vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: SC

Complaint narrative:
As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not XXXX ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my credit reports.

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 2021-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: GA

Complaint narrative:
WORLD FINANCE CORPORATION IS STILL REPORTING INACCURATE INFORMATION ON CREDIT REPORTS AFTER DEBT IS EITHER PAID OR DISCHARGE IN A BANKRUCPTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is incorrect on my Equifax credit report. I submitted a dispute on XX/XX/2021 online with my current drivers ' license that has my correct name on it. When my dispute was completed on XX/XX/2021 by the company, they asked me to provide a copy of my social security card. I mailed a copy of my social security card with the letter they sent me requesting said card. They have not sent me any further communication via mail, email, or phone regarding a dispute update. I have checked my online account and there is no change in my original dispute nor my name listed in my personal information. I expected this issue to be resolved easily with the documentation provided. I am concerned about future credit report access by potential mortgage lenders since we are hoping to purchase a house soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
My student loans were taken out when pursuing my graduate school education starting in XXXX XXXX. At that time, my Stafford subsidized and unsubsidized loans were serviced by XXXX XXXX. As I continued my education, my loans were then " transferred '' to XXXX. During that time my subsequent loans were serviced through XXXX from XXXX - XXXX. In XXXX, my loans were taken over by AES until now. At the time there was a income adjusted program that I enrolled in XXXX. Intrrestingly, no one ever directly said they sold my loans, like they did mortgages at that time. Upon completion of my education in XXXX, the total loan amount was + {$100000.00}. I have been working as a federal employee since XXXX. In recent years the SLRP became available, however my position never qualified for SLRP until I switched my occupation in XXXX. In XXXX, I submitted my paperwork to the Department of Education and waited for a response from the PSLF. After receiving an email response that they received my application, I waited some time for a response. I eventually reached out and was told that I was not eligible and directed me to page 8, paragraph 2 or 3, I believe, and told me my federal loans did not qualify because it pre-dated the new program and loan serving structure and told me to contact AES for options. When the program came into being, I did recieve information from my employer of its existence but no information was provided by my loan servicer that I needed to switch to FedLoan serving loan when inquired. However,, this time I was told that by re-applying for a new loan under FedLoan Servicing I could to be eligible in 10 years because of the type of loan I was under. Should I need to work beyond retirement age to be eligible? I believe that better communications from the Department of Education during the inception of this program would have informed me of my rights, rather than rely on an entity that benefitted by serving federal customers with eligible and non-eligible loans. The lack of transparency has kept individuals like myself obligated to paying these companies longer than I believe the government intended. It appears that the Dept of Education is doing this again by " selling off '' FedLoan Servicing. Where is the detailed communication to borrowers about how this will affect current loan forgiveness programs?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a merchant account with Suntust bank they set up me a merchant account for my Realestate business. I proceeded with sending invoices to my clients that has not did a charge back, and the merchant account has not yet released my funds into my account! It has been almost 4 weeks. I have tried contacting SunTrust first data risk department numerous times and get nothing but vm! They need to release my funds! I have a business to run so please help me. My business name is XXXX XXXX XXXX number XXXX email XXXX I await your response

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 2021-09-16 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: TX

Complaint narrative:
I type a letter to Wells Fargo Card Services back in XX/XX/2017 that I did not open this credit card and to remove this item 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 2021-09-16 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: MI

Complaint narrative:
I had a HELOC with XXXX XXXX XXXX, XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( XXXX and TransUnion ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.

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 2021-09-16 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: MI

Complaint narrative:
I had a HELOC with XXXX XXXX XXXX XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( Experian and XXXX ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.

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 2021-09-16 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/2021 - Asked Chase Credit Card Services if any programs to assist those affected by COVID with credit card payments- Offered to convert the open revolving account to a closed, fixed rate, fixed payment until account paid off in FULL, with interest. 
XX/XX/2021 - Pulled credit report and noticed Chase was reporting the account as under a " partial payment plan '', which greatly impacted credit score. Initiated dispute through XXXX and through secure message on my Chase account XX/XX/2021 - Chase updated information and corrected credit report XX/XX/2021 - Chase sent another credit report to XXXX and put the derogatory comment back into report. Contacted Chase, and was told " that's just the way we report accounts that we move to an account liquidation status '' Refused to correct the false statement on credit report. 

I have also attached the score information from another account that shows they are reporting this as a severe delinquency the way that Chase is sending false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications. 

On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand. 

" JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I contacted Citibank to make a payment in full on my XXXX statement. Due to credits I was told by the representative on the phone that I only had to pay {$6300.00} to avoid any interest. 

So I paid that amount, however, I inadvertently paid from my personal checking account XXXX when I meant to pay from my business checking account XXXX. I discovered the error within 24 hours and immediately on the next day, XX/XX/2021, I contacted Citibank and paid from my business checking account ending in XXXX. I asked Citibank to refund the initial {$6300.00} to my personal account ending in XXXX. The representative told me that I would receive a refund within 10-14 days. I asked the representative why they can take my money within a matter of seconds when I pay them but when they reimbursed me for my error it would take 10-14 days. 

