vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
back in XXXX  i had car from XXXX was accident and XXXX by ins, company but some how car lease did not get paid in full they putt me in collection never want to resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TN

Complaint narrative:
I am having trouble getting my PSLF  applied, even though I have met the requirements. I was given an estimated date of eligibility of XXXX. I applied for forgiveness and the yearly employer certification at that time. I called the customer service line and was advised on how to proceed with the application for forgiveness. I was told the process could take 90 days to complete, but it is now mid XXXX, and although Ive called and emailed several times, Ive been given no timeline for processing nor explanation for the delay. I know that loans are currently in forbearance due to Covid 19, but I would like to see this resolved before that forbearance ends since I met the requirements for such more than 7 months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I filed A complaint with them a while back asking they verify my debt and they have failed to do so. now im asking for better assistance to have the collection removed off my file. its really shows affect on my score.

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 2021-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies. 

XXXX  1. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
623 DIS : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
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
Consumer complaint received 2021-06-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies.

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We started for Forbearance process in XXXX of XXXX. Mr. Cooper did not start the process till XXXX which caused us default loan by 30 days. The era was on Mr. Cooper 's side they have repeatedly told us they would fix it and take off the 30 days late and they have not done that to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
Back in XX/XX/2015 I opened an Eagle Loan of Ohio account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay Eagle loan and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though Eagle never responds to my direct validation requests?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My employees had given me a {$50.00} XXXX ( TD Bank ) gift card for my birthday. I never used it ( it even still has the sticker on it that needs to be removed before use ). I found it in a box with other gift cards in XXXX during COVID and realized that it expired XX/XX/XXXX. I wasnt going out or spending much money in XXXX due to the pandemic and not working, and I knew that I could have the money put on a new card. I phoned the number on the card yesterday, finally ready to begin to go out again, to ask about having the balance ( {$50.00} ) put on a new card. I was told that the card was registered in XXXX ( I have no way of knowing that ), that the card has been closed, has no value, and that I should throw it away. The card does NOT list NJ, where I live, as one of the states that has a monthly inactivity fee. It says on the back of the card that the funds do not expire. It also says, You can request a replacement card at no charge, following the Good Thru date if there is a remaining balance. Does it make sense that the unused card has no value?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a certified letter to Experian/XXXX  XXXX and XXXX  to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX/XXXX XXXX/ XXXX XXXX- inq XX/XX/XXXX XXXX main inq-XX/XX/XXXX XXXX/XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX -inq XX/XX/XXXX These are some of the companies that ran my information without my permission

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 2021-06-19 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
XX/XX/2021 My name is XXXX XXXX i was checking my credit report and this name company was listed on my report i called bout the lady said couldn't find any information or anything bout me on file not my phone number ss # address nothing..need to know what its bout or who tried to use my information

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 2021-06-19 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: OH

Complaint narrative:
Back in XX/XX/2015 I opened an XXXX XXXX XXXX XXXX  account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay XXXX XXXX  and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though XXXX  never responds to my direct validation requests?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX, XXXX of 2020 late payments were due to phone calls not being taken after XXXX. They would leave me on hold for over a hour and disconnecting the call. Once I called back the system would say call back during normal operation times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I remember in XXXX I had an emergency. I went to XXXX hospital. I passed 2 to 3 hours in the hospital. I had XXXX. I gave all medicaid papers. They made copies of them. After weeks, I received a bill amount of {$850.00}. I called them for explanation. They couldn't justify this amount. I called next Florida Department of Children and Family ( DCF ) who gave me the medicaid. They told me they already paid the hospital. You can investigate. After 2 or 3 months Florida medicaid ( XXXX ) sent me a letter asking me if I recognized that the hospital gave me this service at that time. Florida medicaid finished this letter to let me know they are trying to control fraud.I responded Florida medicaid yes I recognized this service and I take advantage of this opportunity to let them know that I received an other bill ( {$850.00} ) while DCF had already paid for the service the hospital gave me.I included the letter that they sent to me in the correspondence sending to Florida Medicaid. 
They sent after this account to the collections. XX/XX/XXXX collections account removed. 
2 weeks ago they sent to me a letter where they explained me that the account ( {$850.00} ), the debt, is sold to an other entity ( XX/XX/XXXX ). So, making a glance at my credit score today I see that it has been decreased at XXXX. ( Less 31 pts ). I am convinced that this decision is unfair. If you want to justify ; you can contact Department of Children and Family ( DCF ) for more information. The service was provided to me by the hospital on XX/XX/XXXX. I am sure you can retract it. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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:
I have a collections account on my credit report, it belongs to my son, we have the same name, it is for progressive insurance, Ive never had progressive, I called the collection agency, they confirmed its not me. Experians investigation is lousy, they see the name and assume its me, once i gave the collection agency my birthdate, they told me its not my account, why is experian being so lazy, please assist me with experian, Im trying to refinance my house and that collection account is hurting my credit score,

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 2021-06-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
623 DIS : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I attempted to stop a fraudulent electronic money transfer from my account to a scam artist. Bank of America would not stop or cancel the transfer despite it being still " in process ''. I sent the fraud perpetrator {$3300.00} on XX/XX/2021. The Fraud Department of Bank of America would only file a claim within their own institution and did not assist me in attempting to halt the transaction. They have yet to assist me in recouping the 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 monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. XXXX honored the fraud claims, but Zelle ( which I have never personally used ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. I reached out to Zelle more than 6 times and each time they said they were investigating. The XXXX was XXXX, XXXX XXXX XXXX XXXX ) XXXX and the case number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a certified letter to XXXXtrans union and XXXX to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXX XXXX XXXXXXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are XXXX of the companies that ran my information without my permission

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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a certified letter to XXXX XXXX and Equifax to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXXXXXX XXXX  XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These are some of the companies that ran my information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.

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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.

Company response to consumer: Closed with non-monetary relief