vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to access my Equifax report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last XXXX digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with Equifax I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX  has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-07 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: DE

Complaint narrative:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Good morning, Once again, I'm filing another complaint against Equifax because they've lowered my score with no cause to do so! 

As you can see, despite the fact that I have an impeccable XXXX YEAR credit profile, they'rereporting my length of credit history incorrectly. Also, there is absolutely no way that my score should be what it is - not to mention, the fact that they've lowered my score almost XXXX points in XXXX days! 

This is absolutely outrageous and I need your assistance in fixing it, please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: NM

Complaint narrative:
Bank of the West in response to an investigation into the account in question admitted bank error. ===With reference to your statement the Bank did not make payments you initiated, and deposits were not credited to your account, the Bank returned items as there were insufficient funds in the account. The deposit to which you are referring, occurred on a day where the systems were down. The Bank acknowledges and apologizes for the delay and processed the item as soon as it was brought to our attention. === However, no adjustments were made to the account because of these errors. Simply processing deposits when alerted to the error did not rectify fees on the contrary this error created excessive fees with reoccurring fees. Each acknowledgement and apology about All Bank created error was met with a fee. 

The Bank of the West representative also admits that the upper management representatives refused to close the account. Bank representative states as ===On XX/XX/2017, our records show you spoke with XXXX XXXX, Senior Retail Customer Services Officer/Vice President , regarding the status of your account=== with all the knowledge of all employee mishandling of the account, Bank generated errors, less than professional service in the two Banks- XXXX XXXX Branch @ XXXX and the XXXX XXXX @ XXXX XXXX and a written request to sever all association with the Bank for stated problems and more issues with customer service phone line I believed the matter was over and association with this Bank was severed when I received a check from the Bank of the West. 

Bottom line the Bank did not rectify Bank error and an account was not closed. Allowing fees to accumulated without adjustments or correction for Bank created and generated errors. The Bank collected insurance and the account was sent to collections. I was misled, by the Bank of the West, with the receipt of a Bank of the West check after all requesting 's to sever all association with the Bank of the West.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
I was alerted through email that I was approved for a {$700.00} payday loan that I had not applied for. I had applied for a loan several months ago, but not yesterday XX/XX/2021. I also received a hard inquiry for this application. I immediately called the next morning when they were open and they were able to void the loan, and told me to proceed with filing complaints. I do have a fraud case open with them as XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX I was the victim of identity theft and unauthorized withdrawal of {$4900.00} from my Chase checking Account. This occurred when I called XXXX customer service to correct charges I did not make. The agent identified himelf as XXXX XXXX XXXX # XXXX. He proceeded to get access to my computer and when I was away feom PC, sent the amount via XXXX XXXX to another criminal Within an hour, I went to my Chase branch and reported the fraud, The Acct Mgr took action to report this to Chase Fraud Dept, and open new check, saving and debit cars for me, and cancel old accts. She also said she had replaced the funds to my acct. ( see Exhibit 1 ) Chase Bank has not protected me and the funds in my checking or savings accounts,. They did not inform me that the Fraud Dept didnt investigate Instead - without informing me -- Chases Claims Dept opened a claim for the transaction. The Branch Mgrs did not inform me verbally or in writing that their procedure was to reverse the loss by loaning me funds to use while they investigated claim. On XXXX I received letter ( exhibit 2 ) stating that the claim was denied. I received the letter, evening before they were to me take back the funds from my account. I called claims dept but they refused to hold up the withdrawal for me to challenge their decision and further told me their report of investigation would not be discussed or sent to me On XXXX at midnight, Chase withdrew {$4900.00} from my acct including my monthly Soc Security and XXXX retirement deposits. That day, Chase told me they would pursue me to collect the balance of funds earlier returned to me They said their bank 's procedure and policy was not to recover or replace funds stolen from customer accts if fraud happened after customer identity was stolen and used to withdraw customer 's funds. My checking account continues to show that I am overdrawn - {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
hello my name is XXXX XXXX ive had mortgage transferred thru different lenders and have done several loan modifications still owe almost as much as i did when i purchased home in 2003 las t modification was extended another 8yrs with higher rate and rates were lower than they had ever been during covid so i had 22yrs they ext to XXXX for XXXX in late pymts no one at that company can explain how they came up with that math this loan was bad from the start was promised a lower rate at closing than i actually got need this explained to to because it doesnt add up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
We were issued a {$250.00} digital american express gift card. The card was loaded via XXXX XXXX to my and my wife 's phones. The card was declined at four different retailers that accept both american express and XXXX XXXX 

The digital card was used in an attempt to pay for goods/services online, through several different retailers. The card was again declined at mulitple retailers, for amounts under the balance of the card. 

American Express has unhelpful. Multiple phone numbers they list simply hang up or are computer assisted only, without customer service representatives. I requested a statement credit on my Amex card we hold with them, declined. I requested a new physical gift card, declined. I was on hold for over two hours, and have not received any indication that we are working towards a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Did not receive my demand letter from this agency. Account now on my credit report. Have disputed with creditor twice. Have no knowledge they turned me to collections. On XX/XX/21 professional placement services have placed an account on my credit with no communication with me. I have disputed with creditor for improper billing per my insurance. Amount was for XXXX XXXX now they reported XXXX XXXX  to my credit. Per fdcpa I have 90 days to dispute with collections before it can be on my credit. I was not sent any notifications of this collections until alerted by credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
A account was opened with XXXX using my SSN in XXXX WI in XX/XX/XXXX without my consent or knowledge by a person I do not know. This account fell into collections and I was not made aware of it till a collections agency showed up on my credit report. on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 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 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days 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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax should not be reporting the US DEPARTMENT OF EDU account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see page attached from my credit report. ) These loans are in deferment. ( I have attached a copy of the confirmation letter from XXXX as well as a letter from the US Department of Education for reference. ) This false reporting of these accounts is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted both the US Dept of ED as well as the bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
these accounts don't belong to me. Please remove them from all 3 credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencie : XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

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 2021-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
As required by the stated guidelines for the Public Service Loan Forgiveness program since XXXX, I submit Employment Certification Forms annually to maintain eligibility for PSLF. At most, this process of certifying employment and eligibility has take 2 weeks to get a response from the student loan servicer MyFedLoans/PHEAA. 

I am now eligible for loan forgiveness through the Temporary Extended Public Service Loan Forgiveness program and have been for more than a year, after maintaining eligibility for 12 years of regular monthly payments, but the servicer is saying they need more time to certify my employment. I have recertified every year, the servicer already has records of employer eligibility, so there is no reason for a delay to a process that has taken 2-3 weeks in the past. A representative even called me with a question the week I submitted the revised ECF and TEPSLF application form XX/XX/XXXX to verify information so I know it was reviewed by a human. 

When I called MyFedLoan on XX/XX/XXXX to inquire the status of my application I spoke to four different representatives and PSLF specialists ( # XXXX, # XXXX, # XXXX, # XXXX ) and they all confirmed there is a backlog of applications and was told process for certifying employment was changed to the Department of Education. I called the Student Loan Support Center at the Dept of Ed to confirm the same day, to inquire what I needed to do to escalate my application, and was told this was incorrect, MyFedLoan is the Department of Education processor, and transferred back to MyFedLoan, and was told to use the online tool to submit the paperwork I have already submitted, including tracking down signatures from 12 years of employment which were already scanned uploaded and approved on the MyFedLoan website. 

There is absolutely no justifiable reason for the delay, the processor already has the records they need to certify employment, eligibility for loan forgiveness, and to pass the TEPSLF application back to the Department of Education for approval and loan forgiveness. The servicer knew there was going to be a backlog of eligible applicants as this program has been around for more than a decade and delaying forgiveness is a disservice to the public servants who have been working towards forgiveness for the duration of the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
There is an account on my credit from Credit Control Corporation that does not belong to me. I have contacted them several times in hopes of getting this issue resolved and to no avail was we able to get anything accomplished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: PA

Complaint narrative:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

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 2021-06-07 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: PA

Complaint narrative:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Corporation
State: SC

Complaint narrative:
This number is repeatedly calling my husband 's cell phone asking for me. He said they will not give him any information. When I look at my credit report I do not have anything listed for this company. It is very strange they would call my husband 's phone number, yet ask for me. Our cell phone are not connected to either my name nor my husband, as they are company phones.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
I'm on forbearnce plan with XXXX  XXXX XXXX XXXX i have been making my monthly payment from XX/XX/21. thats 5 months.=XXXX. they have not credited my account for these payments. Also, my bank states payments have been made. customer service transferred me and waitting over 1:30 minutes now for update on my account? tis has become very stressful. No one is telling me where my payments went? please help.

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 2021-06-07 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation