vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: IN

Complaint narrative:
I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in EQUIFAX so I believed EQUIFAX was not able to investigate this account promptly. Please supply any signed agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
The credits are not being applied on my account. On XX/XX/XXXX, I made a return and I should get back 80 dollars. I see it on my statement as green as in credited but it isnt in my account. I had a 23 dollar return credit work out the same way. I showed as credited but wasnt actually in my account. Im not sure where my money is located but its not back with me like it should be. This is a new complaint for a new issue. Not a repeat complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NY

Complaint narrative:
The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule. 

XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I XXXX from a four-year program at XXXX in XXXX. My student loan debt total was {$26000.00}. My loan has been managed by AES. 

It's been difficult repaying the loan, but we have never defaulted. 

As my wife also had a small balance left on her student loans, we were advised by AES advisors to do a Spousal Consolidation of our loans ( a program offered by AES at that time ), which we did in XXXX. 

In XXXX, the Spousal Consolidation loan program was abandoned as a bad idea - no new Spousal Consolidation Loans would be granted, but those of us with Spousal Consolidation Loans would remain status quo- with our Spousal Consolidation loans intact as such. 

I began full-time employment at XXXX in XXXX. Around XXXX, a coworker told me about the Public Service Loan Forgiveness program. Under the PSLF, student loans would be forgiven after 10 years employment in public service, and we were thrilled to discover that my work at XXXX would qualify as Public Service. Indeed, I served XXXX XXXX XXXX XXXX wholeheartedly for 13 years. The work at XXXX  was long and hard - pretty much XXXX with no time off and was indeed service related. I resigned in XXXX after 13 years of service. 

My wife and I began looking into PSLF in around XXXX. 
Our AES Advisors informed us that Spousal Consolidation precluded us from PSLF!

We were not informed about this at the time of our Spousal Consolidation.

Recently, President Biden 's initiatives have provided an avenue for all public service workers to benefit from PSLF by granting the ability to un-consolidate and refi their student loans into the Direct Loans Program.

AES has restricted Spousal Consolidation Loans from this refi into the Direct Loan Program. Clearly, they are disregarding the intent of the PSLF Program and are using any means they can invent to retain as much loan repayment income as possible. Indeed, while my original loan balance was {$26000.00}, my total balance is now $ XXXX - while, because of interest, I have repaid {$100000.00} to date. At this rate, I will never be able to satisfy this debt and will pay on it for the rest of my life. I thought the US backed Student Loan Programs were intended to educate us. In actual fact, these programs are a way for AES and other government finance agencies to earn income from American Citizens.

We were told by an AES Advisor that when the Spousal Consolidation Loan Program ended, all individual loan records were destroyed prior to Spousal Consolidation, thereby eliminating any reference information by which the loans could be un-consolidated.

A few weeks later, we were told by a different AES Advisor that this was not true, that the Advisor who gave us this info didn't know what they were talking about, and directed us to a page within the AES website which documented all of our loan information from the very beginning of our loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating 'No Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
- XXXX XXXX XXXX  XXXX XXXX XXXX closed the account XXXX Portfolio Recovery Associates reported the debt as a new collection- I never entered into a signed agreement with Portfolio Recovery Associates to pay the debt - Portfolio Recovery Associates filed a lawsuit in XXXX County Magistrate Court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: IN

Complaint narrative:
I am not sure of these accounts with XXXX XXXX XXXX XXXX, XXXX, XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.

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 2022-03-10 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: MA

Complaint narrative:
XXXX XXXX says they took off the 30 day late payment for XX/XX/XXXX now all of a sudden a 30 day late shows up for XX/XX/XXXX which was not there last week here in this dispute are the copys of last week credit report terrible how can this happen all of a sudden fix my credit

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating XXXXNo Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
This complaint is in regards to a duplicate account on both my Transunion and XXXX consumer reports. The XXXXXXXX XXXX XXXX account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.

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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Our previous mortgage company, XXXX XXXX, paid our property taxes on XX/XX/XXXX in the amount of {$1000.00} to XXXX XXXX City Tax Collector . My husband also paid the {$1000.00} taxes to XXXX XXXX Tax Collector prior to the delivery of the escrow payment to the city Tax Collector. Our taxes are paid for XXXX XXXX XXXX, XXXX, NC XXXX. 

The city issued a refund of the mortgage escrow tax payment to XXXX on XX/XX/XXXX ( XXXX XXXX to XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX, TX XX/XX/XXXX TT ). Our mortgage was purchased by Freedom Mortgage sometime in XXXX. 
I tried to get in touch with XXXX XXXX  in XXXX and XXXX about the funds but since our mortgage company has changed to Freedom Mortgage. I was not able to get answers from XXXX to XXXX but understood and was patient with the process since the mortgage was just newly acquired. 

I then saw in our Freedom Mortgage payment history the exact amount of {$1000.00} as " funds received '' into escrow. I have called once a month since XXXX trying to get our account review and the overpayment of tax money refunded. I typically speak to at least three different Freedom Mortgage employees and get transferred between departments and get promised a solution if I call back next time wasting about two hours each call. 

I did feel like I was getting answers on XX/XX/XXXX when I was told our escrow account would be reviewed, we would get a refund back to our bank and a follow up phone call. Nothing has happened and it is XX/XX/XXXX. I just called this morning and have spoken with three different individuals and have politely expressed my frustration over the matter and continued to get transferred between the tax and escrow departments and was even asked by someone at the tax department " why I was talking to them when it wasn't her department that dealt with this '' as if I have any ideas to the inner workings of their company.

I am at my ends and have wasted a lot of my patience, a lot of time and am very frustrated with how dysfunctional and manipulative Freedom Mortgage has treated me ad my situation. I have been lied to and have been blown off for months. I hope to have my issue resolved but I more hope my problems and the inept attitudes of Freedom Mortgage gets brought to light.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Here we go again with Equifax. They keep reinserting a tradeline that damaging my credit right before I going house shopping. They said I submitted a dispute on a tradeline ( XXXX XXXX XXXX ), so they reinserted this back on my report. How can you dispute something that was not on your report in the first place. I submitted disputes through CFPB previously that this tradeline was paid off. Dispute # XXXX and XXXX. It was found in my favor both times. Equifax deleted it off my report after the complaints, But Equifax continues to reinsert this tradeline with negative statements. Damaging my credit. Now I have to wait until this is resolved again. This tradeline paid. XXXX is Equifax XXXX with me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$22000.00}. The collection has been reported as a past due balance. I don't know this company. I have never done any business with this company. Thi9s company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: GA

Complaint narrative:
My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2022, I went online and applied for a CitiBank XXXX XXXX AAdvantage credit card. Upon the completion of the application, I was denied the extension of credit. The following day I received an email sta

ting why I was denied the extension on credit. The Adverse Action ( 15 U.S. Code 1681m ) Letter. In That letter it stated that the denial resulted from " Your credit bureau report shows that your balance on your open accounts are too high when compared to your credit limit ''. A adverse action is not valid when it comes to an extension of credit. That is DISCRIMINATION ( 15 U.S. Code 1691 ( a ) ( 3 ) ). I in good faith exercised my right under the Equal Credit Opportunity Act. Also an adverse action only applies to employment and insurance, NOT an extension of my own credit. Credit is the right granted ( 15 U.S. Code 1602 ( f ) ) which is the right I exercised in good faith. I granted you the right to extend my credit. I CAN NOT be denied what mines. I provided you my credit card ( SSN ) ( 15 U.S. Code 1602 ( l ) ) on the application, and you ran my credit which resulted in a inquiry on my consumer report. This provides proof that we entered in a consumer credit transaction, however I received no benefits which is unauthorized use ( 15 U.S. Code 1602 ( p ).

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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
We have our tax and home insurance escrowed with our mortgage company ( Ameris Bacnk ) so our monthly payment incudes mortgage, tax and insurance. In XXXX of this year, we received a notice from our home/auto insurance company that our policy was to be cancelled for lack of payment. Since we do not pay our home insurance directly we contacted our mortgage company to see what was going on. After hours on the phone they deferred us to the insurance company that makes payments for them. After more hours on the phone, we discovered our mortgage account was on hold, not from our lack of payment ( we have never missed a payment and pay extra every month ), but because the mortgage company was selling our mortgage to another. Thus, the paying insurance company said the could not make a payment while the account was on hold, even though they had the money to do so. We also discovered our account had been on hold since XX/XX/2021 and we were just now finding out about it. 

We immediately contacted our insurance co. so they were aware of the situation. We were told that it should be cleared up within the week. Fast forward a month filled with hours upon hours of phone calls and transfers, the paying insurance co. still would not pay, nor refund our money so we could pay and so our home insurance was cancelled. Now, my home was no longer protected, but my auto insurance went up because we no longer had the " bundle discount ''. 

After two more weeks the hold was finally released on our account. But now we had to set up a new policy with our insurance provider. We did only to find our home insurance costs were going up about $ XXXX now due to market increases. Regardless, we created the policy and the paying insurance co. finally paid. 

Then, Ameris Bank send us a letter telling us that since WE allowed our home insurance to elapse, WE had to carry hazard insurance now that would add and extra {$3000.00} a year to our payment. We obviously argued that our insurance would not elapsed if they had not put a hold on our account and not paid it with the money we had already given them. At this moment, they have reduced that {$3000.00} payment down to {$700.00}, but I refuse to pay it. They promptly threatened to send me to a collections agecy. Please be aware that in all of this we have still not missed a payment. We feel helpless and cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I filed a claim with Navy Federal Credit Union XXXX on XX/XX/2021 per their instruction in the " Guide to Benefits for XXXX XXXX '' for Cellular Wireless Telephone Protection Coverage. 

My phone was broken beyond repair so I filed the appropriate documents for my insurance claim that should cover up to {$600.00} with a {$100.00} deductible. They are stating that my phone is not covered because I have too many lines on my account. The other lines are part of my family plan. I am making the claim for the only Eligible Cellular Wireless Telephone and I am the only Eligible Person for this benefit per their guidance. 

I was denied my claim on XX/XX/XXXX. I followed up with supporting documents and they are still denying my claim satying I have too many lines. It is my credit card and the claim I am making is for my phone. I will attach their guide to this complaint. Please notice both their definitions of the Key Terms concerning : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I had a late payment on my amex account. I recently fell on hard times due to covid. I tried to pay as soon as i could. I explained to them what my issue was and they never responded

Company response to consumer: Closed with explanation