vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: SC

Complaint narrative:
I submitted my application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness. I completely qualified for the loan based on the bylaws which I have included in this complaint. I qualify because I have made XXXX on time payments to XXXX and XXXX Fed Loan servicers both XXXX subsidized and unsubsidized. I have also been a public school teacher since 2005 full time with no gaps in employment. So i followed the rules : I consolidated my Navient and XXXX loans as indicated in the Temporary Expanded Public Service Forgiveness program, sent in the application, sent verification of my employment and didn't hear anything. I then wrote a letter asking for the status of my application. I was then sent a letter stating that I do not qualify because I have only made 2 payments. THis is totally untrue and I have made over XXXX payments and completely qualify according to all of the printed information on the Temporary Expanded Public Service Loan Forgiveness site. I have included copies of all of the documentation that FedLoan Servicing has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I had a chapter XXXX dismissed with Peoples Bank which was a second mortgage on my home used for a business. The first lean holder was XXXX. 

My credit rating keeps going down despite the fact that I have been improving on it. 

I spoke with XXXX XXXX of Peoples Bank about being reported as late payments on XX/XX/XXXX. He informed me that I didn't owe Peoples anything and the matter was closed and there was nothing more he could do. 

He suggested I take it up with the Credit Bureau. 

This has been damaging my credit for five years as I try to overcome the damage I suffered in the XXXX rescission. And has prevented me from obtaining a stable home for my family. Due to this inaccurate reporting, I cant buy a home due to credit and I cant rent a home due to credit. And my lease is up XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over XXXX years an it has not dropped off yet.

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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NM

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX and XXXX ( the Scammers ) DBA : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX {$9600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an email upon waking up on XX/XX/XXXX stating my citibank online password has been changed. I did not do this so I called Citibank immediately. The automated system advised that the balance in my account was {$48.00} which I know was incorrect. Once I got someone on the phone I advised them that I received that email about my password being changed, which I did not do and I wanted to see what was going on. I spoke with XXXX from the fraud department, told her my account was hacked and accessed. She advised me that the people were able to make 3 XXXX transactions in the amounts of {$2000.00}, {$500.00} and {$580.00}. I'm not sure if this was done on XX/XX/XXXX or XX/XX/XXXX. 

This is a major hardship for me and my family. This is all the money we had. I'm not sure how I will pay for food, keep a roof over our heads if we don't get this back as soon as possible. 

I really need your help to get this rectified with Citibank. Thank you for your help. 

Sincerely, A very stressed out Momma.

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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over 7 years an it has not dropped off yet.

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over 7 years an it has not dropped off yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: LA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I received a letter in the mail from Convergent Outsourcing Inc. stating I owed {$1200.00} from XXXX XXXX XXXX XXXX XXXX out of XXXX, TX. This is for a house with the address of XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived in or owned property in Texas. I had also never received a bill from XXXX prior to the debt collection notice. I called the debt collection company who directed me to XXXX. When I called XXXX they wanted my social security number and birthdate to " verify '' the account, which I did not give them. They sent me back to the debt collection company who then filed a fraudulent charge claim with XXXX. I have not yet heard back but did notice that this alleged delinquent payment and collection action is showing up on my XXXX 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 2022-02-16 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Milestone credit card, owned by XXXX XXXX XXXX XXXX, charged me an annual fee which was not disclosed to me. I only used this credit card when trying to rebuild my credit and CLOSED the account in XXXX. Obviously they never closed the account, charged me the annual fee then reported a 30 day late payment on my credit report which dropped my credit score by XXXX points! 

To try to work this out I even wen to their website and make the payment and it is not even operational! You can not charge someone illegally, not even give them an option to pay THEN report them deliquent on their credit report! 

This is unacceptable and ILLEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a checking account for myself and then another account for my XXXX old daughter that JP Morgan Chase allows . I attempted to transfer money ( approximately {$5000.00} ) to her account from my current bank Commerce. Chase immediately locked me out from seeing all of my accounts including my credit card. I've called multiple times, spent hours on hold and have been hung up on when placed on hold. 

I called and requested a call back on Wednesday XXXX at XXXX. I missed their callback because it showed up as spam risk on my phone. I called them back at XXXX and again left a call back number. I called my chase credit card number and they said they couldn't help me, but that my credit card account information looked fine. They sent me over to " fraud '' and said it would be a 3-5 minute wait. When they put me on hold, the automation said it would be 40 minutes. I waited for 50 minutes and then hung up. I called again requesting a call back. The automation said it was a 5 hour wait. They called me back, put me on hold for 11 minutes and then hung up on me. 
Today XX/XX/16 I called and they put me on hold for 16 minutes. I got through to someone that stayed on the line with me. I told them I wanted to close my accounts including checking and credit because I no longer wanted to deal with this " customer service. '' They tried verifying that I was the one making the activity on the checking account, which included the {$5000.00} I had originally attempted to transfer to my daughter 's account. I told them that was me. They said they needed me to provide the debit card account information as a last step for verification. I told them I obviously didn't have it as it was a new account that was just opened and that I immediately had no access so can't see any account information. She continued to tell me why I needed to provide a debit card and I once again explained that I couldn't provide that since the account was opened a few days prior and that I couldn't see the account information and did not have a debit card. She put me on hold, then CALLED me on another line. I put the hold call on hold and answered the other call. She argued with me that she had only placed me on hold, but didn't call me. I said I had two open lines with her supposedly on it and which one did she want to talk on? She hung up on me. I called again and left my call back number. They called me back and I told them on a recorded line that they are to close all of my accounts and that I'm not doing this anymore and that I would be filing a complaint. He said he would have to put me on hold in order to get me to the escalation department. I told him " no '' and that he could take my name and number and call me back once they've figured it out. They haven't called. I have no access to see my accounts and no ability to close them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TX

Complaint narrative:
I have made multiple disputes with Transunion, XXXX concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and XXXX are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.

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 2022-02-16 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I filed a fraud claim for an XXXX transaction in the amount of {$480.00}. I was provided the provisional credit fromBOA while the claim was being researched. On XX/XX/XXXX XXXX credited my credit card account for the fraud and on XX/XX/XXXX BOA removed their provisional credit. On XX/XX/XXXX, BOA removed the credit again, essentially double charging the account. I contacted the bank on XX/XX/XXXX and was told that the claim would be reopened and the charge would be reversed. On XX/XX/XXXX I was charged again in the amount of {$340.00} and {$130.00}, totaling {$480.00}. I called again this day and they said they would make a note on the open claim. On XX/XX/XXXX I was charged again for {$480.00}. I called Bank of America again and was told that the claim was re-opened on XX/XX/XXXX, When I initially called on XX/XX/XXXX. No one is able to tell me why I keep getting charged nor when my account will be made right. To date Ive been charged {$1400.00}. I would like my account restored immediately as well as corrections made with the credit bureaus as these amounts are being reported as part of my balance.

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 2022-02-16 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: TX

Complaint narrative:
I have made multiple disputes with XXXX, Experian concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and Experian are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
They are trying to charge me the debt of like 6 months or so when if anything i didn't sign a contract with the gym and all they ask is a month after if you cancel it so I don't get how they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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