XX/XXXX also. wouldn't that be re-aging this account? I pointed out all the inaccuracies and inconsistencies that porfiolio recovery has done to my consumer report and I am tired of them not complying under laws. they are violating my right to privacy, they are bring unfair by doing improper proceedures to correct this account. I have already put them on notice and I want this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNCs takeover of BBVA Compass has been a nightmare for our family. Its also been terrible for our business ( payroll for almost XXXX people! ) but I will stick to our personal banking situation. Our debit cards do not reliably work for transactions in person, online, or for ATM withdrawals. Weve resorted to always carrying an XXXX XXXX card with us at all times. Weve had major and minor transactions declined and feel as though our money is held hostage by PNC. In conversations with various retailers at the point of sale they say that they hear complaints about PNC all the time. I handed my card to a gas station attendant a few moments ago and she said oh I hate this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AZ

Complaint narrative:
I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. Equifax, XXXX, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AZ

Complaint narrative:
I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, Experian, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the past 6 months, I have made multiple requests to Transunion to remove my student loan balance which has been forgiven in full. All other reporting companies have complied, but Transunion has refused to even confirm receiving my request. They also have not removed an auto loan which has been shown to have been paid in full for over 5 years under 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: IL

Complaint narrative:
I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. CREDIT PLUS ( XXXX  XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  account # XXXX XXXX account # 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.

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