vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had an account with Bank of America. I ended up losing my wallet and I started getting these notifications that my card was being linked to different things. Couple days later my account was closed by the bank. When I asked, they said they said business reasons. I ended up calling Bank of America at least 12 times and I was put on hold for 20+ minutes each time only for them to answer and transfer me and the call immediately dropped after I was transferred. I finally got to talk to one of them and they said there was a fraud alert on my account and that my account had no valid funds and was negative {$1000.00} and I owe it to them. I dont know whats going but I havent been able to open a new bank account because of this. Also some things with my Social Security number dont work either. Please fix this ASAP.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have Experian get back to me with regards to the issue. Here are the accounts and inquiries that concern me : XXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX Inquired on XXXXXX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Experian report. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : 1. XXXX XXXX Balance {$340.00}

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my TransUnion report. As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Equifax report. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: OH

Complaint narrative:
I am in the PSLF program. I have worked for a qualifying employer for over 20 years. I received a letter saying that my employers are approved, but that I have 0 payments counting toward the 120 payments. The letter states that this is updated using the new waiver guidelines. Also, the alert screen upon log in for the Fedloan website says that if you received a letter after XXXX, ( mine was dated XX/XX/XXXX ) the loan count is correct and updated- which is simply not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: WI

Complaint narrative:
FedLoan Servicing sent letters with incorrect information. 
1. I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver, however they clearly have not. After lengthy hold times I found someone who could provide correct information - the loans are initially reviewed under the standard rules, then sent for a second review under the waiver rules. This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately. 
2. I received a letter from FedLoan stating that says if I consolidate during the Waiver period my payment count will start over. This is factually incorrect based on the waiver period rules.This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX CT XXXX IN RESPONSE TO CFPB COMPLAINT : XXXX AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We purchased new HVAC system for our home the end of XXXX and received a loan to cover the new HVAC. Payments started XX/XX/XXXX and monthly amount was {$160.00}. Our account with EnerBank is billing account XXXX. We missed one payment in XX/XX/XXXX ( which we regret ) but could never go and make that payment. They added {$80.00} ( interest fee to the loan ). We also noticed they closed the account ( Credit report ) sometimes during XXXX XXXXXXXX and I know the company was purchased by Regions Bank ( I believe at that time also ). At this time, this account still shows closed under my credit account. 

We have noticed weird things happening to our account throughout the XXXX, this year we set all the payments to go automatically so we would not miss any payment due on XXXX each month. XXXX, XXXX, XXXX payments were made on time automatic withdrawals. 

This month XXXX we received an email that in XXXX ( double the amount would be deducted {$320.00} ), but we owe only {$160.00} each month. I tried to call the company in XXXX when we realized we missed one payment, their system doesn't allow for multiple payments. Their system is very consumer unfriendly. We need someone to look into them and clarify, if this was a loan, or it was a credit card. As I mentioned, things are weird and I believe there should have been more paid off by now, but isn't. Thank you for looking into this. Attached are screenshots to support my complaint. 

XXXX XXXX XXXX, or spouse XXXX XXXX ( XXXX ) P.S. : XXXX was calling about missed payment in XXXX but they did not want to talk to her, since this was under my name. She provided all the information, she got me on the phone to give permission to EnerBank talk to her and the customer service hang up on us in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( XXXX  XXXX ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by XXXX  XXXX on or about XX/XX/XXXX. XXXX  XXXX continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by XXXX XXXX. I was denied my request for any information besides a generic debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I contacted conserve for several days and was able to get ahold of someone. I contacted them into an account they are reporting on my credit report in the amount of {$760.00}. I was trying to get some information on this debt and associate named XXXX XXXX at ext XXXX stated the account is closed with their office and in order to get account removed to reach out to the credit agency. I informed XXXX XXXX that the XXXX XXXX is reporting inaccurate information that your office has supplied. XXXX XXXX did not have any other resolution or validation of debt but kept stating account is closed with their office and to contact someone else. I would like to get this information removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: AR

Complaint narrative:
My direct express card was locked on XX/XX/2022. I contact direct express several times between XX/XX/XXXX & XXXX XXXX XXXX I even contact the social security office like instructed on Monday XX/XX/XXXX at XXXX to update my phone number & email like told, at that point I was told it would only take up to XXXX hours to get my information updated & my card would be unlocked but when I called direct express once again on Tuesday XX/XX/XXXX at XXXX I told once again my information had not been updated & I was told that I could email them a copy of my ID to verify my identity which when I finally got an email to go Thur to them at around XXXX on XX/XX/XXXX they replied back they still could not verify my identity & to once again contact the social security office XXXX In the mean time me & my family have had to do without food & household supplies & if my card doesn't get unlocked by XXXX today XX/XX/XXXX our water will be shut off in the morning. I am need of help fixing this problem as quick as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I applied for loan consolidation in XXXX and was told it takes 1-2 weeks to process. Fed loan sent me an email stating that the loans were being consolidated in XXXX. However, after I reveived the email that my loans were consolidated, on XX/XX/22 my older loans were forgiven and the newer ones that should have been consolidated and received the higher payment count were not counted nor included. They literally sent another email stating that now they can not finalzie my consolidation because the older loans were now at zero and a balance is required for consoldiation. Meanwhile they just sent an email listing all 4 loans are being consolidated days prior. It makes no sense and is completyely unfair and ridiculos. I was told its a mistake and they will escalate. Nothing has been done but empty promises. I filed a previous case and it was closed because staff did not speak to me or follow directions correctly. I want someone to look over this immediately. All of the loans should have been forgiven. together. I applied on time to consolidate and obtain the higher payment count under the guidelines on time. This needs to be resolved and the remainder of the loans need to be discharged. I have been promised a review for over 2 months and nothing has been done. The supervisor says everytime we just received word about all the issues that were submitted prior to yours so yous should come in any day now. Over 2 months later absolutely no resolution in sight. I did everything correctly and applied within the guidelines. They keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a Capitol One checking and credit card account. I had a dispute that was resolved in my favor and paid the balance of my account before closing it ( I even paid about {$100.00} extra to cover any late costs and interest. Later, unbeknownst to me, Capitol One reinstated the disputed charge while I was in the hospital. They even, again, unknown to me, gave negative information to the credit bureaus. My credit score has dropped from XXXX to under XXXX. I launched a dispute with both Capitol One and the credit bureaus and Capitol One has even aggravated the matter by telling the agencies that the charges were written off. Whereas before I would get pre-approved credit card offerings, I now get offers with 35.90 % APR. To add insult to injury, Capitol One owes me money as they never refunded the balance when I overpaid in settling and closing my account. Capitol One has overgone a perfidious change in its operations. Before, if a customer had a dispute, he could be sure that it would be resolved fairly. Now Capitol One automatically sides with the merchant. I purchased a computer on Cyber Monday that stopped working the next day. I sent it back and notified Capitol One. Two months later the money had not been credited back into my account. The reason : Capitol One stated that the merchant received the computer back in excellent condition, but I neglected to send it in the RIGHT box ; thus they had to decide in favor of the merchant. After nearly three months my money was refunded. There is another example that cost me {$3500.00} that Capitol One sided with the merchant after siding with me in a book publishing contract that the publisher woefully violated the terms of the agreement. The reason : We don't understand a term in the contract.

Company response to consumer: Closed with explanation