vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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: NC

Complaint narrative:
I am a victim of identity theft as preciously notified

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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
Your company reported a debt opened in XXXX, XXXX. If I am not mistaken, this debt is from about 6 years ago. You keep " reselling '' this debt from one company to another and restarting the " opened date '' to stay on my credit report longer. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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:
as previously notified I am a victim of identity theft

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 2020-03-20 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: NC

Complaint narrative:
Equifax said that they verified a fraudulent account as belonging to me. Equifax was notified that I am a victim of identity theft. I would like to how and what date that a fraudulent account that I had nothing to do with was verified as belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
RE ; Merrill XXXX No. XXXX Merrill Lynch Has been blocking online accounts when the stocks tank and leave no way for client to protect there money. They make sure that every peony is lost while market goes down. When market falls and money is beyond margin, no new positions can be opened. However Merrill has a trick to make your remaining money disappear. I was bullied and blackmailed by XXXX XXXX by telling me that I am required to put {$100000.00} while I just paid {$120000.00}. When I showed him Merrill web page there was surplus of money while he was making his own numbers. He said the He does not trust web and don't know why it is like this. When company employees do not trust Merrill web site than who should. There could be a scam. It needs a federal Investigation, you will discover a lot and save USA citizens. I still want the financial reparation of XXXX XXXX  for loss of money, loss of time nd XXXX  I developed. Documents attached.

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 2020-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
I am a borrower of two {$5000.00} loans back in XXXX and XXXX. I was young, naive, and desperate to go to college to better myself but, my family nor myself had the financial means. Following the guidance of the college financial aid office, I was awarded two ALPLN Loans through FASFA. I have been paying faithfully on both loans since XXXX. 12 years later, I have paid {$15000.00} of a combined total of {$10000.00} borrowed. As of today, I still owe American Education Services {$9400.00}. Referncing the payoff balance as of today, I will pay a total of {$24000.00} on a combined total of a {$10000.00} loan. Due to these loans interest rate continuously increasing and the daily occurrence of interest, I forsee it being more. My confusion comes with being mislead by the company and school that this was a loan to help those in need as well as, I would qualify for loan forgiveness through specialized education programs. Neither loans have qualified for any programs even though, I have worked as a XXXX in XXXX XXXX XXXX  and XXXX XXXX. I have also tried to apply for a secondary loan with better interest however, after reviewing the status of the loan they advised me seek further clarification on why I am over paying on such a small amount borrowed. I have spoken with the company with limited guidance. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX fraudulent charges on our Bank of America Master Card XX/XX/2020 -- Bank of America 's lack of " fraud spotting software '' 1. On XX/XX/20, via email alerts I was notified that two very expensive charges had been made at the two XXXX, in Kentucky. I had not ordered anything from XXXX, and I had not authorized anyone to charge anything at XXXX on my behalf. There are two MCs in this house, and only my husband and I use them. Neither one of us had lent our card to anyone else.

2. On XX/XX/20, even though the Charges were still in pending status, at XXXX XXXX, I called BOA any way, and alerted them I did not charge anything at XXXX. Those charges are fraudulent. I looked up the store numbers. These were charged at XXXX store XXXX, and XXXX XXXX. Amounts were : {$460.00} and {$390.00}. A total of {$860.00} had been charged to my account, in Kentucky, and BOAs fraud software never caught it. 

3. On XX/XX/20, I went into online BOA account, and noticed charges had gone from pending status, to firm status, and had not been marked as fraudulent or in dispute. 

4. On XX/XX/20, at XXXX XXXX, I called BOA to once again report fraud on those two items -- since my online account did not indicate any Fraud Dispute in action.. Spoke to XXXX from Texas and again explained that neither charge was mine. 

5. XXXX put Dispute status on my account, for both charges, and said a new card was being mailed. 

6. On XX/XX/20, I went into my online BOA MC account, and both charges had been market as Fraud Dispute. 

This issue involves Bank of Americas LACK of fraud spotting software. I dont live in Kentucky, I dont do business in Kentucky, and BOAs software should have picked up those two charges, as fraud, right away. 

This issue also involved XXXX, and their apparent lack of fraud spotting software allowing such charges to be made to my Master Card Account. 

I want full credit, for these charges, as I did not make them, nor did I authorize anyone else to make them. I want these charges off 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 monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MG Credit XXXX XXXX XXXX XXXX XXXX Fl RE : Account Forever vets XXXX XXXX XXXX To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX Fl RE :  Account XXXX XXXX aka working for XXXX university To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX  ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, XXXX 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 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank refunded my last payment in the amount of {$500.00} last Friday. It has been 7 days and I have not had the refund post to my bank account. I was told it would take 3-5 business days. It is clear that Citi is holding my money out of retaliation for no reason.

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 2020-03-20 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: WI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Please refer to previous complaint where Loan Care is stating that they are not responsible for this complaint ( XXXX ) dated XX/XX/XXXX. However, I received there response on XX/XX/XXXX that they did acknowledge my complaint. The response is being sent to the sold property. I also want to address my concern once again on question # 3 of their response. HOW CAN SOMEONE PUT MONEY IN AN ESCROW ACCOUNT WITHOUT MY KNOWLEDGE AND BUY THE HOUSE 2 DAYS LATER? Also, who was the letter addressed to regarding authorizing someone to perform an activity on my account ; dated XXXX XXXX ; after the house was supposed to be sold. It is considered MORTGAGE FRAUD.when a third party put money in an account while the owner is still in the house and before the sale, so I want my complaint addressed correctly to explained how can a house be foreclosed without talking with the lender after a transfer ; even though it was a continued trustee sale. This sale was on behalf of XXXX sated XXXX not Loan Care, so Loan Care or XXXX XXXXl should not have accepted money for this account until they had allowed the owner to correct the account, participate in the sale or do a short sale at least. Also, is XXXX XXXX really a company because they are not responding on their letter head but they have the sole rights to the loan? My complaint has been sent to other agencies but Loan Care is contradicting themselves by saying that they are not responsible when in fact they are responding to my complaint. Please assist in resolving my concern while my letters are still being sent to a SOLD PROPERTY address. If I am not in your system, then stop sending me form letters and address me as a former owner.

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 2020-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
In general a debit card was opened in my name without my permission. I guess it was done because I didnt opt out of it. Not only was this unwanted but it also dropped my credit score. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: SC

Complaint narrative:
This company is being unfair to me for the prolonged infractions of my consumer rights per the Fair Credit Reporting Act and the Federal Trade Commission. I have been in communication with them for a number of months now, mapping out unrecognized account in my credit report and giving all the details needed for this company to investigate and delete this account. 
But to my surprise, they keep on reporting it and don't at all respond to my request. 
Please assist me to make this company carry out a real investigation this time around and finally removed this untitled account right away. 
Below is the account in question : 1. Untitled, Account # XXXX, Date Opened, XX/XX/2015 I dont know what this is, would you please delete this unrecognized account from my report right now! 

I am attaching the letter i sent to them earlier as evidence of my correspondence with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On my credit report it shows that I am 60 days past due. 

It states XXXX, XXXX and XXXX as received payments over 30 days lates. 

I have made payments on the following dates. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX The incorrect amount is being shown on my credit report. 

Payments submitted the following

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 2020-03-20 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2020 I became aware that Shellpoint Mortgage was reporting to all major credit reporting bureaus that I held a real estate loan with their organization. I have never heard of this company and immediately contacted them and they concurred that they have no record of my ever having an account. They indicated that they would contact me within 10 days with at least an update on why they were reporting this incorrect information. They have failed to follow up and the information remains on my credit report. Each call with them results in the same waste of time and non-answers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have disputed the balance on a Synchrony bank/paypal account several times. Only to find out that the fraud department only has record of two. So this means the customer service department is not following through with consumer fraud complaints. I disputed the balance on several occasions. Only to have one of the disputes that finally was addressed to be denied because the  account received payments in the past. I was advised to continue paying the account while the account was being investigated by paypal. I have since stopped because the issue was never resolved. Now instead of fixing the issue, Synchronybank has taken up the account and has ruined my credit score. They are constantly reporting the account closed and then open. They  have closed my XXXX account ( also owned by Synchrony ) even though the card was never late and paid off. They are changing the past due from 90 days to 30 days. Then back to 60 days past due. This reporting has caused my score to drop over 70 points. The account was disputed 3 times in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I call customer service, I am told not to pay on the account as it is under investigation but while it's under investigation Synchrony is still  reporting negative remarks on 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 monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In the document provided, there is a checking account from Bank of America where it was closed due to a scam upon myself. I was investigated by the bank itself and found of no wrongdoing. How do I get this off my 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 2020-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MD

Complaint narrative:
I was previously told by FedLoan Servicing that I would receive information about an updated income-driven repayment plan that I filed on XX/XX/XXXX on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the email FedLoan told me I would receive on XX/XX/XXXX or prior. When I call FedLoan Servicing on XX/XX/XXXX, I am now told that my plan is not ready by the automated machine ( the system would not let me talk to a live representative as far as I could tell, because all calls regarding income-driven repayments are directed to an automated system ). I am hoping for an updated payment amount as I believe that this would reduce my payments and given that I used the IRS retrieval tool for my income, I fail to see how something that should most likely be an automated process can be delayed. As I am working towards PSLF, I do NOT want to be put in administrative forbearance while this is figured out because I want all months of employment to count for PSLF. As such, I would like to continue to remain in repayment while this is figured out, but wish for it to be figured out as soon as possible.

Company response to consumer: Closed with non-monetary relief