vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX FedLoan first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from FedLoan to XXXX XXXX XXXX. ( The phone number for FedLoan is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. FedLoan did delete the negative reporting from my XXXX but not from my XXXX or XXXX, to this day they still show negative reporting and show my 5 FedLoans to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason FedLoan never deleted the collection status from my XXXX and XXXX. They did delete it from my XXXX report but not the XXXX or XXXX as they were supposed to have done. Once my student loans were out of default and reflected a positive status Fedloan was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because FedLoan has not done this my XXXX and XXXX credit scores are far lower then they should be. This inaccurate reporting is effecting my XXXX and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call FedLoan to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to XXXX XXXX XXXX they act as if there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
A merchant, XXXX issued a credit of {$34.00} to my Discover card XXXX on XX/XX/21. I received an email confirmation from XXXX of this transaction on XX/XX/21. XXXX XXXX is a closed account, so Discover has to transfer the credit to my current account, but is unwilling to do it. 
I made two formal complaints with CFPB XX/XX/21 and XX/XX/21 regarding this issue. Discover 's response to the first complaint was that they didn't have a record of my having card XXXX, so they couldn't return my money. Discover 's response to the second complaint is that they do have a record of card XXXX, but there is no credit of {$34.00}. 
I have confirmed with XXXX on two different occasions, XX/XX/21 and XX/XX/21 that the credit was issued to Discover card XXXX since XX/XX/21, so it does not make sense that Discover does not have the credit. 
Discover 's policy is that they transfer credit from closed accounts to current account within 72 hours. This has not been my experience with Discover. They have never transferred credit from a closed account to a new account within 72 hours. I have always had to call in to initiate the transfer process after waiting for a month without any action from them. If I didn't call, I would not have received the credit. 
Discover continues with this deceptive practice to avoid crediting consumer 's account. 
My credit has been with Discover for two months and it still has not been transferred. I called the merchant twice regarding this matter, each time they confirmed the credit was issued to card XXXX on XX/XX/21. This leads me to question Discover 's conclusion that they don't have the credit in their system. In addition, I wonder if Discover ever called XXXX during their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the WF GAP insurance on the auto loan should have paid the remaining balance, as promised. Wells Fargo Dealer Services sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XX/XX/XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.

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 2021-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA # XXXX is still reporting on my credit report when it was supposed to be removed XX/XX/2021.

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 2021-10-25 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: FL

Complaint narrative:
I did not consent to authorize nor benefit from the following inquiries. Block and remove them. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. US SM BUS ADMIN ODA XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclaycard ( Barclays bank delaware ) unexpectadly cancelled my automatic payments which resulted in a late payment in XX/XX/2021. 

There was no letter or email that the automatic payments would be stopping for no reason. 

I have a 30 late payment showing for XX/XX/2021 on mycredit report that needs to be corrected.

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 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I Consumer XXXX entered into a consumer credit transaction with JP Morgan Chase Auto Finance via automotive dealer XXXX XXXX XXXX on the evening of XXXX XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 states that a finance charge is the sum of all charges in a consumer transaction. The finance charge is not supposed to include cash, but XXXX XXXX XXXX in fact insisted that I put a " down payment '' on vehicle, originally asking for {$6000.00} cash for the vehicle, but changed this due to the sales rep stating I would only have to put {$3000.00} cash down, before discussing with the finance manager. XXXX XXXX XXXX took {$3000.00} cash from me on behalf of JP Morgan Chase Auto Finance. Also, the finance charge is supposed to include auto insurance, but XXXX XXXX XXXX made me purchase insurance separately. There was no list shown or given during this consumer credit transaction. Furthermore, After learning I was violated as a Federally Protected Consumer under multiple FDCPA laws, on XX/XX/XXXX I had an Affidavit of Truth, Affidavit of Notary Presentment, Invoice and Exhibits from Contract, notarized and sent to JP Morgan 's registered agent XXXX XXXX of XXXX Texas via certified mail on XXXX XX/XX/XXXX citing the violations against a Federally Protected Consumer in which they know they violated. JP Morgan first Registered Agent mailing address was in a warehouse in which no one signed for the certified mail and was returned to my home. I then took picture of the returned mail, and resent it via certified mail on XXXX XX/XX/XXXX to registered agent Chase Auto Finance, XXXX  XXXX  XXXX  in XXXX texas in which it was signed and delivered XX/XX/XXXX. It has been over 45 days and I have not heard back from JP Morgan Chase Auto Finance. I would like a reply to the delay and remedy due to the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is still reporting on my credit report when it was supposed to be removed XX/XX/2021.

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 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
This company continue sending mail. This account is under a class action lawsuit against XXXX XXXX and won by the defendants and class, the case has been close judge order was and company trying to collect is Constar Financial Services LLC a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NJ

Complaint narrative:
I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.

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 2021-10-25 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: NJ

Complaint narrative:
I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to XXXX  and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
XX/XX/XXXX I paid {$100.00} to XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX I received a collection notice from collection company in XXXX. I advised the company that the debt was paid provided a company receipt. Paid the date of service. 
In XXXX of XXXX, I was contact by second collections company on amount due supposedly due. ( {$100.00} ). I called the agent, and they said that my XXXX dollar payment was for something else. I advised that had not received any billing for additional charges since th4e date of service I sent them a copy of my receipt of payment. I Had my attorney to send a letter requesting proof of debt or debt clearance. 
No information was ever received. Contacting service provider directly to try and clear. 


Professional Finance Co XXXX XXXX XXXX XXXX., XXXX XXXX # XXXX XXXX, CO XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial Services erroneously charged me fees. These fees led to the account being reported as " late '' to the credit bureaus. Elan acknowledged that these fees were erroneous and has since reimbursed me. I would like them to remove the derogatory payment history with the credit bureaus. I have sent a letter to Elan Financial credit bureau dispute department, but they sent me a seemingly pro-forma letter denying my request. Their response letter made it obvious that they did not even read my original complaint fully.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I was contacted by Bank of America on XX/XX/2021 informing me that my credit card was approved. I never applied for this credit card. I think this was related to a false or fake FEMA claim about a month ago. I reported this to Fema fraud department. This occurred because of XXXX XXXX that damaged our area. 
Bank of America canceled the credit card application and I reported this to all three credit agencies as well as putting a fraud alert notice on my account.

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 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
On the XX/XX/XXXX, I received an email from Square banking stating that a charge in the amount of {$290.00} had been declined fo insufficient funds. I knew I hadn't made any recent purchases, plus I had checked my account the previous day and had more than {$7000.00} in the account. I checked my online banking and saw 21 transactions had been made. I immediately contacted square. I was told that there nothing that I could to do besides wait until each transaction was complete and file disputes. Two of the transactions were voided so I filed 19 disputes over the next few days as they completed. I have talked to square every other day and even called the companies where my money was used, all of which were in XXXX! While I was using my card in XXXX, NC, someone was also using my card in another country, XXXX. Square doesn't have any protocols setup to stop this. I posted about this issue online and found two other people with square accounts that his happened to. The other people 's money was used in XXXX as well and at the exact same companies for the same amounts. Luckily for them they didn't have as much money to steal. I was told by Square that while they research my disputes they will give me a loyalty credit. On Today I received emails for loyalty credits for each of my disputes. Within seconds, I received another email stating they were taking the money right back out. 19 emails giving me a credit and 19 stating that they were debiting the account. When I call you can not speak to a manager nor anyone in the fraud department. I have been put on hold and hung up on or told it will be escalated and I will be contacted within 2 days and I never get a call back. I recently read loads of complaints on XX/XX/XXXX website of the same things happening to others, fraudulent activities, and Square siding with the merchant and people loosing thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from XXXX to XXXX XXXX XXXX. ( The phone number for XXXX is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. XXXX did delete the negative reporting from my XXXX but not from my Transunion or XXXX, to this day they still show negative reporting and show my 5 XXXX to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason XXXX never deleted the collection status from my XXXX and Transunion. They did delete it from my XXXX report but not the XXXX or Transunion as they were supposed to have done. Once my student loans were out of default and reflected a positive status XXXX was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because XXXX has not done this my XXXX and Transunion credit scores are far lower then they should be. This inaccurate reporting is effecting my Transunion and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call XXXX to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to Default Resolution Group they act as if there is nothing they can do

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 2021-10-25 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: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and Covid 19 but I have been making payments consistently for over 15 months. Weichert Financial Services and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called Weichert numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.

Company response to consumer: Closed with explanation