vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: PA

Complaint narrative:
My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, Equifax or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( Experian, XXXX or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information Solutions Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me 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 2022-03-10 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: PA

Complaint narrative:
This is regarding My Fed Loan and my attempt to participate in the PSLF program and the failure of My Fed Loan 's Customer Service. 

I have been making payments on federal Stafford loans since before XX/XX/XXXX while in qualifying public interest employment. When the rules allowing those payments to be credited towards loan forgiveness changed temporarily in XX/XX/XXXX, I consolidated the loans to My Fed Loan and applied for PSLF in XX/XX/XXXX. I received confirmation that my application was received. 

I am now being told my recent payments ( not the ones prior to applying ) don't count because of my repayment plan. NOBODY said I had to have a certain type of repayment plan within My Fed Loan. Now it sounds like those payments won't count towards qualifying payments. 

Moreover, I have heard nothing about crediting my past payments which, if they were credited, should result in full forgiveness. 

Finally, I attempted to contact PSLF about this on XX/XX/XXXX at approximately XXXX XXXX. I went through the prompts to be able to speak with an agent and selected the prompt to speak about PSLF. After 38 minutes a woman named XXXX answered and when I said I was calling about PSLF she said she would transfer me to someone in " public service '' despite the fact that she should have been able to answer my question if she was in the phone tree for PSLF. She transferred me and the recording said I had to wait more than 20 minutes. All in all, I was on hold for an hour and twenty minutes and had to hang up so I never was able to speak to someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed XXXX XXXX as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently

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 2022-03-10 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.
State: NV

Complaint narrative:
On thursday XX/XX/2021 I received a chase fraud alert text message stating that chase had declined a charge for {$74.00} for XXXX and asking if I had made the charge. The text stated I would not be charged unless I authorized the charge of {$74.00} again. I replied exactly XXXX minute later stating I did not make the charge. I received a second text message that my credit card would be closed out immediately, a new one would be sent to me and instructing me to review the charges on my card, which I did, and I called in to report the fraudulent charges, which included a charge for {$74.00} which somehow made it on my statement despite the fact that chase said it declined the charge and I advised chase immediately by text that I did not authorize or make the charge. I have since called in approximately XXXX more times because the charge has not come off, and it has been more than XXXX months since I initially texted with their fraud team and more than XXXX months since I called in to officially report it as fraud. I am getting charged interest and fees on the charge, even though I pay the rest of my bill off each month. Every time I call in I get a new story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I am writing this to complaint about Capital One They are showing as delinquent on my credit report. I received a letter from them in XX/XX/2020 stating that they were going to remove the account from my report but they never did. I am in hard financial hardship now and my credit score is very low and I can not rent an apartment just because of that. The thing is that I was victim of fraud, someone in XXXXXXXX XXXX XXXX have been using my credit card and I have never been in XXXXXXXX XXXX  XXXX so I reported that to Capital One and they did not believe me so at the end I still go ahead and pay the charges in the card even after I paid they still reporting my card as delinquent and till this day the account is still showing as delinquent. I have contactef them numerous time and they always say that they're going to remove it but it is still showing till this day. 
I have also disputed it with the credit bureaus please find attached a copy of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I received a notice from Credit Management XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX FILE # XXXX Date : XXXX  The notice stated that I owe {$47.00} to XXXX XXXX for a government phone which I get for free. The phone number is XXXX Since this phone has been free to me for at least the past XXXX  years, I don't understand why I owe any money. 

Furthermore, I have never been billed by XXXX XXXX for any service for this phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Transaction Date XX/XX/XXXX Amount {$99.00} Transaction ID XXXX Purchased Item using PayPal credit Website I purchase item is XXXX ( Website no longer exist ) will attach screen shots of website of the item i purchase.. then after purchase was made this other seller info came up on the email after i made the purchase. This website claims that this item was made in the USA but doesn't make sense if the item is coming out of XXXX based on the bellow seller. This sounds like a scam since the website is not long available. 
Submitted dispute on XX/XX/XXXX. Dispute was closed when merchant actually responded to PayPal and said item was shipped. PayPal took their word for it and re billed me but I still do not have the item. 

Seller info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date reported : XX/XX/XXXX Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$99.00} USD

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hi, I first noticed my XXXX platform was blank and not populated with the dozens of businesses I have on auto debit, mortgages, utilities, credit cards, insurances etc on XX/XX/28, shortly after the official merger between Suntrust and BTT ( now Truist ). I had been a Suntrust member for decades. I reached out to my XXXX on several calls, emails and in person to no avail. I reached out to tech support on XXXX, XXXX days after informing my branch XXXX of the blank platform and was told they were aware of the problem and were doing their best to resolve, but with no timeline to repair answered. 
I can not see which payments are being sent, I can not stop or change the payment amounts ( utilities for example change every month ) and my XXXX mortgages have new escrow calcs due XXXX which I can not address or pay. I know this is a widespread and known problem within Truist, but feel insufficient resources have been XXXX to resolve this critical flaw. I don't even know which accounts I have on auto debit at this point, adding to the frustration. 
The merged entities had over XXXX months to ensure a smooth transition and have failed miserably. I do not have access to my funds as a result, something I feel I deserve as a banking customer. 

See press release here : The transition to the full Truist experience will occur as systems are integrated over the next XXXX years. There will be no merger-related changes to account numbers or routing numbers for checking, savings and money market accounts for the vast majority of clients.

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 2022-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have been in contact with Ally trying to get an explanation to my pay off balance of {$16.00}, XXXX as of XX/XX/XXXX. I purchased the car XX/XX/XXXX at {$17000.00} with 18.59 %. I had paid almost {$12000.00} and they applied 99 % of my hard earned money to the finance charges and 1 % to the principal. How is this possible and legal for a bank to do this. I have never had a car loan from a bank that does this and I've had several car loans. Please note that the pandemic caused shutdown for months and I was out of work from 2 of my jobs and I still was able to make payments even if it was the full amount.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Response information contained in now closed complaint case # XXXX is incorrect and misleading as to what actually occurred. As identified in the Citi response, the e-mail address is different, thus NEVER received ANY notification until letter mailed weeks later. I have never had an alternative e-mail address and confirmed that in last 20 years, have never received correspondence, with the exception of complaint response, from Citi. Citi also notes that an additional payment was made on XX/XX/XXXX. A consumer can NOT be held responsible for the programed inability of banking software system to void ( or even flag ) the incorrect transaction immediately after submitting and immediately contacting customer service. The 3 banks accounts were NOT deleted online, but instead the single default account by a Citi customer service representative. The payment was NOT late and processed prior to XX/XX/XXXX account closure date. Again, the inability of Citi software system can NOT be the responsibility of the consumer. Suggest formal investigation be opened into Citi 's predatory practices experienced in this 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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Peritus Portfolio Services II, LLC
State: FL

Complaint narrative:
I am currently in XXXX XXXX Bankruptcy. I do not have any documents from the third party collection agency Peritus Services. I have made several settlement offers via phone. They have aggressively told me they don't want any settlement, they want the auto. I have repeatedly ask for documentation of the alleged debt amounts. I was told aggressively again they don't have to give me any documentation. I have a right to request this information. The disputed debt from Peritus for verification of what the debt amount. I also have the right to verify that they have not put or placed inflated interest fees for their own personal gain. Instead they are being forceful with me in every attempt I make to settle this debt matter. Unknown to me They filed court papers in a attempt to have my XXXX XXXX  Dismissed. The Judge denied their court request. I again attempted to resolve this matter by offering to have a written settlement agreement offer. of {$600.00} amount for 12 months paid in full on the 12th payment of {$600.00}. I want an agreement with Peritus Services. They don't want anything in writing they want a verbal agreement. I want to make sure they don't not try to add additional fees or monies. I want my title clear and free. As a consumer I need to protect my interest in this disputed debt matter. How can I protect my interest, Credit reporting etc. I want a fair and comprehensive agreement, Acceptance of the Settlement debt shall immediately discharge all disputed debt of the Debtor. 

If they do not want monthly agreement. We can settle the disputed debt with {$5000.00} paid in full and the auto title clear and free. Credit reporting paid in full and debt shall immediately discharge all disputed debt of the Debtor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation