vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, XXXX you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX Date:XX/XX/XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, XXXX you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,

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 2022-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There was an unrecognized hard inquiry put under my name on XX/XX/XXXX by Bank of America. I called Bank of America on XX/XX/XXXX and they committed to perform a credit scanning which will take 90 days. This is already a violation according to the Fair Credit Reporting Act - " the bureau ( s ) have 30 days to respond to your dispute and remedy the mistake if they verify that an unauthorized inquiry is, in fact, a mistake ''. And on XXXX when I called the fraud department number that they left to me ( XXXX ), the agent said there was never such scanning requested. I spent almost two hours with customer service and was transferred back & forth for a few times until I got someone answered the phone from fraud protection department. They admitted it was their fault and said they would contact XXXX to remove the hard inquiry from my credit report, which would take another 90 days. This bank has already lost my trust and 90 days for a non-trackable process is not tolerable, I am requesting them to expedite the process and give me reference id to track the progress, it definitely requires more transparency and needs a guarantee of correction of their fault.

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 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Try calling the company but no one could help me or did not know what this was for. All the call I made, i asked to speak to someone but the person on the other line could not help me or find anything under my name. 
number I called was XXXX. 

Please help me trying to clear this from my account. Credit line. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NH

Complaint narrative:
I took out around {$19000.00} to get an XXXX degree from XXXX. I was an independent student so at the time federal loans and grants fully funded my education. When I graduated I had a job that barely allowed me money to live. I consolidated all my loans to XXXX XXXX who subsequently sold the loans to AES aka PHEA. From around XXXX my loans were serviced by PHEA. early on in the repayment I defaulted and the amount grew to {$29000.00}. I was able to get back on track but in XXXX I was getting divorced and again found myself unable to pay my loans. After exhausting my Forbarences I was in hours of conversation with PHEA as to how I could get on an income driven plan to lessen the burden. I was told that the only way I could do that would be if I went into default. Shortly after the 120 days were up in I was in financial ruin, I was contacted by PHEA and offered an income driven repayment plan, I took the offer. I was told that my payments would be $ XXXX month until I didnt qualify anymore. I was also told that because I defaulted that my new loan with the collection fees would be {$59000.00} and that all my qualifying payments made towards PSFL Would no longer qualify and that I would need to start over. My loans are now {$89000.00} ( I added {$2200.00} for a masters mostly because being a XXXX XXXX XXXX again was safer ). I asked PHEA to audit my loan for months as I though that {$30000.00} in collections fees were absurd but they sold my loan to a new servicer and never answered my correspondence except once to say that they no longer service my loans. I recently learned that the state of Massachusetts sued PHEA for the very practices that I am speaking of and I was excited that someone was doing something. I was living in Massachusetts until XXXX which my luck would have it is the exact cutoff for the lawsuit. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
I was locked out of my cashapp account. I messaged cashapp customer support asking if I could make a second cashapp account with a different email, which is the now locked account. They told me yes, I could. I made and used the second cashapp account for a period of around 5 days before my device broke. Upon attempting to login to my account with the new device, the security check failed because it wished to verify the contacts on the phone and wouldnt let me try any other verification method. As it was an older phone, the security system denied and locked the account because the contacts didnt match up enough. I have tried regaining access through customer service multiple times over the last 10 days, since XX/XX/XXXX, and cashapp customer service says there is no way to override this decision and instructed me to make a new account. I also just received the cashcard for the account, and am not able to activate the card to withdraw my money. I have given cashapp customer service everything required to verify my identity including my SSN and a picture of the entire cash card that they sent me in the mail with my cash tag on the card, and they still said they can not override the decision. I have {$420.00} dollars on the locked account and they refuse to grant me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, equafax you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions! 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank/ XXXX XXXX during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my C & D will be documented and used as exhibits for knowingly and willfully violating federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: WA

Complaint narrative:
My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2022, my credit report was falsely reported by cornerstone financial and Experian. My account was placed in collection without notice and reported as 90 days late after only 30 days. I have yet to receive any information regarding this account being falsely reported.

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 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal is very deceptive in its transfer money system. Whe a customer goes tot he " money out '' section of their account to send money to their personal banking institution Paypal offers two options for how to do it : 1. No Fee - within 1-3 business days 2. {$25.00} fee- to transfer within seconds The issue is that the company has intentionally designed the XXXX so that you can't tell which option is selected, they are both blue. If you click on the " No fee '' button, the blues shift but you have no idea if that's what you've selected or not, both buttons look like they couild be selected. However, if you click the " {$25.00} fee '' button the screen immediately takes you to the processing screen. 

This XXXX design is deliberate to trick a small % of unwitting consumers out of {$25.00}. It is in the same vein as the old scam banks used to run with how they prioritized your purchases and deposits to ensure you overdrafted if at all possible.The government did a great job of shutting that scam down. You could make another huge difference for consumers by having PayPal stop trying to take advantage of consumers with its deceptive XXXX. It's sad the company feels this is necessary for its business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX  XXXX XXXX {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- BMW Financial servic {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- Bank of America {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- XXXX XXXX XXXX {$24000.00}

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 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

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 2022-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made 3 following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

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 2022-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recieved a loan from Sallie Mae, Now Navient, in XXXX. 

Earlier this year loans such as mine were deemed fruadulent and the Federal Government stated that Sallie Mae should cancel the loans. The criteria was that the loan be subprime OR from a list of schools, mine was on the list of Schools. The loan must have been from XXXX to XXXX, mine was from XXXX. It must have been discharged before XX/XX/XXXX, mine was discharged in XX/XX/XXXX. The barrow must have been from one of XXXX states, California included which has always been my state of residence. 

Sallie Mae XXXX Navient, has refused to cancel my loan, they are currently saying that I owe {$81000.00}. This is preventing me from purchasing a house as it shows that my debit to income ratio is to high. 

I have spoken to Navient and XXXX XXXX as well as the collection agency and specifically XXXX XXXX. They claim that my credit score at the time of lending was too high. However the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, was specifically named as being a school that was part of the group commiting fruadulent lending practices and should have never been offered as a loan. There was state and federal law enforcement actions were taken against the school. The loans deemed preditory in nature. 

I am trying to get this resolved as the stress associated with it has caused me to be given XXXX XXXX XXXX  and my therapist has even deemed that I would be elegible for a service dog due to my increasing XXXX XXXX. Other than the stuff around the limitation due to these loans there is nothing that triggers these XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2022 I contacted someone on XXXX who said that they would sell me concert tickets. I wanted to pay for a ticket 1 at a time so we came to the agreement that after I paid, the person would send the ticket. Immediately after, they said that there was and error that would not allow them to send transfer the ticket and said they could only send two tickets but demanded that I pay the remaining balance. The person refused to send me any proof that they were unable to transfer the ticket so that's when I knew I got scammed. 

The money was sent through XXXX and the tickets were supposed to be transferred through ticketmaster

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