vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.

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 2021-05-04 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: VA

Complaint narrative:
I have made several payments that have been deemed ineligible towards PSLF by fedloan servicing. Fedloan servicing has reported that there is " No Bill Being Due. '' I completed a privacy act request and got all my loan records from Department of education from XXXX-current. I uploaded these documents which showed that I made the payments and they were processed by the previous loan servicer. Fedloan servicing said that they reviewed the documents on XX/XX/2021 and closed the case without adjusting the count. Additionally some of the dates that say " no bill being due '' were times when my loan was being transferred between servicers or my annual IBR payment was being recalculated. Is the phrase " no bill being due '' a catch all for payments that the servicer can't figure out because of poor record keeping? Additionally, just because a bill was not generated does not mean that those payments don't count. Currently during covid-19, bills are not being generated and the monthly payments are counting as long as we are employed in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Hello, I reviewed A copy of my credit report and it shows Caine Weiner reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MI

Complaint narrative:
XXXX refuses to remove an account that was not mine. I have sent paper work to them, XXXX and Equifax and all but XXXX refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I reviewed A copy of my credit report and it shows XXXX XXXX reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX incorrectly billed my account after I had closed the account and stopped service. I switched services to XXXX XXXX XXXX and XXXX kept charging my account. My service with XXXX ended in 2018. They sent me the bill and I called them and they agreed that there was no bill to be paid. XXXX  cancelled the bill. However, afterwards a debt collector came to collect. After many phone calls back and forth, they finally dropped the claim as it was false. XXXX still maintains that they are not sending anything to any debt collector and that I owe them nothing. 

Recently Credence Resource Management has tried to collect that same debt, which does not exist. This is now 3 years later and I'm still chasing away these fraudulent debt collectors. They have now lowered my credit score by falsely claiming that I have a late payment. 

Plase help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: MI

Complaint narrative:
Experian refuses to remove an account that was not mine. I have sent paper work to them, XXXX and XXXX  and all but Experian refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: SD

Complaint narrative:
Since XX/XX/XXXX I haven't been able to cancel any XXXX orders. This results in those funds being reserved to cover the pending future orders, which will likely never get filled. In the past I had no problem canceling these orders and it's a common process. I attempted to reach the company via their support channel, but no response. 

The message in the little red flag that pops up is : " The provided account is restricted and can not perform this action '' but my account is NOT restricted. I can trade and withdraw without a problem. I am not the only one affected by this issue and it is costing me thousands in missed opportunities. I can't imagine how much money Gemini has locked up in fake account restrictions because I've found this exact situation described by others online but no evidence of any resolution. 

The total funds being held XXXX : {$3200.00}. I imagine other 's are much worse off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TN

Complaint narrative:
Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three XXXX XXXX XXXX Transunion, and XXXX XXXX to  have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and Equifax ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
THIS IS XXXX XXXX. I cerify that i am the natural person XXXX XXXX so i shall be addressed as such. therefore i demand that you recognize me as the authorized representative and only me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY helping me so LET THAT BE CLEAR. I am a victim of Identity Theft & fraud. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. BloXXXX and remove them. if I consented to these inquiries, please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist.

I demand that the following account be verified or removed immediately : 1. FDCPA SECTION 807 Violation Misleading False Reporting I did not authorize this Inquiry XXXX/XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.

2. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

3. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

4. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT MIDLAND CREDIT MANAGEM Status Date : XX/XX/XXXX As a Consumer by law this account must be deleted. 





XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
Unfortunately I have a Amerihome mortgage loan XXXX. 

On XX/XX/XXXX I was granted a home mortgage forbearance under the CARES Act. The initial forbearance was from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX I called to extend the forbearance of my loan which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. That forbearance was scheduled to ended XX/XX/XXXX after 3 months. On XX/XX/XXXX I called to extend the forbearance which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. After speaking with multiple customer service reps they stated that t all the notes were in the request and they are not sure why the system is not picking up on the continuation. I have called the company on numerous occasion spoke with numerous customer service reps who consistently tells me that I am 4 months behind. However they can see the notes what I have requested a forbearance. Anytime I've ask to speak with a supervisor or escalate the situation to resolve I am unable to speak with a supervisor. On XX/XX/XXXX i received a letter and on page two, paragraph 7 the company states " Your loan is currently due for the XX/XX/XXXX installment of {$2000.00}. 

In closing as a federal protection bureau I would look into a Amerihome and the mishandling of the customers who should receive protection and not harassment and being reported to the credit bureau while under CARES forbearance. I receive multiple past due notice and XXXX phone call every week about past due amounts.

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 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
in XXXX of last year I met with the president or who represented himself as the president of wells and fargo in the XXXX Massachusetts branch. XXXX XXXX nmls # XXXX represented himself and an investor by the name of XXXX XXXX. they received notice through mr XXXX XXXX daughter that I was looking to sell a stake in my company that had social equity status with the state. Mr XXXX arranged for me to meet him at his office of wells and fargo and said that he could get me the money I needed for my company through wells and fargo misrepresenting the fact that wells and fargo does not invest in XXXX  due to it not being federally legal. Upon arriving at the meeting I quickly realized that all they wanted was information privy to me from the state of Massachusetts and my cousins ( who is a executive at XXXX ) position on XXXX. I would not oblige. Further I have filed a Police report as my XXXX ID account was hacked and XXXX has confirmed that my Business  Documents were downloaded to his cellphone on account of his daughter.

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 2021-05-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For about a Month and half ago starting in XXXX I would get repeated calls from XXXX at least 4 calls a day, I asked they stop calling me, then a few hours later they would call again, When I call the number back, its says Thank You for calling Paypal, But its not paypal its a collector trying to get my information like my First and Last Name, Address, and Social Security number, I refused, I personally dont have a paypal account in my name, Just my husband but his account is paid in full. Today my son Took the Call and Talked to a Women named XXXX at XXXX, My son told her many times to stop calling, the women said its this matter is taken care they would be calling again, sure enough at XXXX XXXX  they call again, I will be reaching out to a Lawyer because they are harrassing me, and at XXXX and recently was in Hospital I dont need this added stress. I dont owe Paypal anything. Here is the Last 3 days of calls XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX, XXXX I have more from Last Month and the Month before, XXXX finally gave my son a mailing address in XXXX, FL where tomorrow I will be sending a Letter to Demand this to Stop, They are breaking the law by repeating calling and demanding my personal information and trying to take money for something i dont owe. My son told XXXX that he was Planning on calling the XXXX XXXX XXXX in XXXX, FL to start a legal case agaisnt this collection company,

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 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I called Capital One they credited my card for {$5300.00} after telling me to cancel my trip with XXXX. Capital one is not identifying themself and taking responsibility. They say they don't have to. Read the attached response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I transferred {$100.00} to an individual through XXXX XXXX  which is linked to my Bank of America checking account. The recipient also has XXXX XXXX. She refunded the {$100.00} back to my XXXX XXXX account on XX/XX/21 and on XX/XX/21 I selected the option to refund the XXXX XXXX  back to my Bank of America checking account via a transfer. After two weeks I noticed the funds were still not in my BOA checking account, so I reached out to XXXX XXXX to file a claim and was given a case number. XXXX XXXX  said the account number was wrong and so that is why the funds didn't transfer to my BOA account. I did not physically enter the account information for the refund ( I only selected the option to transfer the funds back to my BOA account where the funds came from ) and all other XXXX XXXX transfers before, during, and after that were processed without any problems, using the same method. However, the account number XXXX XXXX  transferred the refund to is not my BOA checking account number or my BOA debit card. I don't know where the other account number that XXXX XXXX  used for the refund came from. It makes me wonder if my account was hacked. In any event, I promptly notified each company. XXXX XXXX was notified immediately and did not do a proper investigation. Now they say too much time has lapsed for them to retrieve my funds. I should not be penalized because they did not conduct a proper investigation into their mystery account number that I did not enter and does not show up on my XXXX XXXX profile. Either XXXX XXXX or BOA owes me a refund. 

I disputed the missing funds with BOA and they sent me a final letter on XX/XX/21 stating the claim was denied and they reversed the provisional credit. BOA said, " PMNT SENT XXXX XXXX  XXXX  - XXXX is a third party who's responsible for transferring the money from your account to the recipient. We recommend you contact the recipient directly for further assistance with your dispute. '' I have been given the runaround by both BOA and XXXX XXXX. One of them has my {$100.00} that I urgently need to pay bills during this pandemic. I am 8 months pregnant and their inability to resolve this is causing me a lot of stress. Please help me get my {$100.00} back.

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 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NJ

Complaint narrative:
XX/XX/2021 company name XXXX XXXX  runs credit XX/XX/2021 company name XXXX XXXX. XXXX. Run credit too same day XX/XX/2021 company name Credco company that run credit to lender I cant believe runs 3 credit reports in one day which created 3 hard inquiries I will need to be remove from my credit report thanks

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 2021-05-04 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: FL

Complaint narrative:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. 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 2021-05-04 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: SC

Complaint narrative:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation