vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been wanting to pay off on my private loan but they want me to pay XXXX a month which is too expensive. They will not work with me on lowering my payment. My co-signer and I are divorced and he does not work enough to contribute to the payment. I am simply seeking a lower month ly payment. 

I have also applied for some forebearances that I am told I am eligible for then I am denied. Inconsistent information and advice gets frustrating especially when I am doing what to can to pay my loan off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an account with Chase credit card # XXXXXXXX XXXX XXXXXXXX XXXX. My card was stolen and I noticed multiple fraudulent charges made totaling around {$19000.00}. Some of these charges occurred at non-kosher establishments, which indicates that they were not made by me ( THE XXXX HOUSE, XXXX XXXX XXXX XXXX RESTAURANT amongst others ). I strictly observe kosher, and would not eat or take food to go that does not have certified kosher certifications. There were also large charges made at XXXX XXXX  STORES, XXXX XXXX, XXXX, and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. Despite numerous calls, I received the runaround from Chase. As of now they still claim I owe them {$19000.00}. The Chase representative I met with agreed that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX. 
I have attached a police report in which I state that everything I have stated above is true. 
as well I have attached a business card of a Chase representative that agrees with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: LoanCare, LLC
State: MO

Complaint narrative:
Loancare ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. Loancare reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with Loancare and the credit bureaus. Loancare provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, Loancare again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that Loancare was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, Loancare erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that Loancare had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to Loancare as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by Loancare based on the complaints I've seen online which requires further inquiry by the CFPB.

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 2022-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have accounts with bank of America for long time, I transferred XXXX dollars to my savings account from my checking account for some emergency fund on XX/XX/2021 and the bank took it away from my account without notifying me, i received a letter later and called the XXXX number but the bank employee was very rude so then I made an appointment with the bank staff and went there spent about 3 hours with no solution and left, the bank manager assured me on XX/XX/XXXX that she will follow up but till now I have not heard from them. this is very hurting emotionally and physically, I am chronic XXXX XXXX patient it took me long time to recover. This money was taken because they said once upon a time my husband owned the business which I am not aware of, he does not remember either. This is wrong done but not taken care by the bank.

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 2022-01-18 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: AZ

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-18 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: TX

Complaint narrative:
XXXX is reporting the following medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay I have already disputed with XXXX multiple times over 4-6 months and still i do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these types of inaccuracies are unacceptable. 

Account No. XXXX XXXX {$200.00} Account No.XXXX XXXX {$480.00} Experian & XXXX is reporting inquiries on my credit files that is paid off and still needs to be removed. I have a right to an accurate credit file and types of inaccuracies are unacceptable. 

Account No. XXXX XXXX {$0.00}

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 2022-01-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from credit karma indicating a credit score drop of XXXX points with XXXX and XXXX XXXX due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. XXXX fell to XXXX from XXXX and XXXX XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: AR

Complaint narrative:
Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at one point XXXX On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now XXXX has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.

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 2022-01-18 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: AR

Complaint narrative:
Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at one point XXXX, On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now XXXX has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.

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 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
In XX/XX/2020 I financed a XXXX car through Bridgecrest. Once the financing was approved and completed and the car was delivered and I was able to set up and log in to the site to schedule my first Bridgecrest payment. It was only then that I discovered that there was no information about my loan on the site other than the amount of money I paid and the date it was withdrawn from my account. There was no a ) current balance b ) interest rate c ) applied principal v. interest d ) fees, tax, other misc. charge info XXXX ) proof of GAP coverage financed, etc. 
Again, the only information available was the amount of payment and the dates I've paid them. I have never seen anything like this from a loan company before so I reached out to find out where I could retrieve this information each month when I make my payment. Unfortunately, so far, I have never been given any alternative options to learn what happens to the payments I am making, how they are applied, or what they are applied to. Instead I am confronted with more questions. 
Isn't transparency and full disclosure required by financial institutions in the U.S.? 
My hope is to compel Bridgecrest to provide all customers with consistent, complete, and reliable information on the status of each loan to every customer. If this is not already a legal requirement by all financial institutions it certainly should be.

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 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On today XXXX, XX/XX/2022, Ally Auto would not let me speak with a supervisor about my account to get it fixed after calling 3 times. 

No actions have been taken by the company. There are over {$800.00} showing after my account is to be paid off this XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: DISCOVER BANK
State: NY

Complaint narrative:
15 U.S. Code 1681a ( D ) ( 2 ) ( A ) ( i ) and 1681a ( D ) ( 2 ) ( B ) states that ... .... except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; A authorization or approval of any account would be anything like a credit card, mortgage, auto loan etc should not be on consumer reports also transactions either discover has been reporting these account without my permission as well as they shouldnt be there anyways as it should not be included in a consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt collectors. Recently I noticed my XXXX XXXX dropping as the charged off balance was " increasing '' every month. We disputed it with Transunion. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting Transunion but they stated they only report what the debt collection company tells them. I can't do anything about it. XXXX XXXX was the debt collector.

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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Revolution Financial Inc.
State: MS

Complaint narrative:
I received or was supposed to receive a letter from yaw about cfpb vs XXXX XXXXXXXX XXXX but yaw sent it to my old address and it got sent back to yaw. i done alot of title loans with approved cash and if they owe me money then I want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX that said they had given my debt to someone else even though I dont owe anything. They also stated that they didnt have anything on file saying I owed a debt of {$2500.00} in XXXX I never even leased an apartment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Spoke with Lexis Nexis, XXXX, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXXOn XX/XX/XXXX, I went to my nearby Bank of America ATM ( ATM ID : XXXX, Serial number : XXXX ) to make a cash payment for my credit card. I put my credit card and chose Make a Payment option and then I chose Cash payment. Atm asked me to put can, and I put the cash of amount {$660.00} into the atm machine and it starts counting. And as soon as counting finished the ATM shows me transaction cancelled and gave only around {$170.00} cash in return. After that no receipt from the atm was provided to me and I can not see any reported transation into my account statement. I was missing approx. {$480.00} which atm machine ate. I contacted bank of America on that same date of XXXX XX/XX/2021 and when I complained about it, bank s agent told me to wait for 10 days for this issue to be resolved. After waiting for 10 days I contacted them again and now they told me again to wait for 2 months. This is not what I expected from the bank.

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