vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened a XXXX XXXX America Express credit card and was promised a {$100.00} statement credit after spending the required amount on my credit card. I contacted the credit card company and the customer service representative said that the statement credit of a {$100.00} would appear on my statement in one to two billing cycles. The statement credit never appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accouns mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC
State: FL

Complaint narrative:
They reported to credit bureau that I have an account in collections with them ( XXXXXXXX XXXX XXXX XXXX ) from " Sapientes Funding LLC '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Regarding Aidvantage : On XX/XX/23 I attempted to make a payment of {$9000.00} which ended up having a payment reversal. I made sure my bank details were correct and even tried using a different account on XX/XX/23 to make a payment and that was reversed too. Both times I received email confirmations of my payment and at no point did I receive any notification that my payment had been reversed. There is also no information telling me what went wrong with my payments so I have no idea how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX : XXXX XXXX # XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/ XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Contract hire ) XX/XX/ I have no knowledge of these inquiries an they shouldn't be on my credit report I did not authorize them to pull my credit these are fraudulent inquiries

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Today, I am writing this complaint to XXXX XXXX XXXX regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history, and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I received a letter that informed me that my student loans were forgiven and that I was NOT to make another payment towards the loans. 
" The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). '' I followed the instructions and did not make further payments to Aspire Servicing Center. Prior to the announcement about student loan forgiveness for these schools that misused and abused students, I contacted them to provide verification and then to validate that this was even my loan that I had been paying on for years. They did not respond, nor did they provide me any proof of how this loan was even associated with me. 

Years prior to this, I had been paying this loan because I was told that if I didn't, they would mess up my credit. I felt I had no choice but to pay it. I found out that they violated my rights and when I began to question them, they never responded. I stopped making the payments for this reason as well. There was no recourse for the non-payments but then in XXXX XXXX I started getting letters saying that they put my loan with them in deferment. I never asked for this, never signed anything, never even spoke to them. A forgiveness was filed and granted for my student loans, yet they are still trying to collect this debt. 

In XXXX of XXXX, I get a notice for payment, and I get an alert that they had reported this account as negative to my credit that dropped my credit score. They have violated my rights for the last time. I am filing this complaint because they are abusing the system and never has shown proof of the debt. The debt belonged to XXXX XXXX as shown above from the email that I received in XXXX of XXXX, clearly a school that misused federal funding and mislead students. Please help me by deleting this debt and removing it from my credit report for violation repeatedly of my consumer rights. 


Thanks, 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following Hard inquiries are in my credit report due to Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account with Chase Bank actually XXXX  accounts XXXX  I have direct deposit one I do not have direct deposit because on the third account I don't have direct deposit I have to make XXXX purchases a XXXX keep from getting any fease I'm making the purchases which bills Are being paid on that account monthly so I am making a XXXX purchases but at the end of every month I keep getting this {$12.00} and sometimes I sent the XXXX and XXXX and XXXX again I don't look at my account too often last month I looked at the account and they had been doing it for months even though there has been XXXX purchases every month white clock work But they continue to take that XXXX dollaresult for a fee for not making the purchases I contacted Chase Bank a month ago they credit me all the {$12.00} fees But again last month The fee was charged to my account again when I looked at my statement this is a ongoing situation I am unable to close the account because I have to come in to a branch to close the account as well as my son because I was the payee of his account when he was receiving social security Besides that the closest branch is XXXX and a XXXX hours away there's nothing closer and they would not do it over the phone so to me this is a loose loose situation I contact them over and over again and they keep putting my money back but they shouldn't have to do that if they would stop giving me the fee and I'm making the required purchases I would appreciate your services on helping me with this problem Thank you so very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX lowered my credit limit for no reason. When I called to make a payment, I realized my credit card account was closed without my knowledge.

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 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX  XXXX, and XXXX in the total amount of XXXX USD utilizing their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a promo code from Chase that I can get a {$900.00} bonus if I open a savings and checking account in Chase and meet the criteria. The term was : opening a checking account and having a direct deposit within 90 days to get {$300.00}, opening a savings account, and keeping a minimum of {$15000.00} balance for XXXX months to get XXXX, once these XXXX are met, I will receive another {$400.00}. 
I was able to receive a bonus of {$200.00} from the savings account. However, for the checking account, I double-checked with the person who helped me open the accounts, and he confirmed that an IRS direct deposit can be counted as a direct deposit. Besides that, I called Chase customer service right after I opened the account, right before the 90 days, and a few days after the 90 days. All I got from customer service was that my direct deposit from the IRS should work. However, when I called the third time, the bonus information disappeared from my checking account. Then I went to the branch where I opened the accounts. I was told IRS direct deposit might not count, and they need to escalate the issue. Later, after a few calls, I was told IRS direct deposit would not be considered as a direct deposit for the bonus. Because of the wrong information Chase employee and customer service gave, I lost {$700.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I made a payment online to Selective Portfolio Servicing ( SPS ) of {$1600.00}.

During the payment processing I checked the box that assigned that payment to the " Accumulated Fees '' balance rather than " Regular Payment ''. That balance at that time was {$1600.00} so the payment was deliberately and specifically made to payoff that Accumulated Fee balance in order to apply for refinancing with another lender. 

By selecting the payment be applied to fees should have had the same effect as writing " For Accumulated Fees Only '' in the memo of a check, which is analogous to the XXXX Draft payment I was authorizing. 

Following their internal " policy '', SPS did not apply the payment as instructed but to a regular payment instead, now leaving me with having to pay those accumulated fees a XXXX time in order to move forward with the refinancing. 

Attached are a PDF receipt for the original payment to SPS, and a screenshot showing their XXXX XXXX and how one selects where the payment is applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Truist. I closed the account via telephone. The back office issued a check XX/XX/31 - I did not receive in the mail. I called telephone customer service and they instructed me to visit local branch for further help. Today, XXXX, local branch said there is nothing they can do to help. Teller is denying me my {$50.00} that I deposited in a Truist bank account. " There is nothing else, I can do. '' She gave me the impression that this is a loss on my end because I did not receive the check. Prior to visiting the branch, back office mentioned retail branch can help ( void check, re-issue, or give me cash ). This is not the case. 

I asked the teller to further look into my request and she denied helping me. Again, Truist owes me {$50.00}. 

She did not want to offer additional help or phone numbers to contact other staff members. 

Contacts at Truist ( who did not help ), XXXX XXXX, XXXX, and XXXX. 

Please help me resolve this matter. 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 explanation