Like the big bully these banks are, they told me that is their policy as they had to investigate. Seems odd that they dont have to investigate when I pay them but they have to investigate when they refund my money. Very typical of a one-way street. I am very upset at Citibank as I find this to be very crooked and not a very honorable way to do business. Especially when I have been a very good paying customer with a history of paying on time in full every month. 

I have supporting documents to go with this complaint that show when I paid them on time, twice, once through my personal and once through my business. I also have supporting documents that show the dates that these were paid as well as the fact that they will charge me 15.24 % if I dont pay them in full. Due to the delay because of their bullish ridiculous policy, I expect them to pay me my {$6300.00} immediately plus interest at 15.24 % which comes to {$96.00} plus a late fee of {$40.00} since at the time of this writing they are past the 14 days they promised to reimburse me which is unacceptable to me in the first place. I expect to be paid within seconds just like I pay them within seconds. 

The total reimbursement after interest and late fees come to {$6400.00}.

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 non-monetary relief
Consumer complaint received 2021-09-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We booked a trip through XXXX which was cancelled do to the pandemic. We have an email of cancellation. We never received refund and after repeated calls were told by XXXX verbally, that any trip plan that was cancelled will receive credit to use toward another trip when XXXX border re-opens ( as we were flying out of XXXX ). When the XXXX border finally opened, a few weeks ago our credit was already expired. I contacted XXXX  and American Express which we used to purchase trip, and have been given the run around. Please help, Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a new account holder with the American Express XXXX XXXX. I do not have a preset spending limit. When I applied for this card, I was immediately charged {$690.00} as the annual fee. I am not a frequent traveler so I probably will not reap much in benefits from this card. A couple of days ago, my card was declined during an in person transaction at a retail location, a rather embarrassing moment. I was never contacted by American Express to inform me that my card was on restriction due to a " high balance '' of over {$7500.00}. I have paid more than the minimum amount due in my monthly statement. With that being said, AE representatives informed me upon my call of inquiry to them that my card can not be used until a payment of over {$700.00} is paid. 

At no time did I ever receive a bill from AE for this high amount of over {$700.00}. In fact the billing has only been a minimum payment of approximately {$55.00}. I called today, XX/XX/21 and spoke to a supervisor. I could hardly hear him or understand him due to his accent. I repeatedly asked him multiple times to speak louder and slower so I could understand him. I am very upset that I have this account with such a high annual fee, but they restrict my spending. This was not disclosed to me when I applied for the account. I respectfully ask for your attention to this matter. My attempts to plea with AE officials have not been successful. In fact, they keep repeating themselves with the same answer to all of my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/XXXX, I used XXXX to transfer XXXX dollars from my US account to my account in The XXXX ( XXXX ). Because there was a lack of funds in my US account, there was a chargeback that occurred after the transfer was completed. This left me owing XXXX XXXX dollars but I did not notice it. 

On XXXX, I noticed the amount owed from the transfer and contacted XXXX 's customer service line. The agent explained to me the situation. I asked if I could use my XXXX account to pay the XXXX dollars in Eur. The agent told me that this was not possible. I explained that I had to move a large amount of money from my XXXX account to my US account to service a US-based debt, with a payment date of XXXX, not related to this transaction. I asked the agent if I could transfer XXXX Eur from my XXXX account to my US account using their service then pay them in dollars. She stated that this would be an acceptable way of paying. I initiated the transfer on XXXX. 

I was then contacted by their debt collections team on XXXX stating that the transfer had been placed on hold due to the outstanding debt that I owed them. I attempted to contact their team via their customer service chat. Each day I was told that they could not contact the team directly and I had to wait for them to process my complaint. On XX/XX/XXXX I was contacted via email from their debt department stating they could take the XXXX dollars in equivalent Eur from the transfer. I contacted their customer service team stating that this was fine however I needed the transfer expedited as I was already past due on my US-based loan. I did not hear from them until XX/XX/XXXX stating that I needed to create an additional transfer request in the amount of XXXX Eur. on XX/XX/XXXX I contacted the customer support team as I was going to be charged an additional XXXX Eur in transfer fees from doing it this way. The agent stonewalled me and stated that they didn't have any answers for me. I requested to speak with a higher-up customer support manager but was denied. 

I understand that the original issue was because of me. However, due to XXXX XXXX customer service agent 's incorrect information, this transfer was placed on hold and I am now overdue on my loan. I have incurred additional financial harm via late fees and now an additional XXXX Eur in additional transfer fees due to their customer service agent 's incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted disputes and an FTC report regarding a fraudulent account on my credit. 

Experian & XXXX : XXXX {$1700.00}

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 non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Hello. I received an invoice from XXXX XXXX XXXX for the services provided. I made full payment of balance due on XX/XX/2021 and received a confirmation email from XXXX XXXX for that payment. Yesterday I received a debt collection notice from debt collection agency PCB that I owe balance of {$60.00} and they are sending notice to collect this debt. 
This collection notice has raised my XXXX XXXX because I don't owe any debt to XXXX XXXX XXXX. This is a harassment to consumer without verifying if he/she owes any debt. 
Is there any Government Agency who can control this unnecessary harassment to consumers?

I have attached collection notice as well as payment confirmation email for reference. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation