vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Upon checking my credit reports I noticed that there was a collection account reporting to the 3 major credit unions. I sent in a letter to all 3 credit bureaus ( XXXX XXXX, XXXX, XXXX ) in regards to this collection account which I did not recognize and had no information on. XXXX deleted due to no validation, I received a letter from XXXX XXXX stating that the account had been verified. Also only receiving an itemized bill from Transworld Systems stating I lived at an address in XXXX ( I haven't lived there since XXXX ) and had a light bill in the amount of {$240.00} from XXXX when I have had the same electrical company since XXXX at the address I have had since XXXX, I then sent a certified letter to XXXX XXXX and Trans World Systems ( collection agency ) which were received on XXXX and XXXX asking for validation, how did XXXX XXXX validate said account? Who did they speak to etc. Trans World as well, since this definately didn't belong to me I was requesting more information than a falsified bill. I never heard back from TransWorld and only received a letter from XXXX XXXX stating that the account was verified. I called XXXX XXXX today and they stated that everything was done electroniclly and could not help further. I spoke to a supervisor by the name of XXXX XXXX and he stated that I would have to reach out to Trans World again even though they had 30 days to respond and still no response to this date. According to the laws I read up on for consumers I thought it was the responsibility of the credit bureau to investigate accurately since they are the ones reporting it. Especially since I sent them validation on how long I've had my current address. Collection agencies should not be able to get away with making false statements/bills to try and get consumers to pay bills that do not belong to them. As well as the credit bureaus should be held responsible for reporting false information. It states that we will be able to see detailed investigation results, including name an contact details of the source of the information on how the account was verified ... .no where does it state that information just states verified and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
He venido haciendo seguimiento a mi score los ltimos meses, y he notado un balance incrementado cada vez que se actualiza mi nuevo score de $17 y $1, lo que estn haciendo esta afectando mi crdito gravsimamente, no pueden reportar un balance incrementado sobre todo si ya cerraron la cuenta as que les pido que no lo sigan haciendo antes que tome otras acciones.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2019, {$14000.00}, XXXX XXXX XXXXXXXX XXXX - States that I have been paying on this account sence XXXX till this present date and the amount has not ajusted. The account also state that I have been late for 90 days in ONE month, the of XX/XX/2019. The monthly payment is inacurrate also. I have attach copies for proof.

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 2021-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
Just wanted to share a story- I have a private loan with American Education Services from way back in XXXX. In the last 10 years of consistent repayment, I have now paid {$7200.00} on a {$6200.00} loan. According to AES, I still owe {$6200.00} - which is more than my original loan even was. How is this remotely right? They've got their money back plus {$1000.00} - are there advocates for student borrowers like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IN

Complaint narrative:
In mid XX/XX/XXXX I had somebody try to cash XXXX checks on my account which was a fraud, when I learned of these transactions I went to my PNC Bank in person they informed me that my account had been compromised so they could open me a new account an transfer my balance of {$21000.00} to my new account and close my old account I agreed. The balance of {$21000.00} from my old account they closed was never transferred into my new account. Then within XXXX week someone tried to commit fraud on new account, I went to PNC Bank to notify them and to see what & why this kept happening to my accounts considering no one had access to any of my account information an I also specified to the bank not to do any ACH from my account for any reason unless I authorize it. So they closed my account for the second time an opened me another account for the third time. My {$21000.00} was still not put in my account & they also processed XXXX ACH transactions on my account on XX/XX/XXXX. 

XX/XX/XXXX - {$2200.00}, XX/XX/XXXX - {$3100.00}, XX/XX/XXXX - {$4800.00} XX/XX/XXXX - {$6300.00}, XX/XX/XXXX - {$7200.00} Total : {$23000.00} From XX/XX/XXXX ( to ) XX/XX/XXXX my account is missing {$44000.00} an when I recently went in to the PNC Bank an spoke to the manager there XXXX XXXX only thing they would tell me is there's nothing they can do, I can't receive my money back, and it was my fault because I should have checked my account daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, Transunion, XXXX regarding the following accounts. 
XXXX XXXX/ XXXX XXXX- this is not my account- {$4900.00} - XXXX XXXX this is not my account- {$11000.00} - XXXX XXXX this is not my account- {$9600.00}

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 2021-11-08 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: TX

Complaint narrative:
I have disputed multiple times on incorrect items that are on my credit report with Equifax, XXXX and XXXX and it has taken well over 30 days of me not receiving any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 are you tempted to pay my utility bill whats the balance of {$3900.00} with my personal capital one quicksilver card. The card had a XXXX balance and was paid off and understanding for nearly 20 years. Credit card declined my charge without notification to me via phone or email even though they have all my current information on file, and upon calling them I found out that they put a restriction on my card. They then demanded that I send them a copy of my drivers license front and back, my Social Security card, and a current utility bill proving my home address. Although this request was made over the phone and they said that they would send an email requesting the documents for upload I never received the email in the system that was some sort of scam. 
I have another account with capital one bank that I used to run my XXXX XXXX. The account is also in good standing and is paid off every single month, I do not carry a balance. Without prior warning or any kind of notification in writing or via email, the business account was also restricted. After several phone calls to the United States and non-United States fraud department, I was not able to get my card reinstated and they are impeding my XXXX. They stated that their turnaround time is 7 to 10 business days in order to lift the restriction from my card. I did not have any fraud and I am the one who made the charge. I am not sure why the accounts were linked other than they are both under my name but are completely independent of each other and get paid from separate checking accounts. I demand that these people have a policy that can help resolve fraud transactions in less than seven days, Especially for a business card. Furthermore it is not acceptable that my personal account and my business account were linked despite them being completely separate entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Cedars Business Services is attempting to collect a debt that is not mine. I received a demand letter in the amount of {$2200.00}. This debt is not mine and I will not pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate. 

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I am having trouble with what should be simple - figuring out how much my monthly payment will be. 

They also applied a payment I made to the principal instead of the interest ( even though the payment checkout says payments are applied first to interest ) and I was never able to find anyone to talk to about this. 

My servicer, FedLoan, has an error message when I try to access repayment options/payment on their online portal saying " this information is not available. '' I try to email them ( once in XX/XX/2021 and once in XX/XX/2021 ). I try to go to the chat option to see if I can talk to someone and I have tried this maybe 30 times ( I check a few times a day for weeks ) and they have never had anyone available. I think the chat function does not really exist. 

So I try to call them ( almost 10 times ) during their business hours. The automated line does not even provide an option to speak to someone but I eventually figure it out by pressing 0. They never have a representative available and say they will call you back. When the call back rings, and I pick up, it " buzzes '' and then automatically hangs up. 

I also sent them a XXXX  message. 

I have yet to receive a response or speak to anyone about what my expected monthly payments will be. How am I supposed to know how to budget for it and when it is due?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2021, I was alerted through XXXX that I had a new hard inquiry and that a new checking and savings account was opened in my name. It was opened with Citizens Bank. I did not open any accounts nor have I given anyone permission to do so with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
CAPITAL ONE BANK XXXX XXXX ***** OpenedXX/XX/XXXXBalance {$960.00} Late open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo XXXX XXXX : XXXX FHA Case Number : XXXX Name on Account : XXXX XXXX Mortgage Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX The following two partial claims recorded on my mortgage has never been subtracted from the mortgage balance to reflect the funds Wells Fargo Home Mortgage received from Hud : Partial Claim - {$7000.00} - XX/XX/XXXX - Hurricane Rita Partial Claim - {$7000.00} XX/XX/XXXX - Hamp Program I am requesting your help to have my mortgage balance updated by Wells Fargo Home Mortgage to reflect the funds they received from Hud.

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 2021-11-08 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: OR

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that XXXX XXXX  has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted Experian and they say that XXXX XXXX has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). Experian removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) 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 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I have a rent debt on my credit. It was removed from all 3 credit bureaus but it still remains on my rent bureau report. I was informed that the rent debt was for an apartment that i never lived at. I was a victim of identity theft. Someone filed taxes using my social and I had fraudulent things put into my name. I have been clearing up this mess since I became a victim of identity theft. I have been disputing things on my credit report and submitting documents and proof. There is no reason this rent debt should be showing on the the rental bureau when it has already been removed from all 3 credit bureaus. I was under the impression that this issue was resolved but i recently went to co sign on an apartment for my daughter and it showed up on the rent bureau. Which was surprising to me because I have not had any issues since its been removed from the 3 credit bureaus. 

I have continuously disputed this fraudulent Rent debt and have successfully had it removed from the credit bureaus therefore it should also be removed from the rent bureau. I never lived at these apartments. I was residing in XXXX XXXX, NV with my fianc and his sister and her son. I should not be held responsible for someone illegally using my personal Information. It is already bad enough that I have issues every year filing my taxes due to the identity theft. I would like to see this issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
XX/XX/XXXX received a letter from Umpqua closing my account within 10 days. Vice President and Assistant Manager are discriminating and talking about clients with other customers and sharing my private account information as an ex employee with other employees in the branch. They closed my account without 30 day notice all because they dislike that I dont work there anymore. I readily used the account and last transaction was XX/XX/XXXX when branch manager from other location was informing me of all the issues still involved with employees still employed at Umpqua. I left the toxic work environment and now she has closed my account because of it. The work environment and banking environment is lacking structure and management.

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 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: PA

Complaint narrative:
I consumer, XXXX entered into a consumer credit transaction with Discover starting in 2015. Discover violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Discover with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. Discover closed my account without my consent, due to a bank issue. After account was closed without my consent Discover continued to charge me late fees for months after account was closed without my consent.

Company response to consumer: Closed with explanation