vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NC

Complaint narrative:
I am in the process of applying for loan forgiveness via the PSLF under the TEPSLF program. I have had 41 payments " pending manual review '' for eligibility since at least XX/XX/2021. I have emailed and spoken with a representative from FedLoan who said she was escalating the issue. I am currently awaiting the manual review in order to apply for forgiveness. 

I appreciate any assistance in expediting this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance : {$5400.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
In XXXX XXXX I sent a certified letter to Sequium regarding a collection account they placed on my Credit report, to validate this alleged account. I have received no response in over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: NC

Complaint narrative:
Experian needs to Remove this account from my Credit Report XXXX/XXXX  ( Account XXXX ) Not only did this account have fraudulent charges me not knowing the law at that time paid the account in full to the company that owns the account now which is XXXX XXXX XXXX. 

I have sent in my FTC identity theft report with my Identification to Experian I have been dealing with this for over 6 months this is my last time before I go to small claims court and seek damages if this account is not removed from my Experian report immediately I have contacted XXXX/XXXX  and they send the same computerize generic letter saying they dont own the account but yet theyre reporting it to Experian which in itself is a FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with Experian, XXXX, and XXXX  also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected 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 non-monetary relief
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected 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 non-monetary relief
Consumer complaint received 2021-08-19 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: IL

Complaint narrative:
Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: IL

Complaint narrative:
Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This is a follow up to complaint XXXX. 

Yesterday, XX/XX/2021, Commenity Capital Bank XXXX, ex XXXX, XXXX XXXX, contacted my son, XXXX XXXX XXXX, in XXXX, CA, who is XXXX years old, and was asking question about me regarding a debt owed. How in XXXX these XXXX  got information about my son, I don't have a clue. This is continued harassment about debt that does not and never has belonged to ME! XXXX  the XXXX  down!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
After applying for a mortgage with my current mortgage lender, this lender pulled my Experian credit report. This is fine and expected. 

Experian sold my information to a different mortgage lender who has called me, unsolicited. This is not fine. I do not want to be harassed, nor do I feel comfortable with my financial info and social security info being sold to random companies. This is personal. I was under the impression that companies such as Experian were supposed to protect my privacy, not sell my privacy. This is disgusting and I feel violated. 

I attempted to contact Experian. However, their customer service is set up in a way to prohibit customers from getting serviced by a human person. Given that I have XXXX  health challenges that make it difficult to type as I am forced to do now to explain myself, I needed to speak with a human. This was not possible using the customer service number provided on their website, 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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Opened a checking account on XX/XX/2021 and completed all requirements to receive a {$400.00} promotional bonus offer. A few days ago my account has been closed due to a XXXX  balance. This XXXX balance auto-closure is not readily available information to public and was never told to me. Coincidentally, it was right as the {$400.00} bonus was about to pay out. I called and spoke to XXXX ( supervisor of technical call center ). Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to all 3 CRA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to alXXXX XXXX XXXXA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to all 3 CRA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received the prepaid card on XXXX OF XXXX since then have made on time payments. However XX/XX/XXXX billing cycle I paid balance in full and waited for my available credit line. Well after 3 days of not being able to use my card I was charged {$4.00} in erroneous charges cash back interest rate, which Ive never seen since Ive had the card in addition to billing consumers on a 25 day calendar period and not 30 day. My {$25.00} payment I was told was a minimum payment, customer service said that it was a late fee. But when I utilized the capital One Mobile app is SPECIFICALLY SAID MINIMUM DUE {$25.00} so thats what I selected to pay on XX/XX/XXXX and {$230.00} on XX/XX/XXXX on XX/XX/XXXX it reflect the {$4.00} balance AFTER I HAD ALREADY PAID IN FULL!

2 : I NEVER RECIEPTS A LETTER STATING THAT THEY CONDUCTED A REVIEW OF MY ACCOUNT TO INCREASE CREDIT LINE 3 : operates on 25 day CYCLE NOT 30 days 4 : NO DIRECT IMPACT TO MY SCORE AS IT ALSO REPORTED So at this point CAPITAL ONE HAS DEFRAUDED ME ON SEVERAL OCCASIONS AND HAS VIOLATED MY SCRA RIGHTS AND THEY ALSO MISLEAD ME THE CONSUMER AND FRAUDED ME AT THIS POINT AND I DEMANDING TO BE COMPENSATED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Payment in the amount of {$900.00} made to Wyndham Rewards business card on the XX/XX/XXXX, I think the website migration has messed up everything. It's been a week and the available credit still does not reflect the payment amount. Tried calling but the customer service has no clue about the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A week ago I was messaged by a man on XXXX  asking if I needed financial assistance. I said yes. This man then said and showed that he had a ton of money from an account. He sent a photo and the. Emailed me checks and I deposited them and to prove I was loyal I had to send him some back. These checks then bounced and I was left with XXXX because I had already spent and sent money thinking the checks were real.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX - Synchrony Bank I called ( XXXX ) on XX/XX/2021 to pay off remaining balance on this card of {$700.00}. I had closed the account about two years ago, and was just making payments. XXXX with Synchrony Bank, handled the call and we did a bank XXXX withdraw from my XXXXXXXX XXXX Account for {$700.00} with a confirmation number of XXXX. 
This morning, XX/XX/2021, I received an email that my XXXX account was overdrawn by {$440.00}. After checking the account online, it showed that Synchrony Bank withdrew {$700.00} twice for a total withdraw of {$1400.00}. This was of course unauthorized. 
When I called Synchrony Back this morning, they immediately said there had been a mistake on their end and they'd send me a check for {$700.00} within 7 to 15 business days, which was their policy. 
I explained that I'm a retired senior on social security with a fixed income and wanted the money restored to my account today since it was their fault. They said their was no way for them to do that and I'd need to wait for the check to get mailed.

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 2021-08-19 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: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation