vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 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 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
This Bank is beyond intolerable. Their practices are unethical and lacking in empathy or competence. Their back office department that handles underwriting or the approval of loan modification/ subordination agreements is the most disorganized and difficult areas I have encountered thus far! I was approved for and successfully completed a COVID assistance program that ended after one year. I received paperwork to have notarized by myself and my incarcerated husband and we both signed subordination paperwork NUMEROUS times, but are continuously met with issues. I have been more than patient with this banks pathetic communication system between front end and back end. I do not want my credit affected by their lack of processing this paperwork given to them by myself and my husband on MULTIPLE OCCASIONS!! I am already paying the new agreed upon adjust monthly payment amount and STILL havent received confirmation my account has been registered correctly with them. I want this issue fixed ASAP!! No one has even attempted to contact me after numerous requests for a manager to do so. This bank is absolutely the worst bank I have ever dealt with and I hope I never have to finance with them 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 2021-08-06 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: VA

Complaint narrative:
These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my account.

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 2021-08-06 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: JPMORGAN CHASE & CO.

Complaint narrative:
This incident began on XX/XX/2021. We received a phone call asking about a fraudulent charge on our credit card. We replied that it wasn't our purchase and they connected us with 'fraud '. Well, we were scammed! I explained when I called Chase that we were scammed out of our passwords as well as asked to give the 3 digit number on the back of our card. We were told by the scammers they needed these in order to make sure they were cancelling the right credit card because we have two accounts. Later they told us they would send us our new cards. Soon after I checked our credit card to make sure it had been cancelled and the fraudulent charge gone and saw that a charge to a travel company for {$3700.00} had been charged to the card. I immediately called Chase and told them about the scam. This is still on XX/XX/XXXX. They connected us to fraud who said they were making a note of it and would cancel our card and send us new ones. Since XX/XX/XXXX I have spoken with at least 12 people at Chase, our account number has been changed twice and we have received two letters stating that the charge was legitimate and we were responsible for the amount. I spoke with fraud last week who assured me we would receive a call from them about the charge. The charge is still on our card. We are told that we don't have to pay the charge but we will pay interest on it if we don't pay that part of our bill. We have been with them for 18 years and during that time have paid the full amount due almost every time on time. We've never run into this problem in all these years but that doesn't seem to interest Chase. We are old and were scammed but we don't have $ XXXX lying around for someone to have fun on. We were advised by Chase early on not to contact the company that the charge was made to as they would be contacting them. I have even emailed Chase on their secure email and received replies but with no result. Yesterday, XX/XX/XXXX, XXXX we received a call from Chase that we are responsible for the charge. When you make a call to their number you receive a recording that the call will be recorded for voice verification and security. Chase told us that didn't matter. The party who charged our card had our passwords and we could've given them permission to use them. 

I called right away and explained to Chase right after it happened. When speaking to these different employees they didn't see notes on our account about what had happened. Apparently it wasn't important. Also we were informed that Chase will also be contacting the credit companies if we don't pay the amount. 

I'm just sick that we fell for the scam after being with Chase for 18 years with a good payment record. Chase doesn't believe us and we are responsible for the amount..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Check Recovery Bureau, Inc.
State: NC

Complaint narrative:
I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 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 2021-08-06 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I became aware of a negative mark on my credit from AFNI thanks to XXXX XXXX alerts XXXX. I have never received and email or paper mail explaining I have ANY kind of debt not paid to any creditor to my knowledge. Most of my bills utilize auto pay. 
I have no idea what, how much, or who AFNI is representing. 

Thanks to a XXXX search It was brought to my attention I can submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air 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. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I went to college in the XXXX. I consolidated my student loans into Federal Direct Loans XX/XX/XXXX, XXXX. I have consistently been on income driven repayment plans for the last twenty years. On XX/XX/XXXX I should qualify for forgiveness of the balance under the 20 years of repayments. I have been reaching out to Fed Loan Servicing for months and been given the run around. Most of their customer service representatives state that they are not aware of this program, only PSLF, of which I am not at ten years yet.

StudentAid.gov clearly states that : Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years. under income driven repayment plans. 

On XX/XX/XXXX, I received the following email after yet another inquiry on how to apply for forgiveness : Thank you for contacting FedLoan Servicing! 


We are showing that you chanced Income Driven Repayment ( IDR ) plans from the Income Contingent Repayment ( ICR ) plan to the Revised Pay As You Earn ( REPAYE ) repayment plan XX/XX/2017. By changing your IDR plan you started the IDR forgiveness time frame over. With the IDR forgiveness your loans would be forgiven and may be taxable. 

Sincerely, XXXX FedLoan Servicing This is absolutely not okay. FedLoanServicer changed my plan in XXXX  - when I only had four years left to go and now they are telling me that this means the clock started over and I now have an additional 16 years on top of the 20 I have already paid. 

Both plans are IDR plans ( what I was under before, and currently ). Nowhere does it say that switching between income driven repayment plans will mean you start another twenty years.

I have completed all the requirements asked of me to have the remaining balance forgiven, but FedLoanServicer is not allowing me to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my account.

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 2021-08-06 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: VA

Complaint narrative:
These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have 2 medical bills being reported by this collection agency to XXXX. When I attempted to pay the balances on these accounts last year, I was told by the agency that they no longer held the accounts and could not accept payment. I contacted the medical provider directly and they advised the balance was paid with a credit and nothing was owed. The collection agency continues to report the accounts to XXXX  as paid ( they were removed from XXXX and XXXX ) despite the fact that these accounts no longer existed with them and they did not accept payment. They're also reporting themselves as the client and not the medical provider. I spoke with supervisor XXXX at the collection agency who advised they would remove the accounts from my report with XXXX but they have failed to do so despite repeated phone calls.

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 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/2021 Reference ID # : XXXX Dear CFPB, Portfolio Recovery Associates stated that PRA ceased all communication efforts in there reply to my compliant on XX/XX/2021, with the CFPB. However, that is untrue. PRA is in violation of FDCPA 15 USC 1692a ( 2 ) reporting on a consumer report without consent is indirect contact. As of XX/XX/2021, PRA continues to use indirect communications by reporting to the following consumer reporting agencies : XXXX, and XXXX. Therefore, PRA has not honored my request see Exhibit 1. I demand that PRA delete these entries from the consumer reporting agency and squash any future communications.

PRA also stated in their response to my compliant on the CFPB on XX/XX/2021, that PRA is a " Debt Buyer '' ; PRA purchases delinquent consumer debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. Therefore, XXXX XXXX  has already been credited for this alleged debit ( see exhibit 2 ) PRA response. I did not give PRA or XXXX XXXX  direct or indirect consent to share or sale information that contains private information such as name, address, social security account number without my direct consent which is called Identity Theft according to the Fair Credit Reporting Act. I did not give XXXX XXXX consent to have PRA contact me or serve me this is a violation of 15 USC 1692c ( a ). There is no contract between PRA and XXXX XXXX that gives PRA permission to collect an alleged debt from CONSUMER XXXX. PRA produced old statements from XXXX XXXX  these statements are not a contract between Consumer XXXX and PRA but is proof of identity theft Exhibit 3 submitted to the CFPB on XX/XX/2021, from PRA. I am seeking the following remedy : *Deletion from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX ) Sincerely, Consumer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EDvantage LLC
State: IL

Complaint narrative:
This relates to this already filed complaint # XXXX, Company has reach out to me with the attached email. However it must be established that I never took any students loan from them nor did I owe XXXX XXXX any fees, but they ( Tuition Options ) connived with XXXX XXXX and made me pay so far an amount to the tune of $ XXXX.This is what I need back with its accrued interest. I need all the payments I made to them back with interest. I am not sure what they want me to sign on the attached email. 

Please help me get my monies back. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened a store card through Synchrony Bank in late XXXX of 2019. The application said that my first payment was not due until XXXX of 2019. I attempted to make a payment but it would not allow me to. I called customer service after the first month and was told they have no record of my account. I continued to call and try to make payments but could not. I was then marked with a late payment in XXXX of 2019. It was only then that I was able to call and have them pull up my account. They would not cooperate with me or remove the late payment. 

I escalated the issue to upper management and was told that the late payment would be removed. It has been almost 2 years. I try to call but I get hung up on or can't connect at all.

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 2021-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeKey Lending, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX and XXXX of XXXX I spoke with XXXX XXXXXXXX about applying for a VA Mortgage Loan. The person also added another co-worker to the call. The merged caller was said that she is great with VA Loans. They ran my credit information and contacted me later in the day. I then explained to them about our selling of the home in XXXX, moving to XXXX and paying off all the revolving debt. I was told that my score was too low, but to wait 30-45 days for the credit history to reflect. The housing situation during this pandemic is not the best at letting you wait for anything. So, I then asked about doing a Rapid Rescore for the accounts that were not reflecting the recent payments. I was told that they would investigate it. The company called back the next day with an amount of $ XXXX that they wanted to charge me to run a rapid rescore. I never sent them the information to prove to the credit agencies of the payments, nor did they ask for said information. I was told it cost {$290.00} per account per credit agency. I told them that I was not going to pay for that. I then told them that they were not supposed to charge me for that either. I sent XXXX a text about sending me the disclosure on the rapid rescore so I could go over the charges. I never received a disclosure but was called the next day by an associate of the company claiming to merge the call with the owner of HomeKey Mortgage. The call looked important so I answered, even though I was in the restroom. I asked them to call back in 10 minutes to let me get out of the restroom. I was told that they probably would not be available. I did not receive a call back. I called back 11 minutes later, but was transferred to voicemail. I called back 12 minutes later again, but was transferred to voicemail again. I then left a message, with no one calling back. I have not heard back from anyone with the company since then. The realty company has not put us in contact with another lender.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent a Cease and Desist letter to Portfolio Recovery Associates @ XXXX XXXX XXXX. XXXX, Va XXXX that was received by them XX/XX/2020, according to USPS tracking information, however they keep calling my home even though the debt they are trying to harass me to pay is more than twenty five years old. 
They are calling on average 3-4 times a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. 

Please delete this account. 

Best Regards, 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 2021-08-06 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: FL

Complaint narrative:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. 

Please delete this account. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation