vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: AR

Complaint narrative:
I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but XXXX separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report DOES NOT appear in the Equifax system. I have lived in the United States now for more than ten years and have credit reports with XXXX and XXXX ( good credit scores, 750+ ). I have credit cards with XXXX XXXX  XXXX ( since XXXX ), XXXX ( since XXXX ), and several store cards ( XXXX, XXXX XXXX, etc. ). My total credit limits exceed {$50000.00} across these cards. I also have an auto lease with XXXX XXXX XXXX I am now applying for a home loan not having the Equifax report show up is an obstacle. 

I spoke with Equifax agents 4-5 times who asked me to send them my social security card, drivers license, and lease copy for residence proof. I did that three times : twice via USPS in XXXX and once via fax in XX/XX/XXXX. They claim to never receive it, or, it does not show up in their system. 

I have been on 4-to 5 long calls with their agents and nothing resolves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have filed a previous complaint regarding Bank of America not offering a viable alternative to catch up on payments on forbearance after pandemic. You guys reached out to them with previous complaint filed one month ago and they did call and work with me pretending to work with me on offering a loan motification that I was told multi times I did not qualify for Bank of America special department called me too pacifist the complaint with the cfpd had me apply and I stated I dont qualify you told me I do not but you are supposed to via the cares act federal law supposed to offer a doable payment plan to catch up after pandemic forbearance they stated no other options and said they are now more open for a loan modification which sounded like a lie to me. Sure enough they answered the complaint to you guys had me apply for a modification that like I said told me for months that I did not qualify for due to no tax returns from stay at home order re pandemic as soon as case was closed last fri I received a call XX/XX/22 at XXXX pm no modification in system applied for and representative asking me how am I going to pay past due Please note frustration I was in forbearance for 18 months and I am only 4 payments behind I feel bad for people that are XXXX XXXX XXXX payments behind that they are doing this too

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This complaint is about the PNC Bank-XXXX  credit card policy involving abusive consumer payment due dates. 
I have been a customer/depositor of PNC Bank for over 30 years and a PNC XXXX  credit card user for at least 15 years. During this period I have made timely monthly payments in full for my monthly credit card charge balances. I make these in full payments each month, in person and by personal check, at my local PNC branch bank so that I can obtain a written receipt acknowledging my timely payment in full for the monthly balance due. 
For the month of XXXX, XXXX, my XXXX payment was due by Sunday, XX/XX/2021. When I arrived at my local PNC branch bank on XX/XX/XXXX, I discovered that the branch was closed because it was Sunday. On the next business day, Monday, XXXX XXXX, I paid my monthly balance in full in the amount of {$190.00}, at my local PNC branch bank. 
In XXXX, XXXX, I received my monthly PNC-XXXX credit card statement for the period ending XX/XX/2021. The statement included a late fee of {$27.00} along with an interest charge of {$4.00} because I failed to pay my XXXX, XXXX  balance by XXXX XX/XX/2021. 
Thereupon, I called the Visa customer service department, seeking a reversal of these abusive, egregious charges in the total amount of {$31.00}. Finally, upon my demand, I was connected to a customer service supervisor who had the authority to extend to me a " one time courtesy '' of removing these charges from my account. This reversal resulted in a balance due on XX/XX/2021 in the amount of {$190.00}. This sum was paid by me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: AZ

Complaint narrative:
The letter enclosed explains my dispute on several accounts. I never recieved what was asked for in the letter. The credit bureau is non compliant and this is the third attempt. This now qualifies to be deleted for non compliancy on all accounts listed in the letter attached. I will pursue this in court if they are not deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: WV

Complaint narrative:
I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. XXXX XXXX XXXX XXXX. XX/XX/XXXX 10. XXXX XXXX XXXX XXXX. XX/XX/XXXX 11. XXXX XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX. XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Dates of contact : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Methods of contact : letters and phone calls. 

I made payments to two loan servicers : AES and Fedloan. I made 37 payments to AES from XXXX. During those years, I contacted AES numerous times about PSLF and income-based repayment. AES repeatedly told me that I did not qualify for either or that my loans were not the correct loans for PSLF. AES also told me that I had no other options. There was no information on their website about PSLF at that time. I was just starting my teaching career and was substituting and working as a paraprofessional. I paid what I could and had to defer my loans during months when I could not meet the payments ( which was often ). 

In XXXX, a coworker told me about Fedloan, and I moved my loans to Fedloan and started my payments all over again. In XXXX, my loan payments were based on my income. My loan payments were zero dollars for a time and then increased with my salary. This was unlike my AES payments which had been substantially more money. During this time, I repeatedly tried to get my AES payments credited toward my PSLF forgiveness without success. In XX/XX/XXXX, contacted Fedloan about the possibility of Temporary Forgiveness to get credit for my AES payments. They reviewed my file for nine months. During this time, I contacted them for updates. I was told, that they were still reviewing my file or I was not going to get my payments credited. In XX/XX/XXXX, I was denied. 

In addition, Fedloan keeps changing the date of my forgiveness eligibility. Their XX/XX/XXXX correspondence shows my estimated eligibility as XX/XX/XXXX, yet their XX/XX/XXXX correspondence shows my estimated eligibility as XXXXa full year later. How can this be happening? When I call Fedloan, I am transferred around and put on hold, but no one will help me resolve this. My loan payments are due to resume in XX/XX/XXXX. 

My loans should be forgiven in accordance with the legislation. I have fulfilled the requirements for PSLF. In addition, I wonder if I even should have had to pay all of that money to AES if they not withheld the information about other options that were indeed available at that time. I have been lied to and strung around for years as I have tried in good faith to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Receivables Performance is trying to collect a debt that does not belong to. 

Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please provide a complete account history, including any charges added for collection activity. 
Please evidence proof of the alleged debt, including the alleged contract or other instrument.

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was looking for an apartment to rent and this person named XXXX XXXX who claimed to have an apartment property in XXXX XXXX XXXX XXXX, IL XXXX. She currently lives in XXXX XXXX so she wanted to go through XXXX  for security purposes on both parties while she is overseas. I agreed and sent me a link that seemed exactly like XXXX. On the link I had information that required a {$2800.00} deposit to move in for a 2 months rent ( $ XXXX ) and a security deposit ( {$950.00} ). Upon agreement I asked why the wire transfer with the account numbers was through a person named XXXX XXXX in Alabama. She explained that it was XXXX and they have a contract through them and once i send the money i will have a contract through XXXX and will get the keys to move in and rent out the flat. So i transferred the money and received an email receipt and an invoice through XXXX or thats what i thought. The wife transfer seemed suspicious to me and how XXXX never responded for further instructions. I then went on the real XXXX website and contacted customer support to confirm my reservation. Sure enough the customer agent rep told me they couldnt find me and told me the link i provided to them was not theirs but looked exactly like their company. She advised me to contact my bank right away because it has been happening a lot to other people and its what they call phishing. I contacted my CHASE bank right away as it was still under pending and made a claim. They reassured me that the transaction is under investigation and since its under a pending review, the transaction should be on hold until claim is done with investigation. This morning i saw the payment was no longer pending and it went through but Im not sure why if they atleast tried to reversed for a recall. Chase bank kept giving me the run arounds that one department is able to help me but at the end nobody can help. A rep also mentioned that the only department that can help me is the wiring transaction department but that they are closed since the pandemic started. How is that my fault and why cant these sort of scenarios that need escalations be escalated? So my claim for a SWIFT recall from Chase bank to XXXX XXXX ( XXXX XXXX XXXX ) hasnt even started and that is why the transaction is no longer under pending. Every time i called XXXX, no representative is able to help me with this case or refused to at least try and help me find information to reach the wire transaction department to recall me back my {$2800.00} which could have been prevented if they had at least one representative that were able to handle this type of situation. No manager, no department knows how to help me and am getting passed around with no solution which is unacceptable when they are working for a company that is responsible for their consumers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
I received a notification from my XXXX XXXX  account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from XXXX XXXX XXXX XXXX In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called XXXX XXXX XXXX. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, Halstead Financial Services. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX  XXXX, XXXX headphones and couple of other things. She said I could dispute the account at XXXX. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and XXXX XXXX XXXX to the XXXX XXXX XXXX On XX/XX/XXXX I received a letter in the mail from Halsted Financial Services for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to XXXX. Which I did. 

XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: AR

Complaint narrative:
I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach

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 2022-03-08 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: AR

Complaint narrative:
I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when equafax had a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohl 's read my complaint!!!! 

Purchases in XXXX!!!! 

Please provide the XXXX and XXXX statement!! 

I had to rebut the XXXX XXXX  of suits!!!! 
Please provide all of my orders with you for XXXX, XXXX and XXXX. 
Also the statements for the same days. 

The suite NEVER ARRIVED. I REORDERED AND REPAID!!! 

YOUR COMPLAINT I called immediately to notify them that only 1 items the {$49.00} had arrived. I had to place an order for another suit immediately. I was son the phone for hours. The credit for the 2 suits of, {$99.00} was never applied. It's been 3 months. Order # : XXXX Placed : Thursday, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Multi Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Suit XXXX, Blue Quantity : XXXX SKU # XXXX Item total : {$49.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dot Print Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX

Company response to consumer: Closed with explanation