vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MO

Complaint narrative:
I submitted PSLF certifications to FedLoan Servicing for previous years of employment with two organizations. Note, both organizations had been previously approved for PSLF eligibility. I just wanted to fill in the gaps to reflect my qualifying payments. I submitted the forms on XX/XX/21 for both organizations, unfortunately I used a electronic signature ( my fault ). On XX/XX/21 I received letters stating there were errors on my applications. I contacted FedLoan to see how I could correct the issue. I was told I needed to write a note with my signature and submit it. I did on XX/XX/21. However, afterwards, I got a feeling those directions were incorrect. I was finally able to speak with a specialist who said that a handwritten note is not acceptable and " FedLoan employees need to stop telling people to do that ''. I made the corrections ( signature ) and resubmitted the certification forms on XX/XX/21. In addition, the letters I received said that my previous and current employers needed to contact FedLoan for further verification. HR representations from both organizations called, and each told me that FedLoan really didn't understand why they were calling and I am the one that needs to take action. So, their time was wasted ( not happy ). Time went by and I reached out to Fedloan since I didn't hear anything. I was told the applications were still under review and needed additional time to process. The next month I reached out and I found out one of the applications was NEVER forwarded for review. I made sure that application process was initiated. For the other application, I was told employer eligibility was under review and needed time to process. Thankfully, the certification for qualifying payments with the previous employer was approved. I reached back out again to check on my current employers application to find out I am supposed to use a PSLF Help Tool? So I go to studentaid.gov and use the Help Tool and it generates a form to submit ... THE SAME FORM I SUBMITED IN XXXX! In addition, with the pandemic and loans being in forbearance.. My loans for some reason are not reflecting qualified payments even though I was in the appropriate repayment plan, working full-time with a qualified employer, and had XXXXXXXX XXXX. I am extremely frustrated with FedLoan Servicing!! I have been given incorrect information on numerous occasions, an application 's review wasn't initiated properly, and for some reason there are issues with my current employer, who had been previously approved? Why FedLoan? Why does this have to be so difficult. Finally.. why does studentaid.gov say I need to resubmit information for my repayment plan, but was never notified by FedLoan?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I was notified by PayPal, via email that my account would be permanently limited and that If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. On, XX/XX/XXXX I received and email that they had reversed a credit of {$1100.00}, essentially stealing my money. Upon contacting them they give no answers to why, just that I have violated terms. No specific terms are pointed out and when led to read the terms again I can not find any terms that I have violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Credit Card from Best Buy Citi Bank. I was approved and purchased a lap top for {$1000.00}. However when my card arrived with a letter and reference number : I called as instructed and Citi Bank could not verify my identify. I gave them my social security number, Home address and phone numbers and nothing was done to allow me to use the card. I tried to use it at a Best Buy and the Clerk informed that the card was not allowed to be used. When I called the agent ; the agent could not get a Supervisor to assist me with the issue and then could not even assist me or informed me what was wrong with my card. This is unacceptable I called customer service and was able to pay off my balance because I could not deal with their inability to perform a simple verification either by text verification or email.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached letter from XXXX XXXX confirming they have determined the account listed on my credit is indeed fradulent. I have also included the police report.

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 2021-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I consolidated my loans in XXXX. I owed approx. {$40000.00}. I paid every month until XXXX where I was told my loan was sold and it indicated I did not make any payments and owed {$48000.00}. I was struck with XXXX XXXX and couldn't get to my loan. It was sold several more times. I was part of the XXXX XXXX Class Action in XXXX and the loan should have been cancelled at that point. My loan instead was sold to XXXX where I was told I owed {$59000.00}. I was part of the XXXX  lawsuit in XXXX with a personal validation number of XXXX where again my loan was to be cancelled. It wasn't. It was sold again to XXXX XXXX where I was told I owed {$96000.00} where the only record was of two loans from XXXX. I have never taken out a student loan since the consolidation loan in XXXX. My loan then was sold to FedLoan. In XXXX, I went to regulatory resolution services for the federal government and was given an email saying that I should give FedLoan this information that indicated I would be in the class action lawsuit for XXXX XXXX ( see attached email ). My loan was sold to FedLoan where it stands right now and am told I owe {$96000.00}. I sent that information to FedLoan but they say they don't care they paid for my loan and I owe {$96000.00}. I went to XXXX and had them do an investigation. After 2 months they agreed that my loan was cancelled due to the XXXXt Class Action Lawsuit. XXXX has taken the loan off of my credit report and the other two credit reports are in the process of doing the same. FedLoan still refuses to remove this loan that I no longer owe. Can you please make FedLoan remove the loan off of the student loan app and release me from this nightmare. I have not been able to buy a home or do most things due to the outrageous student loan that I did not take out. I paid on the loan for almost a decade and was told I didn't pay a XXXX and now I owe {$100000.00}. I'm in a federal loan nightmare and I just want out. Please please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI

Complaint narrative:
I have been trying to reach the lender so that I can ask for mortgage assistance. My counselor XXXX XXXX also reached out to them and submitted the loss mitigation packet. They have not returned, emailed or advised of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached letter from XXXX XXXX confirming they have determined the account listed on my credit is indeed fradulent. I have also included the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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:
After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on XXXX, XXXX, and Transunion. There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX My phone number is ( XXXX ) XXXX-XXXX This is the information you have requested from me so I'm providing it to you again.

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 2021-03-30 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: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America ATM machine in XXXX, MA kept {$2500.00} of my {$2800.00} cash deposit on XX/XX/2021. The machine printed a notice with a phone number to call because there was a problem with the deposit. I immediately called the number and placed a claim. BOA issued me a credit for {$2500.00} and I was ok with that. Today, XX/XX/2021, I received a notice from BOA stating that there was no extra money on the ATM machine that day and therefore they are reversing the credit. I called BOA and was told they would review the ATM video and that I should call them back in two days. Other customers were having issues that day with both of the ATM at the XXXX BOA XXXX XXXX Branch. I myself had to switch back and forth from each machines and kept trying to insert the money in because the machines kept returning the bills. My claim number with BOA for this transaction is XXXX. I made that deposit for sure. There is no question about it. There is no way that the machine did not have extra money in it. I make regular monthly cash deposits at BOA. Please direct me on how to get some help resolving this issue. Thank you for your 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 monetary relief
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
same account number XXXX for XXXX is showing 2 different amounts with same account number with 2 different dates that was supposed to be deleted from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
Experian, XXXX, and XXXX are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

XXXX XXXX XXXX OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX  XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS 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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
IC Systems appeared on my credit report from XXXX for {$2400.00}. I called XXXX to get and a break down explaining how I owe them this amount and they refused to provide me any information and instructed me to call IC Systems. I called them and they also could not provide me with a breakdown besides saying it was for equipment. I asked them what equipment was listed and they stated it was two phones. In 2019 I had only one phone with XXXX for two years and a digit line and the phone was paid off. The representatives could not give me any other explanation but stated they will do an investigation and for me to call back in a week. I called back multiple weeks without results or validation of the debt. I filed a dispute with the credit bureaus and they only updated the information and after speaking with an agent they stated nothing was submitted to validate the information but just updated it and instructed me to file a complaint.

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 2021-03-30 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: First Financial Resources, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... FST FINANCIA  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Hi, There were three credit cards opened under my name that I did not open. The three are Baraclay, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

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