vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX is reporting a student loan on my credit report as late 120+ days. I have never had a student loan with XXXX XXXX, as all of my student loans are serviced by XXXX. I contacted XXXX XXXX Only to be told that the debt was leftover tuition but was not given any documents or explanation as to why 6 years after attending XXXX XXXX that this is the first time I am being notified of this debt. They have not sent me any documents showing how I am responsible for this debt, only a bill through a debt collector. I decided to dispute this with XXXX, which was a joke as well. Dispute came back as verified although once again I was given no documents to prove verification. If I am truly responsible for this debt I will gladly repay but not without proper documentation and an adjustment to the harmful items on my credit report which are being falsely represented. If I do indeed owe this debt it is CERTAINLY not a student loan, installment loan, and is certainly not late on payments as I have never been notified of any payments due. XXXX XXXX is intentionally using these tactics viciously and with no proper documentation to support their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: AES/PHEAA
State: TN

Complaint narrative:
I have 12 closed Fed Loan student loans that originate as far back as XXXX. Starting in XXXX, I have attempted to have Fed Loan correct missing data on ALL loans and they have refused to do so. Each letter or email reply has indicated that they found no errors and that the " customer disputes the findings ''. 

In reviewing all three Bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX, I observed that all 12 accounts still have errors. The combined number of months of non-reported data, in between reported months of activity, exceeds 250 plus months. This directly affects, negatively, my credit report as the percentage of account months paid on time are inaccurate. 

These loans are all paid off by way of consolidation. In addition to lacking accurate and complete monthly reporting data, which is mandated by the FCRA, the account numbers are incomplete, the status is inaccurate and the age of some accounts exceed the reporting period. 

The FCRA allows for a penalty of up to {$1000.00} per incident for failing to properly and accurately report on a credit report. I have been unable to obtain financing, lower insurance costs and a litany of other penalties as a result of Fed Loans illegal and incompetent actions. 

I filed a complaint with the XXXX, but was advised that due to the type of creditor Fed Loans is, I was to file my complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
My wife and I were contacted by Fifth Third regarding refinancing our mortgage. We decided to proceed and filled out the initial application packet and sent them our personal documents. On XX/XX/XXXX, due to unforeseen circumstances, we asked the refinancing to be put on hold. We received an email back within an hour from our mortgage officer that this was fine and he would do so. At this point we had heard nothing about the loan application as we were very early on in the process. The following day ( XX/XX/10 ), I received a call from someone else at Fifth Third asking questions about the application. I told her we had spoken to our mortgage officer and it should be on hold for the moment, we did not want to proceed with anything. She was unaware of it being placed on hold but agreed and said we could reconvene if we decided to move forward with it. Then, on XX/XX/XXXX our account was charged with a {$390.00} mortgage loan application fee. I responded immediately and they said they were sorry and would try to get it taken off. I immediately reached out to another mortgage officer we know and was told that they should not have charged anything, and unless an appraisal had already been completed it was not too late to reverse anything and we should not be charged for wanting to put the process on hold or cancel. On XX/XX/XXXX, someone drove down our street around XXXX XXXX  and stopped to take a picture of our house and then drove off. My only guess as to what this driveby picture could be would be the " appraisal ''. I immediately sent Fifth Third Bank an email about my frustration with them seemingly trying to push this application through after I had requested numerous times it be put on hold and was promised so. They responded back within 5 minutes that the appraisal had been put on hold and they requested the application fee be returned and were still waiting for them to do so. At the end of the email he said " I will let you know when the fee is returned ''. I have all of this correspondence documented in timestamped emails. Despite the loan officers saying that this was placed on hold until we are ready to move forward, I still continue to get emails about appraisal documents to sign. I feel that this has been a poor example of customer service on their part, particularly for something as intimate as people 's personal finances. I feel that this is due to their company being so large and lack of personal attention to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ITS BEEN 60 SOMETHING DAYS AND I HAVENT RECIEVED ANY CORRESPONDENCE FROM THE BUREAUS IN QUESTION AND THIS HAS GOTTEN OUT OF HAND, THESE INACCURACIES ARE BLATANT ERRORS PLEASE CORRECT THESE A.S.A.P

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Today I received a Payoff Procedure Disclosure with someone else 's mortgage information, as well as their investor ID. The information I received contained privileged information for another one of PHH Mortgage 's clients. I can only imagine where my personal information is now, or how many people have had their identities compromised from this mailing error. 

I hope to hear how PHH Mortgage is going to better protect my personal information and the information that they compromised of their other clients. This is unacceptable.

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 2020-05-09 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: Rent Recovery Solutions
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX, {$3200.00} contacted the property, property management company, and debt collection which advised I need to reach out to the property management which I have no response and the property that is on my report has fraudulent charges and I have evidence of the correct information but the property no longer exist it has been bought out or went under bankruptcy but information was not provided to the debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my primary residence mortgage with XXXX XXXX XXXX in the summer of XXXX. In XX/XX/XXXX, they notified me that they would be transferring the servicing of my mortgage to Loancare ( XXXX ). 

The experience with the transferring of servicing has been horrendous. It is impossible to reach anyone on the phone, and when I send emails to their XXXX, I am receiving back notifications stating that no one is monitoring that email inbox. 

I am not a mortgagor seeking forbearance or deferment. I have liquidity and I will continue making regularly scheduled loan payments. I am demanding better service from the loan servicer and a copy of my most recent mortgage statement so that I may refinance my home mortgage back to the prior lender whose technology and customer service are far superior. 

A glaring error made by the lender and servicer is their inability to even get my social security number correctly entered in their system. The inability of XXXX XXXX XXXX or Loancare to save my SSN correctly and grant me access to view my mortgage statement is absurd and borderline criminal.

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 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I purchased item from store, did not deliver the product, wanted to dispute the charge, after contacting the store. Bank stated its fraud when it is not and wanted to shut down my debit card. 

XX/XX/2020 - XXXX XX/XX/2020 - 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 2020-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I haven't receive my unemployment card.It 's been more than 10 days

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 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a recurring problem. 
- ACH and DEPOSIT on the same day before XXXX - Bank does not allow you to deposit in app if the account is overdrawn. Example - Account overdrawn and you try to make a deposit in app - you can not. 
- Drive to bank and make deposit, all within hours of overdraw occurrence and you see the bank fee charge the next day.

- In app message, online message requesting refund - no response.

Complaint 2.

- Told would receive requested letter to forward to vendor within 3-4 weeks. No letter has been received. Did not receive debit card in time to change bill pay wallet information. Vendor charged fees. Vendor is willing to waive charges upon receipt of bank letter that the replacement debit card did not arrive in time to bank customer.

Changing banks is a slow process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: NC

Complaint narrative:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

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 2020-05-09 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: NC

Complaint narrative:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: NC

Complaint narrative:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

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 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account was paid in full so i don't know how they are saying i owe XXXX cent.

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 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
THIS COLLECTION ACCOUNT APPEARS ON MY CREDIT REPORT THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I have been trying all week to withdraw {$14000.00} in cash that is in my Robinhood Account online. 

Each time I try to withdraw, the company returns a message that reads " Account withdrawal disabled '' and sends a message saying something about the withdrawal failing. I never disabled withdrawals from this account and have no clue why this is happening. I tried to withdraw on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time is returns this message. I even tried to link another bank account and it still returned the same message. 

I have emailed their " customer support '' after each attempted withdrawal. I have received no response from anyone in their company, and have no other way of getting in touch with them. 

My family and I have been planning on using this money towards a down payment on our first home purchase which we have scheduled for this Friday, XX/XX/XXXX. We need access to our money, which Robinhood is not returning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: PA

Complaint narrative:
ON XX/XX/2020, I received a text from MRS associates about a unconfirmed bill with XXXX XXXX. I replied to that text message to stop -- the stop was not acknowledged bu MRS . 
On XX/XX/2020, I spoke to A Mrs. XXXX XXXX a rep at MRS about this issues. I asked her to validate the claim and her response to me was " I dont know what that is '' As on the date of this filing, MRS has not acknowledge my request to validate this debt as my right under FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Authorized User on the REGIONS BANK - I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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: FL

Complaint narrative:
I have not received confirmation nor certified testimony that your offices complied with FCRA and all of its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate in testimony that the alleged accounts in Exhibit A are in fact compliant and not subterfuge. Furthermore, for all alleged accounts in Exhibit A to be verified, under sec. XXXX of the FCRA, please provide me with permissible purpose from the creditors, a certified copy of the original contracts with my written authorization and wet ink signature from the creditors, and proof that Ive intiated the contractual agreements with the creditors of the alleged accounts in Exhibit A. Failure to substantiate all claims for the alleged accounts in Exhibit A should result in immediate removal of the accounts from my credit report, under the XXXX, within 30 days. Furthermore, failure to provide valid and accurate documentation would result in being convicted of XXXX. Provide a response with documents within 30 days. *** ( Copied from the affidavit attached ) ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TX

Complaint narrative:
ALL FTC VIOLATIONS ATTACHED print XXXX Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TX

Complaint narrative:
ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute 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