vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive called Experian multiple times regarding this matter. Ive submitted proof. Old information is reappearing on my report. I disputed it and Experian still doesnt want to delete it. XXXX XXXX has invalid information and this account was reinserted. I already disputed with the Original creditor. I have another account XXXX XXXX, its been paid in full and it still shows as unpaid. I still have late payments on XXXX XXXX and XXXX XXXX that have been taken off of my XXXX and XXXX reports. XXXX late payments reporting on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  has late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I need all my inquiries deleted as well, I never signed off on any of whatever is reporting on Experian.

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 2022-03-31 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: PA

Complaint narrative:
I have never agreed paying this company I never applied credit with them this goes against the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have never agreed paying this company I never applied credit with them this goes against the FDCPA

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 2022-03-31 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: Grain Technology, Inc.
State: PA

Complaint narrative:
Reporting a higher balance and utilization wrong since XX/XX/XXXX saying I owe {$1000.00}, however a payment in the amount of {$800.00} was posted on XXXX XXXX and another payment in the amount {$25.00} posted on XX/XX/XXXX with a remaining balance of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
In XXXX XXXX  when finishing XXXX school I was misadvised on best repayment strategy by XXXX XXXX. They advised leaving loans in deferment and focusing payments on high interest loans rather than consolidating and starting pslf. This wrong strategy/advice has cost me several extra years of payments. 

See dept of education complaint XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I opened an American Express Serve account in XXXX. Never had any issues until last year. My unemployment started getting deposited to the account. I created XXXX sub accounts. The account holders also received cards. 1 of the sub account holders also received unemployment. The payments went to my account because there was no way that I could see to set up the direct deposit to the sub account holder. American Express Serve proceeded to lock my account with thousands of dollars on my balance I called and they said I violated their terms of service which is XXXX. I called and was told to write a letter I did that. Nothing was done. I was never notified of the lock or closure and they have my money. I have tried tons of times to speak to someone that can help and no one can. I have been dealing with this issue for well over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have ( for at least 5 years ) an excellent credit score with XXXX, XXXX etc. that is in the mid- to high XXXX XXXX. I have never applied for credit, and been denied. I recently applied for credit with XXXX, whose credit partner is JP Morgan Chase bank. I was denied - and told the reason I was denied credit was due to past debt with JP Morgan, Chase bank. NOTE - In XXXX I defaulted on a chase issued credit card. - Are they able to retain and use this in assessing my credit risk since this is from XXXX? < -- -- note this is NOT on my XXXX, XXXX, etc credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount Capital Group, Inc.
State: GA

Complaint narrative:
Paramount Capital Group and XXXX XXXX XXXX are running a XXXX scheme against innocent consumers to obtain a commercial driving license. I inquired to XXXX about taking refresher training in backing up a trailer. They informed me it was not offered. I said, okay, and thanks. I had my learner permit already. However, I was told I must complete 180 hours through a replicate school to obtain my commercial driving school. IT is not a true statement. I did not realize it was a fabrication until I applied for my first job. I just needed to take the driving test at the XXXX without going to school. I did not have to attend school! I was deceived, hoodwinked, and manipulated. Paramount Capital Group is using gangster and unprofessional collection tactics to collect these XXXX payments after saying they would get with XXXX and withdraw this illegally obtained loan. I have driven in the XXXX for six years, and I did not need to attend school. XXXX XXXX XXXX was aware of my military affiliation. I can not believe this company would take advantage of a Veteran. I have been duped into a fraudulent loan. I do not know what part Paramount Capital Group played in this XXXX scam. However, somebody should investigate this before they ruin my credit profile. I should not have to repay a needless loan I was conned into obtaining. I knew something was suspicious when the recruiter started calling me from private numbers. They should be shut down from doing business. Additionally, I am filing a complaint against them with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have repeatedly asked for evidence to support inaccurate information being reported on my credit file from XXXX, XXXX and XXXX. The debt collection agency has failed to provide viable evidence substantiating their claim. 

The following debt collection agencies have not complied which in addition is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Portfolio Recovery Associates PYOD Cavalry Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
i received a call from the caller ID phished number for my bank Truist on XXXX. They told me there was unauthorized attempt through my XXXX attached account for {$1000.00} and {$2000.00}. They asked for the last XXXX of my social and had my text them my login information. I spoke with my banking institution later and they told me there was no fraud attempts and that they were not going to monitor anything further

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 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal uses the wrong info on the XXXX report. NFCU HAS MY CREDIT ACCOUNT SCORE AT XXXX.MY XXXX SCORE IS XXXX. I JUST ASKED FOR A NEW LOAN SO I CAN GET A LOWER INTREST RATE ON MY LOAN. THE SAME THING HAPPENED TO ME WITH NFCU ON A PREVIOUS LOAN. I WAS DENIED A LOAN BASED ON INACCURATE INFORMATION WHICH I HAD TO PERSONALLY CORRECT BY OBTAINING THE CORRECT INFORMATION ON MY OWN. THE LOAN I ASKED XXXX WAS BASICALLY THE SAME AMOUNT THAT I OWE ON A HOME IMPROVEMENT LOAN. I HAVE READ THAT NFCU MAKES IT DIFFICULT FOR PEOPLE IF COLOR TO OBTAIN LOANS, AND IF THAT IS VALID. I FALL INTO THIS CATERGORY.I HAVE A FLAWLESS REPAYMENT HISTORY WITH NFCU & 30 YEARS AS A MEMBER. I DO NOT UNDERSTAND WHY I WAS TURNED DOWN FOR A LOAN THAT IS ALMOST FOR THE AMOUNT I CURRENTLY HAVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
RAMCES DUFRESNE ACT.XXXXXXXXXX
 WELLS FARGO BANK OPERATIONS MANAGER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I TOLD THE BANK THAT ON XXXX THAT I SET COURT HEARING XXXX XXXX XXXX CASE XXXX I NEVER STOP PAYING MONTHLY CREDITOR XXXX. SUPPORT
STILL THE BANK FROZE MY CHECKING ACCOUNT FOR 60 DAYS AMTXXXX
I AM UNABLE TO PAY MY MORTGAGE, PROPERTY TAXES, LIGHT, WATER, WIFI BILLS AS A XXXX XXXX V ETERAN WITH XXXX XXXX  I AM DEVESTATED MENTALLY DEPRESS ABOUT TO BE HOMELESS. MY LIFE IS WRECKLESS. PLEASE HELP

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 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
PHOENIX FINANCIAL SERV Has failed to provide me with original documentation of debt. I have asked them to show me proof to verify the debt and there resolution to this was to automatically report me to the credit bureau. 

This debt is not valid and I can not confirm it is mine without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It May Concern : I called Sears Repair on a complaint that I was not receiving ice from my XXXX refrigerator. A technician was sent out to inspect he informed me that my ice maker was inoperative and that I needed another one, which required 3 different parts for repair. It also required that I defrost and unplug my refrigerator for two days. The parts were sent to my home XXXX delivery. On XX/XX/2019 a second technician arrived to perform the repair after performing his inspection, he determine that I didn't need this repair and parts that was present. It only required the defrosting of the unit, which he explained often happens on this particular XXXX refrigerator. He put in his computer all the information and refund to me credit back to my account. He gave me labels to put on the Parts Packages that I needed to return back to Sear through XXXX on that date. I have all the documents date and time in which XXXX delivered to Sears and whom sign for its return. I have unsuccessfully sent all this information to Sears to present proof of the return and requested that they update their records to reflect but as of to date absolutely nothing as been done. Thank You..

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
My servicer was recently changed from Dovenmuele to The XXXX XXXX. 

I have made every payment through bill pay at my bank. I received a payment returned for my XXXX payment. I was unaware at the time that bill pay was sending it to the old servicer. 
I got my new account set up at XXXX, and the balance due was showing two payments were due instead of just one ( XXXX ) I immediately caught up the mortgage payment, and started researching... 
Apparently XXXX payment was sent out through my bill pay and received by Dovenmuele, I had proof from my bank of this. Dovenmuele said they did not have my payment. After I sent them the proof they MAGICALLY found my payment! 
They told me they were going to wire this amount back to my Bank, this was on Friday XX/XX/XXXX. I have called my bank everyday to check on the payment... I still have not received it. It is now XX/XX/2022. My money is floating somewhere and its absolutely ridiculous the time spent and the work I have had to do just to prove that I sent them this payment! They would have kept my money if I had not put the effort into it...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX I switched phone companies because I was continuing to have issues w the billing. I closed the account but found out 2 months later that the employee there was issuing phones on closed accounts and before you know it you have a XXXX bill for a phone you dont have. Then 6 months later I find out that there is a loan out for a mower that a business a city away leased allegedly to me. I go to the business and speak w the owner who says someone who looks like me but def not me came in with a man that was not my fianc this person was over XXXX '' taller and long hair they proceeded to issue this loan with out the physical ID present they " used a copy ''. I never once received a call to clear the fraud alert on my credit as there has been an extended freeze added in XXXX as this has unfortunately has happened in the past. I requested 3 times in writing for Truist bank to turn over any and all documents related to this debt so that I may continue to pursue legal action which they failed to do so. They reported this account for months causing me to loose the funding for my home and now my children and I are displaced. The company failed to send any of the documentation requested and violated my right to even attempt to resolve the debt. This company should be held accountable for not following guidelines to resolve debt and issuing lines of credit/loans without completing Due diligence

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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
On XX/XX/2022 I called about charges that was on my account after the services was canceled. My dispute started on XXXX XXXX when I signed the dispute form. On Thursday XX/XX/2022 XXXX from the dispute/fraud department called me interrogating me and threatening charges that I didnt do. Even though she had all my documentation. It is now XX/XX/2022 I havent seen my credit at all to my account and I been sent over documents to support my claim on MULTIPLE DAYS. XXXX seem to be XXXX and accusing me off things SHE THOUGHT. I would like higher up to listen into that call. But under the regulation E it states my provisional credit should be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I called Santander at the end of XX/XX/2022. I called to get extension for XXXX and XXXX the lady I spoke with stated that I was able to get the extension and I would pay XX/XX/2022. I logged on my account and seen I had a balance for XXXX so I called and was told that there was no extension and I wasnt approved per the notes that the representative I spoke with documented. I requested that the call be pulled and listened to. I spoke with a man he said he would the XXXX and for me to call back at XXXX so I called back and I spoke with a lady she had no idea what I was talking about and said she knows that the will not pull a call from XXXX. At this point Im even more upset because of all the miss communication and lies that Im being told. Finally she sent me to the exceutive offIce and I spoke with a guy name XXXX XXXX Id # XXXX he tried to get knowledge of what was going on and said he didnt show any records of anyone pulling the call and he would personally listen to the call and call me back. I had several panic attacks because at this point dont know who to trust my account has an outstanding balance and I cant afford to get me car reposed for someone lying to me and thats not far to me as a customer that they would allow that to go one. I had to wait all weekend stressing and worrying about this guy calling me back. I received a call from a guy named XXXX id # XXXX he also stated he was with the executive office and he listen to the call.. I asked why he was calling me and not the guy I originally spoke with because he told me he would personally call me back and didnt. Thats poor customer treatment and Im even more upset because now I have to explain this situation over and he said he listened to the call and yes I was mislead by the representative and they gave her a coaching. Im like is that it????? She lied to me and falsified documentation that reflected that she had a whole conversation with me that I had no idea about. Now Im stuck with this outstanding amount and all he can say is he understands and still tried to collect the balance I didnt have now Im in jeopardy of losing my cat and nothing has been done. I filed a complaint with the attorney general and now Cfpb and Im looking to sue because this is unfair and deceptive practices. I need help and I cant get anything done on my own. No one has ever reached out to me since that day and I need this resolved. I cant afford anything extra and its is causing me a great deal of stress and my XXXX  is out of control. Please help me. It had even damaged my credit badly all because someone lied to me. If I would have know I would have done my best to get a payment in at the time. I had Covid back to back. I cant get help from family the struggling just like I am. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I used acima finance company for some furniture from XXXX, i have made all my payments on time i used a credit card to make the payments and i notice on XX/XX/22 every time i made a payment to the company i have been getting charged a XXXX $ XXXX advance fee. I asked the company how are the charging me an they stated as a debit card instead of a credit card, i asked if they can charge my card back and then take the payments back as a credit charge they stated they cant do that an they cant do anything to help me but pay one XXXX $ charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Dept of XXXX Acct # XXXXXXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX " XXXX XXXX XXXX '' with the balance of {$1100.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I sent {XXXX} to SPS last month to be put toward my mortgage. The check cleared on The XXXX of XX/XX/2022. I am still waiting for it to be posted to my Mortgage principle. I call everyday and they give me an excuse why it is not showing up. This has been going on over a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation