vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted Santander a few times to request removal of PMI, as my current outstanding balance reached the required level to qualify for the PMI removal. As of XX/XX/2022, t

he LTV ration yields 77.53 % where the PMI should be automatically removed. However, the communication I received states that in order to qualify for PMI removal at this time I have to order appraisal which I will also have to pay for ( over {$400.00} ). And it also states that it does not guarantee the PMI removal. In the market where the real estate prices have been increasing, I do not believe this is reasonable. Especially provided that the LVT at this time is below 78 % of the original value.

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 2022-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Hello, I had a bank account with XXXX and they sold the division my account was with to Citizens Bank they started the transfer of the bank accounts in XXXX, I was supposed to debit card at the end of XX/XX/2022. The accounts would be officially transferred to Citizens Bank on XX/XX/XXXX they were but I couldn't get into my account for days then I called and the line has been busy every since, then I call the lost card line and was told on XX/XX/2022 that I would get a XXXX of my debit card sent to me in 2-days, I have not gotten that card yet. Basically, I have no accessbiility to my money for over a month and 1/2 and the bank isn't offering any messages online to state what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX and XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
Specifically, there are 68 payments that have been made under my Public Service Loan Forgiveness program that Fed Loan is now claiming are " ineligible ''. Currently, I have certified my employment with a Non-profit and/or the Federal Government from XXXX, 12 Years. Two years over the 10 year time period for the program. The rationale for the " ineligible '' payments are quote " In order for a payment to qualify, it must have been a payment you were required to make. You were not required to make any payments during the following period ''. 

This is fraudulent on many levels. I made payments in good faith. Fed Loan accepted all of the payments to include the 68 in question. However, now I'm being told that on 68 occasions my payment was not " required '' although accepted and applied to my account; but because they didn't require it or send a bill it doesn't count towards my 120 Public Service Loan Forgiveness. If the payments that were made were not " required or requested '' then why would FedLoan accept them? Why wouldn't it be refunded? 

I never wanted to miss a payment given the Federal Governments high interest rate ~7 % and the overwhelming interest I would accrue. I have paid consistently since 2010. My Principal Balance is STILL {$65000.00} as I have paid {$20000.00} in JUST INTEREST and only {$3000.00} has gone to the principal.

My payments continue to increase as my income does with inflation, however its a never ending cycle that I am trapped in. I've paid ~ {$23000.00} and I still owe my original balance. Additionally I have worked in public service to serve my country and community, working as a XX/XX/XXXXXXXX and now at the XX/XX/XXXXXXXX XXXX XXXX for 12 years and still don't meet the 120 payments/10 year program requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: FL

Complaint narrative:
In XXXX Of XXXX I lived at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I stayed there two extra months month-to-month and paid my landlord cash two years after moving out I get a judgment put on me from up or XXXX XXXXXXXX XXXX XXXX XXXX that I owe over {$3000.00} but the idiots also sent me a copy of the lease that shows that I was not under any contract when this happened and they did not own the property when I confronted them they sent me the lease and all the legal documents Ive been looked up the case number and looked up the so-called attorney and the court records none of them exist the court then said that I had a hearing coming in XXXX so I attended virtually but no one came back on the line to put me on the zoom call so then I got up the entire deck handed to me just because of the fact that I wasnt at a hearing when I actually was the lawyer is an actual lawyer with the Florida bar but its not its a fictitious name and when I looked on their website of open cases my name is not on there. I also had a security breach in my credit in XXXX by XXXX  the alcohol delivery service and they re-Kavic on my credit until just recently I am being denied a place to live because of my credit I am with XXXX XXXX and they are repairing everything they can my student loans shouldve been paid off years ago the IRS has taken {$30000.00} of my tax money and has never given me an explanation of why Im a W-2 employee Ive worked in the XXXX field for 20 years Ive never owe the IRS money but my late husband did owe them money but we were only married for two weeks in XXXX so the taxes that theyre charging me with our XXXX taxes he was married to someone else I need assistance desperately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXXk XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 2022-03-12 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: TX

Complaint narrative:
I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
On XXXX XXXX a collection agency by the name of Southwest credit had placed an unknown debt collection account on my credit report with XXXX which had dropped my score XXXX. However, i did call southwest collection and spoke with a manager name XXXX about the situation. I have told her that the debt is not mines and gave her the account number from the collection information that i had saw on experian. she enters the information and tell me that the account was recently open in XX/XX/XXXX but had been closed since XXXX and i need to call the original creditorXXXX XXXX  XXXX bank which is now XXXX. Which is confusing. Anyway, She gave me the number to the XXXX fraud department and i had call to speak to numerous agents at once while putting me on hold. I was on call with them for about an hour, literally. Anyway, the agent at XXXX  had said that she dont see an account. So i gave her my social security number but nothing had came up either. The agent had told me since i have a common name, it could be a mistake and to dispute the account with the credit bureaus. I said okay and hungup. Seven days later, my report gets updated by XXXX  XXXX bank with the collection amount. So i did dispute the account with XXXX but they had told XXXX that the account is mine and XXXX didnt take the collection off my account. I had never had XXXX at the adress that they had claimed to be and, i was incarcerated in XXXX which i can show proof. And my current adress is on my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 : 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank reports charge off of a line of credit from XX/XX/XXXX {$470.00} from a debt of {$640.00} XX/XX/XXXXthis is still being reported on my credit report but the account was opened in XXXX XXXX, this really doesn't make sense because I paid off my car then so why wouldn't I pay oof this line of credit. 
This is stolen identity or mistaken identity

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 2022-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NV

Complaint narrative:
I am constantly contacting AES Loan Servicing in regards to the fact that I can not fill out the forms I need to fill out to get my IBR plan on track or send in my recertification. Everytime I try to log into my account on the student aid.gov they can not confirm my social security number. It states on the web page it takes 1 to 3 days to confirm, This has been over a year. I am limited to access on my account due to this. The interest on my loans have doubled my loan amount. I dont even know how I got bamboozled into consolidating my loans with this company purely a rip off! How can they continue to report me to credit bureaus when they cant even verify who I am!

Your information is still being verified by the Social Security Administration. This process usually takes one to three days. If you provided an email address when you created your account, we'll you an email confirmation once your information is verified. XX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 : 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2022, two refunds were posted to my debit card ending in XXXX for the amounts of {$270.00} and {$86.00} from XXXX. The account was closed prior to the insurance of the refund. These amounts would have left a positive amount on my account. Lastly, XXXX verified that Key Bank accepted these refunds and they were successfully deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: NY

Complaint narrative:
I dont use this account and thought it would be closed after 90 days of {$0.00} balance. After Key Bank flat out lied in their previous CFPB response to another issue, I wanted the account closed. The customer service representative said it could not be closed even if it had a {$0.00} balance. I waited 90 days and it is still open. Thankfully, I have many choices when it comes to banking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I sent amsher collection services a cease and desist letter by certified mail. I also attached an invoice for {$5000.00} and the exhibits to match my claim of amsher collection services violating my federal protected rights. They already admitted to guilt by deleting the collections off my credit report that they fraudulently added without my consent. I need to be compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: LA

Complaint narrative:
I have a loan with First Investors Servicing Corporation and having an issue understanding their billing method. My payment is due on the XXXX of each month. If I do not pay on this day, they are calling constantly which is harassing since they know that there is a 10day grace period on my loan applies that I have 10days after to pay without a late fee applied.

I need assistance with the company that the calls are not warrant due to the grace period. 
If the payment maybe late, I will be calling them myself.

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 2022-03-12 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: HW Holding, Inc
State: SC

Complaint narrative:
XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. Hunter Warfield, Inc is reporting a account that is not affiliated with me. I requested a notification letter from Hunter Warfield through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore Hunter Warfield DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 : 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
In addition to the issue that I named in my last complaint, Fed Loan Servicing has failed to list my most recent approved employment ( a certification form which it received on XX/XX/XXXX. ) I have attached the inaccurate qualifying payment count letter I received on XX/XX/XXXX, the letter on XX/XX/XXXX indicating receipt of my certification form, as well as a copy of the certification form ( please note the copy I attached does not have my signature but the one I mailed and that was received by Fed Loan Servicing does ).

To update my qualifying payments to the correct and accurate number of over 90, including updating my approved employment time for the job in question/ certification form from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: WA

Complaint narrative:
My credit score was XXXX until I filed complaint numbers : XXXX XXXX XXXX I checked my credit score today and it is now XXXX ( XXXX ). That is the single-digit number after XXXX. 

None of the companies in the above complaints have ever replied with any meaningful information regarding those. But, they have done something!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My phone and wallet were stolen from my studio and used to make a fraudulent check deposit and multiple transactions on the card afterwards on or around XX/XX/XXXX of 2021. The check was deposited for {$18000.00} and the unauthorized user made over {$7500.00} worth of fraudulent transactions before my account was frozen. There were many consecutive repeat transactions that were clearly suspicious but still went through. I was never alerted or contacted until after I noticed the fact. I tried to contact chase as soon as I noticed but was unable to speak to anyone at any of their call centers or different phone numbers or departments. I thought they would reach out to me but I still would try to call periodically. After finally getting through to claims and opening a claim, it was denied because it wasnt reported in a timely manner. I provided them with call logs showing my attempts to reach out. I was distressed and had a lot to recover and deal with and I felt completely neglected by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank refuse to remove Unauthorized fraudulent charges are still not removed from this account.The creditor stated that they are going to close out my credit card and personal checking account with them. They have not given me a valid reason why they are closing my credit card or checking account I was told by a representative when I called in to come and get all of my money out of my checking account or they will mail me a check and they are closing my accounts with them. Them closing out the credit card will cause my credit to decline especially with the unauthorized fraudulent charges balance. This is retaliation against me for reporting them for not protecting my rights under FCRA laws as a victim of theft.

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 monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: OH

Complaint narrative:
Someone received Ohio Unemployment benefits in my name with a application date of XX/XX/XXXX. Even though I have been employed at my job since XX/XX/XXXX. Than Friday XX/XX/XXXX I received a bank statement from Keybank ( that I have no accounts with ). I went to the branch today and filed fraud paperwork with them as well.

Company response to consumer: Closed with explanation