vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2014 American Education Services sold my student loan to XXXX. The problem is that I was having difficulty making the payments due to numerous medical issues that had occurred in our family, but I tried numerous times to work with them. They had horrible customer service, and when I finally resorted to going to speak to an attorney about the issue, they quickly added {$10000.00} to the loan and sold it off. My original loan amount was around {$14000.00} and now today it sits at over {$25000.00} due to this. I have tried many ways to look into this matter and how it is ethical to tack on a hefty profit prior to selling off, but not until today did I find this website to report them to. How is this legal for them to do that? They had threatened to garnish my wages which is what led me to an attorney, and unfortunately I chose a poor one who misguided me on how I could get resolution. I would appreciate any assistance you can offer, since the government should also have an issue with a company representing the government doing this to people. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XXXX I sent a 609 dispute letter to Transunion regarding the following account, asking for a immediate investigation and removal of this account. It has been well over 30 days and I have yet to receive any information regarding the investigation of this account. 

XXXX XXXX XXXX XXXX  DOCKET # XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED. 
Date of account open : XXXX  Please remove it 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 explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am not aware or I don't know of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

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

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

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

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 2021-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have tried numerous times to apply for a line of credit i keep sending all the required documents and i keep getting denied it says unable to verify my identity i checked with all credit bureaus and my information is current in there systems. Netcredit could not give me a clear answer as to what identity they could not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Please look at my both of XXXX XXXX Mortgages. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years discharged. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
I had been disputing an account on my credit report with Covergent Outsourcing for several yrs. once again with them Ive asked for verification that it was my account such as a bill with my name etc. So on XX/XX/2021 I called and pd it through them. And then I started really inspecting it and looked at the dates so I called the actual company who they were supposed to be collecting the deft for and I dont owe them anything and didnt owe them anything. So the collected {$290.00} from me for something I never owed.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I requested car down payment to be refunded from First Horizon Bank on XX/XX/2021 due to had been sold a lemon by XXXX XXXX. I was denied due time 60 day time frame that bank gives. I purchased car on XX/XX/2021 with {$8500.00} down payment using debit card as credit card sale. I have already requested refund from XXXX XXXX with no response. The car has a bad pcm which dealership supposedly fixed that was not disclosed and the air compressor has been replaced which both are not still functioning as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
I had two fraudulent charges on my card with chime ( a subsidiary of XXXX ). I filed disputes for both in XXXX of 2021 immediately after they posted to my account. The first was a {$600.00} ATM charge that was never distributed to me by the ATM, but my card was still charged. The second was much smaller at {$57.00} for a XXXX XXXX  in Maryland ( where Ive never been ). I was issued provisional credits for both after a waiting period of 10 business days. The {$57.00} charge was detected as fraud and I received an email saying the provisional credit was permanent, yet it was deducted the same day. I then received an email saying the {$600.00} charge has been reversed and all provisional credits would be taken back by the bank. There is video footage of me at the ATM during both of my attempted withdrawals. The first ( {$600.00} ) is unsuccessful as can be seen in the video footage as well as the receipt i sent to the bank. The second ( {$400.00} ) was completed correctly as can be seen in the video footage and in the receipt I sent in to the bank. Both of these disputes were overturned and the money was taken back, despite both being instances of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: FL

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-17 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: NJ

Complaint narrative:
items were purchased using my Discover card on XX/XX/2020 ( {$5000.00} ). Items were returned on XX/XX/2020 and later received and confirmed with merchant. Return was posted onto my Discover account and over 60 days later reappeared on my account. Spoke to customer service, gave them all proof and documentation of return confirmation through merchant and was told they will remove transaction which they did. Over 60 days later yet AGAIN it was posted to my account. Worst customer service ever and I will be cancelling my card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has continuously violated my rights as a consumer by reporting information that I never gave my permission to report ( violation of 15 usc 1681b Permissible Purposes ), they have also denied my right to privacy ( violation of 15 usc 1681a Accuracy and fairness of credit reporting ) by reporting items that should not be included in my consumer report in the 1st place. This is also a violation of of the exclusions section of the Fair Credit Reporting Act ) This is the 2nd time I've had to bring this to their attention. The 1st time they did nothing but I will continue to report these violations and pursue the damages owed to me until they've remedied the situation by deleting the requested information off of my consumer 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 explanation
Consumer complaint received 2021-08-17 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: IL

Complaint narrative:
After several written requests sent to Equifax to investigate accounts appearing on my credit report, Equifax has failed to do any real investigation. Instead, Equifax has left it up to the companies reporting the fraudulent accounts to investigate and verify the information in my dispute, which is a direct conflict of interest. No real investigation was conducted by Equifax. After several written requests, Equifax has not provided me any any copies of original documentation ( a consumer contract with my signature on it ) from the furnishers of information. After several requests for their method of verification, Equifax has failed provide any names or phone numbers of any actual person that Equifax has contacted at the companies reporting the fraudulent accounts. All of this is required under Section 609 and Section 611 of the Fair Credit Reporting Act. All of this is due to the fact that no real investigation was conducted by Equifax. When receiving these written disputes, one of Equifax 's employees reads the letter and selects a 2 or 3 digit code offered by an online computer program called the e-OSCAR system. Along with this 2-3 digit code, an ACDV ( Automated Consumer Dispute Verification ) " form '' that has generic identifying information summarizing the dispute is sent to the companies reporting the accounts. After receiving this electronic code, the company reporting the accounts claims to " verify '' the accounts and " update '' their information accurate. This practice is in direct violation of the Fair Credit Reporting Act because no real investigation was ever conducted by Equifax. I contacted the companies reporting the fraudulent accounts and disputed these accounts with them, directly. I have provided documents to Equifax and the reporting companies as proof that an error has occurred. I have directly requested from the reporting companies, written proof about the fraudulent accounts, including the original contract agreement. I have also contacted Equifax, by direct mail and phone, and provided them additional documents, such as an Identity Theft Report and letters to/from the reporting companies. I have also contacted the Consumer Financial Protection Bureau with complaints against all parties involved, including Equifax an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
Axos bank advertises Cashback Checking which rewards users with a 1 % cash back on some debit card transactions. It does however exclude certain transactions in its terms for receiving cashback. 

I wanted to make a payment to the IRS for my income taxes and wanted to confirm with the service representative that the transaction would be eligible for a cashback since it is not explicitly under the list of excluded transactions. But I am having a hard time getting a straight response. The last response from the representative " XXXX '' mentioned some MCC codes being excluded from cashback but they wouldn't provide me with either eligibility of my purchase for cashback or the excluded MCC codes. 

I fear that the bank uses this lack of information to arbitrarily deny cashback for purchases since they can always pretend that a transaction was in their so-called private list of codes ineligible for cashback.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America reported to XXXX  and other credit agencies that they had closed a credit card account at my request and reported that the account was 30 days delinquent in payment. This was reported by BOA to credit bureau on XX/XX/2020. This was not my account. I was an authorised user on the account but not a co borrower. The BOA agent on the phone made it clear that I was not responsible. It was the account of my deceased husband. I contacted Bank of America to try to resolve this in XXXX of 2020 and they said they would take care of this if I sent my husband 's death certificate to them. I didn't see how this was relevant to my concern but I did as they asked. This is still showing up on my credit report 10 months later. The late payment amount was {$110.00}. when they closed his account. The balance on the account was {$3500.00}. which their report indicates they " charged off. ''

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
This is my ( XXXX XXXX XXXX second attempt to resolve this issue through the FDIC/CFPB. Reference original complaint XXXX. This is my written consent that US Bank is authorized to contact the third party referred to in the original complaint XXXX and I am also consenting that US Bank may access my lease account to access past payments. I also authorize US Bank to contact me directly at XXXX to obtain authorization to contact whomever they need to contact. US Bank does not provide confirmation numbers on payments made online, therefore, I can not reference specific tracking numbers provided by the company in this complaint. This complaint is in reference to US Bank Lease XXXX for a XXXX XXXX XXXX. The lessee is XXXX XXXX and I am him, and I am issuing this complaint. 

U.S. Bank, online banking ( https : //onlinebanking.usbank.com/ ), has charged me two times when I submit a payment one time. This has occurred on multiple separate occasions. This happened on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. After I submit the payment from US Bank online banking, two pending charges are shown on the US Bank online banking. When I call in to US Bank customer service, they tell me there is nothing they can do to stop the payment. The only option US Bank provides me to return the payment to me is by cashier 's check in paper mail, which takes 10 days on average to get to me. I have incurred many overdraft fees at my financial institution as a result of this and I have attempted many times to be proactive about resolving the issue caused by the obvious error in the US Bank online banking and US Bank has not helped to resolve the issue or even look in to the issue with their online banking website. I have attached 4 months of lease billing statements showing proof of the lease, lease number, lessee information, and Base Rent plus tax.

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial Bank was supposed send me a check for my cancellation of service contract and gap insurance in the amount of XXXX and they have not sent it to me. The cancellation was received to them on XX/XX/XXXX cancellation notice was on the gap and the service contract. They have given several dates when I was supposed to receive the check but they keep changing it and pushing it back. Call XXXX XXXX at XXXX ext. XXXX she is the last person I talked to on the phone. She said I would receive it by the XXXX of XXXX. I was told different dates twice already. Please help get my money back. I financed a car from them through my with a service contract and gap insurance. I had it refinanced through XXXX XXXX XXXX XXXX XXXX. They had a better service contract and gap insurance than Westlake Financial. When I refinanced the gap Insurance and service contract was included in the loan. I cancelled theirs and have yet received the money. Call me please XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation