vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 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: CA

Complaint narrative:
On XXXX/XXXX/21, I submitted a complete application for the limited waiver Public Service Loan Forgiveness program. By my count, I have 120 qualifying payments under the limited waiver program. On XX/XX/21, I received a letter stating that my loans will be transferred to a different servicer on XX/XX/21. My employment has not been certified. The letter made no assurance that my application for PSLF would be unaffected by this transfer, or that the application would be communicated to the new servicer. 

Given that Fedloan servicing is the SOLE servicer of the PSLF program, this transfer is gravely concerning. It appears likely to either re-set the processing of my application with a servicer ill-prepared to certify my employment or process it, or to significantly delay the timely processing of my PSLF application. The letter made no assurance that the new servicer would even be capable of processing my PSLF application. 

Given that Fedloan servicing has extended its contract to XXXX XXXX, there is no longer a pressing need to transfer my loan and doing so would harm the forgiveness I am entitled to under the program. I have contacted the Department of Education with a complaint to this effect and will continue to follow up with them also. I have emailed Fedloan Services customer service, but am unlikely to get a timely response due to the Holiday. I had to retype the letter several times, as I was logged out of their system without notice, only to find my draft deleted when I logged back in. There were no service representatives available due to the Holiday, so email was the only option. It seems these notices were timed just as XXXX started, so that customers would not notice the transfer letter, and have only limited time to complain before the transfers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 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: LEXISNEXIS
State: GA

Complaint narrative:
I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX  license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to XXXX my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: GA

Complaint narrative:
I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and Equifax will not update my information. Even according to XXXX my information is e erywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA informed me via postal mail that effective XX/XX/2021 all accounts within their bank would be in a credit-only status with no withdrawals or ACH Debits allowed despite multiple utility bills requiring to be paid, most if not all are past due, which I've become responsible for the financial hardship and unnecessarily restricting me from my XXXX XXXX XXXX XXXX XXXX Retired Veteran from XX/XX/2021 until this day, because I still have not been able to deposit, cash or successfully have access to my entitled funds due to now XXXX XXXX XXXX XXXX XXXX verify funds for the lines of accounting utilized whenever USAA mailed me out XXXX corporate checks - XXXX of them larger than normal at about {$12000.00} and the other approximately {$3700.00}. Their rationale was they required to ensure any deposits did not come back returned, which had never occurred on any account throughout my decade tenure with USAA. This type of cruel and unusual punishment exhibited has not only affected my surrounding support network, moral relatives, but it has achieved the capability to affect my XXXX XXXX XXXX XXXX XXXX due to an XXXX XXXXr I suffer from. Some type of major oversight or scrutinized policies for retraining and teaching the most appropriate methods to avert such havoc like which I'm still currently enduring, along with my in-town relatives - both medically and financially. This can not be another fluke in the system that another servicemember or veteran. or retiree or dependent should have to endure due to mere oversight and not actually addressing the most precedent or effective method in maintaining the continuity of business flow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Starting on XX/XX/XXXX XXXX purchase Gyen which is a type of Crypto currency on coinbase plat form invested several amounts totaling XXXX dollars, on XX/XX/XXXX I had a total of XXXX coins of XXXX Coinbase seized trading for that crypto meaning no one can buy sell withdraw or deposit which is not far since other exchanges where trading it. At the time when I bought it it was XXXX now its XXXX I lost more then half what i invested because I wasn't able to trade it. Now I don't have it at all Coinbase completely deleted that coin and amount from my account. they left my account with XXXX cents I have all screen shots and confirmations when I purchased it and up to XX/XX/XXXX what balance I had till coinbase removed it from my account. I have contacted them by email and phone with no help or ways to solve this. This seems to me from reading other social media sites like XXXX, XXXX and XXXX that it has happened to several XXXX XXXX people. Please help me recover what I lost and please investigate the fraudulent activity coinbase is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: GA

Complaint narrative:
I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my Georgia license for a Indiana ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to Experian my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not 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 non-monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Hello, My name is XXXX XXXX, I am who I say I am and no third party is involved in submitting this complaint. On XX/XX/XXXX I entered into a consumer credit transaction with Apple Card. Goldman Sachs Bank USA XXXX Apple Card as a means to use my right to extend credit for personal and household purposes. To my knowledge, I understand that Credit is a right pursuant to 15USCXXXX  ( f ) and I exercised this right in good faith when I completed the credit application. The denial letter I received from Apple Card. Goldman Sachs Bank USA XXXX Apple Card constitutes discrimination under 15 usc XXXX ( a ) ( XXXX ) and Apple Card. Goldman Sachs Bank USA XXXX Apple Card also willfully and knowingly provided me false, deceptive and inaccurate information when they responded to me with adverse action in an extension of my own credit as a consumer. By willfully and knowingly failing to comply Apple Card. Goldman Sachs Bank USA XXXX Apple Card can now be held criminally liable pursuant to 15USCXXXX and can be fined up to {$5000.00} or imprisoned not more than one year or both. In any consumer credit transaction in which I extend my own credit I am backed by the Full Faith and Credit of the US Government. 

15 U.S. Code XXXX- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
There was fraudulent transactions in my account and the XXXX XXXX did not resolve. I was cooperative in the investigation. I have contacted the XXXX XXXX XXXX XXXX ( XXXX ) and was told to create another report because this is not their jurisdiction.

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 2021-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
on XXXX I received a message that XXXX XXXX was found in my favor and discover would apply the credits. no such thing occurred. in fact after filing a complaint with XXXX on or about XXXX in regards to their seller for keeping my money and the item after it was returned successfully. they opened an a-z claim on XXXX and refunded me. i did receive the credit in my discover account however it has since disappeared from my accounts history shortly after receiving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Hello, I have a mortgage with US BANK. 

I exhausted my covid mortgage forbearance on XX/XX/2021. 

I started contacting the mortgage company in the middle of XXXX around the XXXX of 2021 to see what covid exit forbearance programs I qualified for. 

I was informed I qualified for XXXX types of exit programs they offered. I selected the " Partial claim with XXXX XXXX '' program as this option best suited my situation. I accepted the terms and conditions via telephone with customer service and was told they would send me the loan modification application packet with the agreed upon terms and conditions for me to accept, notarize and mail back. 

Since then I have followed up with them every 2 weeks to confirm status of my application. Every time I call back they seem to not have a clue as to what I am referring to. They continue to close my application WITH NO NOTICE OR REASON GIVEN TO ME VIA MAIL, PHONE OR EMAIL. 

Every time I call back they are not able to give me a reason or explanation. So they have me reapply and go through the same process each time. 

This has happened to me 4 times already as of XX/XX/2021. 

The mortgage company is US BANK. 
The number I call for mortgage customer service is ( XXXX XXXX XXXX ) The most recent phone call was on XX/XX/XXXX. I called ( XXXX XXXX XXXX XXXX ) which is suppose to be a direct mortgage relationship phone number. 

I have been very stressed and am sincerely doing everything right to ensure I do not lose my home my resuming payment. There careless actions suggest this negligence is being done purposely. 

Today XX/XX/XXXX I received a letter of default mentioning next step is foreclosure. = (

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 2021-11-25 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Company reported account on my record more than XXXX times. Also account was removed due to fraud XX/XX/2021. Company ( Navy Federal Credit Union ) stated I made a payment which I never did & re entered account in my credit on XX/XX/2021. Contact them to ask questions in pertain to them reporting same account more than once in my credit. They stated that Told me that my Checking acct was closed and that I needed to make a {$10.00} payment to close It out and open another one. This is the way they are getting ppl. Regardless of the info provided to me by them, I still didn't make the payment due to it sounding off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX account with paypal that where locked on XXXX. I was able to take my money out of the one that is XXXX but now Im unable to close the account. I want it to be closed but they say its limited. 
XXXX is the one that has money it it and it is still being blocked. And limited way after the 180 days have been up. They are blocking every attempt I make to withdraw my funds and close my account. I want nothing to do with paypal and for some reason I can not do anything not even log into my account anymore. Why are they forcing me to keep accounts open and refusing to close them. And why am I still not able to receive my funds i just want my accounts CLOSED not permanently limited I need them CLOSED and my money withdrawn. They block all my purchase attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Reported wrong amount to credit bearu after I started making payments and after telling me that if I started making payments its wouldnt be reported also reported wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation