vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: AE

Complaint narrative:
I have Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the PSLF/TEPSLF under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit PSLF forgiveness because the President of the United States signed a law that allows for these loans to be split and also forgiven under the PSLF program. 

XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, AIDVANTAGE in early XXXX. AIDVANTAGE does not have any information in their system about the loan. The loan still shows as being serviced by XXXX on the Department of Education Website. 

The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the POTUS signed last fall. I also want my portion of the loan forgiven through the PSLF program since I have met all the requirements for this. I have been serving in the U.S. Army since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 The XXXX XXXX is going to be the crazy one. I was never going to buy that car. I took it on an extended 2 week test drive, and they were so certain that I was going to buy it that they ran my info anyway without my knowledge or consent. They shopped my credit around on both of them when I told them to only run XXXX XXXX because I already had a really good relationship with them and car buying. They agreed, but they shopped it around anyway. And if you want my other reports that we bought that vehicle through XXXX XXXX and then went back on the 19th of the same month and bought another car, also through XXXX XXXX, they decided to shop my credit around again without my permission. Both times we had a verbal agreement with the salesman, manager, my wife, and I to only do XXXX XXXX. I know you all want to give the run around saying they all count as one, but that's not what credit card companies see when you try to apply for a credit card.. all they see is the amount of inquiries, not what they were from, just the number of inquiries. And also the number of inquires brings down your credit score so many points for each inquiry. According to the fair credit act that's illegal to begin with. They only had my permission to run one company and that's it. I want these taken off so I can get everything off of my report that shouldn't be there and I can put a freeze and all the bureaus.

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 2022-12-22 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX  when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX says that The Department of Education and the XXXX XXXX submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to XXXX. Once transferred the balance for the Department of Education should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXXXXXX XXXX XXXX It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
They reinserted this information and did provide in written notice accordance with 15 USC 1681i ( 5 ) ( B ) ( ii ) 15 U.S. Code 1681i- Procedure in case of disputed accuracy 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) Reinvestigate I am formally requesting a description of the procedure used to determine the accuracy and completeness of the information including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was charged extra money on my bank statement for atm withdrawals

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 2022-12-22 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: SC

Complaint narrative:
Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XXXX I left my home and began a XXXX. I didnt receive a letter sent to me from XXXX XXXX about my debt with TD Bank . I thought I had a payment plan with XXXX XXXX. On XX/XX/XXXX, XXXX froze my account and took my childs savings which is all we had. I am now on food stamps. I cant afford the payment plan they gave me on XXXX and they wouldnt work with me. I need help. I am going to have to close my checking accounts because I have other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a check of XXXX. Chase bank held this amount from avaliable funds, however the check still posted on the day it was received. Chase then decided to charge insufficient funds for transactions that were made ( and did not go over the XXXX ) after XX/XX/XXXX. Even though the check shows deposited before the transactions were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 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: SC

Complaint narrative:
Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items 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 non-monetary relief
Consumer complaint received 2022-12-22 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: SC

Complaint narrative:
Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items 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 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am with Shellpoint Mortgage. My payment for the month of XX/XX/2022 has not posted to my account.I am with the HAF Home Owners Assistnace Fund through the State of Florida. I checked with my HAF department and said check was sent out XXXX XXXX and showing received XXXX XXXX. 
I just would like to get my payment posted to my account. It is now XXXX XXXX and no payment posted. Not sure what the hold up is everyone to get these posted.Please locate my payment and post please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My sister, XXXX XXXX, purchased a car for XXXX and a finance of 19 % for 72 months, which equals XXXX. It has now been 10 years ( not 6 ) and she has paid XXXX and Regional Acceptance says she owes XXXX more, which will total XXXX for 2012 XXXX XXXX. 
They are violating MD Law 14-315 f ii, which states loaner can only charge 1.5 % of the monthly payment for late fees. 

She will sue them in court as well.

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 2022-12-22 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: IN

Complaint narrative:
I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-12-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disturbing information caused by identity theft. Trans Union has sent me letters telling me that their investigation concluded that I am lying. XXXX has removed some of the information already, not sure what transition need besides what I already submitted. I just want the cfpb to realize how these companies hurt consumers

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 2022-12-22 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: SC

Complaint narrative:
I am a victim of identity theft because I have been incarcerated for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in jail. Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
BULLCITY FINANCIAL SOLUTIONS ACCOUNT XXXX BALANCE : XXXX THIS COMPANY IS IN DIRECT VIOLATION OF 15 U.S. Code 1692e AND MANY MORE. Bull city financial has failed to complete my request and afterwards is giving me false information in connection with a debt that is not owed because debt was cancelled through irs form 1099c and written off and is taxable income so how can a debt be income? This is proof of false and misleading. Also my debt validation request still has not Ben completed due to the fact of the response I received in correspondence to my validation request and it lacked all relevant information for validity of such alleged debt, such as a copy of the original contract with my signature for the debt, a full payment history from the original creditor, the name and address of original creditor and the proof that they own or have Ben assigned the debt to collect. I AM NOT REQUESTING A REINVESTIGATION! I AM DEMANDING REMOVAL OF ITEMS DAMAGING MY CONSUMER REPORT AND BEING FALSELY REPORTED INACCURATELY WHICH IS ALSO A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: GA

Complaint narrative:
On XX/XX/2022, Experian Bureau was notified to delete all addresses and phone numbers listed on my credit report/file. A certified dispute letter ( certified tracking # XXXX ) was sent directly to the company for corrections to be made immediately. 

Experian has been advised of the violations being committed according to code 15 USC 1681a Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
Account was hacked and depleted. I contacted US bank and they investigated and said they wouldnt do anything. XXXX was used to withdrawl {$130.00} out of my checking. Then XXXX was used to withdrawl {$130.00} from savings then once those cleared XXXX was used to withdrwal {$3000.00} from savings clearing me out completely. I have never used XXXX ever. I told my bank that I never authorized this and there should be some protection for this activity. The fraudulent user went under a name of a XXXX  XXXX XXXX XXXX. I asked US Bank that they should have some sort of fingerprint of the transaction and we could be able to go to that user but they said they would not assist. They said everything was done on a device they recognize. I have filed a police report. Im not sure what else to do. There are reported issues with XXXX and scammers but my bank wont do anything to assist me.

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 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I am writing regarding our home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX. 
We have a situation with our mortgage and your bank which is extremely upsetting to us and we hope you can assist with this matter with urgency. 

We applied for a loan modification and received approval. We signed in front of the XXXX consul in XXXX, XXXX where we were for work and sent via XXXX to your address. ( Tracking # XXXX on XXXX / XXXX / XXXX to Final Modification Documents XXXX, Wells Fargo Home Mortgage, XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 

I am attaching all the relevant information. I was constantly checking the loan tracker to see our updated information but the system continued to say it was updating our information. 

We became very concerned with the lack of information and decided to simply pay the old mortgage rate so as not to get behind. 

We continued to try to reach someone but were either put into a black hole of waiting or were told by phone operators that the information was being updated. 

Our payments were not applied to our mortgage ( new one ) of the moment but rather used to pay back payments that had been pre approved due to XXXXovid 19. The Covid 19 payments were to be paid at the end of our mortgage payments and we had this in writing and I believe was the law in the XXXX. 

We were trying to do the right thing by paying but instead have now received a foreclosure document and are still unable to get any information. 

Please assist, this is exactly the kind of extortion that has put Wells Fargo in the news again. 

I was only informed on the website that we had a notice of default and I have contacted multiple Wells Fargo phone agents all of whom say different things and none of whom seem available to help us. 

We are trying to pay our mortgage and keep our home. 

We applied and were approved for a modification. I do not understand what is going on. I hope someone with knowledge and power can assist immediately. 

The best way to reach me is through my email as I am often abroad for work related issues. 

Thank you. 
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