vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to dispute the following accounts with reporting agencies and creditor several times without success: The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts: 1. XXXX XXXX XXXX XXXX: $XXXX Status: Charge Off, Date Opened: XXXX - 2. XXXX XXXX XXXXXXXX XXXX XXXX: $XXXX 3. XXXX XXXX XXXX XXXX XXXX  : $XXXX Status: Charge-Off, Date Opened: XXXX4. XXXX/XXXX | XXXX : Balance: $XXXX Status: ChargeOff, Date Opened: XXXX5. XXXX XXXX | XXXX  Balance: $XXXX Status: Charge-Off, Date Opened: XXXX6. XXXX XXXX/XXXX | XXXX Balance: $XXXXNon of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act (FDCPA). The dispute service online on Equifax  has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have a recurring auto debit on the XXXX of every month and for the month of XXXX  that payment did not occur.  I was informed that the auto debit would not occur for XXXX because my account did not have a payment due and there was a system issue that is trying to be resolved. I pay more than the amount due and have accrued enough excess to be months ahead of my payment so the system did not take my payment. I had to contact the lender to determine why the payment did not occur, when going into the web portal the message simply says to please wait a few days for it to be resolved.   I have since gone in and instructed a one time ACH to pull today to make the XXXX payment. If I would not manage my finances to a strict budget I would not have noticed the payment did not occur and my account would accrue unnecessary interest.  However, my account will accrue additional interest for the delay in the payment (only 6 days on one payment but this is bigger than just my account).  The error by their system will in turn cost me and every other individual that has a loan with the organization that is paid ahead additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX XXXX To : " XXXX '' XXXX Subject : DOCKET NUMBER XXXX No mention of my name or account or my actual email address. Below is the complete message.

Message : CREDITOR : SPEEDY CAXXXX XXXXE Total Due Balance : {$760.00} ATTENTION : This Legal Proceedings issued on your Docket Number XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of SPEEDY CASH SERVICE has  decided to mark this case as a flat refusal and press legal charges against you. 

We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer : We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 

Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

You can Email back to get the payment mode too. 

Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement. 

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO ATTORNEY : XXXX : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX, XXXX XXXX XXXX, I attempted to send $XXXX   from my Ally Bank savings account using XXXX. A message popped up saying "Payment Limit Exceeded" and that to stay within my limit, I can send $XXXX  now or send the full amount as a standard delivery which can take up to 3 days. When I attempt to send funds as a standard delivery, I receive a similar error saying "Payment Limit Exceeded" and that my remaining limit is $XXXX I have been using Ally Bank for years, and I have been the XXXX to send funds within minutes from my Ally account in excess of $XXXX for over a year. I contacted the Ally bank via phone and Ally Messenger and was told "an issue with the XXXX, as we review the limits allowed. This is only a temporary issue but, unfortunately, we do not have a time frame on the fix." This is an unacceptable issue for a bank to have, to limit and hold a consumer's funds without providing notification of an ongoing issuer or a time-frame for resolution. The limit for XXXX  should be $XXXX as the Ally Bank Help Center, accessed XXXX XXXX XXXX, online at [XXXX] says:What are Ally Bank’s limits for sending or requesting XXXX   payments?Ally Bank LimitsAlly Bank Limits tableSPEED	LIMIT PER TRANSACTION	LIMIT PER DAY	LIMIT PER 30 DAYSIn Minutes	$XXXX	$XXXX	$XXXXStandard (Next-Day or 3-Day Delivery)	$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 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I wrote a check in the amount of $XXXX to Florida Department of Transportation (FDOT). It cost $XXXX to send the check certified to ensure that they received it within the 10 day time limit required. FDOT later sent me a letter informing me that the check had been dishonored and imposed an additional $XXXX fee on top of the original amount, in addition to the $XXXX of certified postage that it costs to send another check to them.A citibank representative stated that the checking "feature" had not been activated on my checking account and that the feature would be activated after writing the first check. I asked if he understood that they were essentially forcing me to bounce a check in order to activate the checking feature.

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 2019-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.

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 2019-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting a delinquent credit card account to all three bureaus. I have never had an account with Bank of America. I spoke to their fraud department multiple times. I was instructed to dispute the errors with all three credit bureaus and I followed the instructions and reported the error inXX/XX/XXXX. The investigations were completed and Bank of America verified that the account and report were both accurate. I called the Bank of America fraud department again and they could not locate any accounts using my name, address or phone number. Bank of America initiated another investigation onXX/XX/XXXXand once again determined that the account is accurate. However when I call and speak to a representative they are unable to find any account that matches my personal information.

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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
No entity may include in a consumer report any adverse information deficient of physically verified validity of truth accuracy and completeness and compliance to METRO2 SO PROVE NOW OR DELETE THE CLAIM XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX , US DEP ED XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, US DEP ED 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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to dispute the following accounts with reporting agencies and creditor several times without success : The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts : 1. XXXX XXXX XXXX XXXX : {$9400.00} Status : Charge Off, Date Opened : XX/XX/XXXX - 2. XXXX   XXXX XXXX  XXXX XXXX : {$590.00} 3. XXXX XXXX XXXX XXXX XXXX : {$730.00} Status : Charge-Off, Date Opened : XX/XX/XXXX 4. XXXX | XXXX : Balance : {$570.00} Status : ChargeOff, Date Opened : XX/XX/XXXX 5.  XXXX XXXX | XXXX Balance : {$580.00} Status : Charge-Off, Date Opened : XX/XX/XXXX 6. XXXX XXXX/XXXX   | XXXX Balance : {$660.00} Non of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act ( FDCPA ). The dispute service online on XXXX has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.

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 2019-08-21 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: TX

Complaint narrative:
The Pennsylvania Higher Education Assistance Agency ( PHEAA ) has incorrectly denied my application for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program, under which I meet all of the requirements for student loan forgiveness. Since my application was denied on XX/XX/2019, I have made 7 phone  calls to their customer service representatives to resolve the issue, which have been unsuccessful. The letter I received saying I did not qualify for forgiveness stated that I had only made 113 qualifying payments ( 120 must be made to qualify ). I told them I had documentation for all 120 qualifying payments I've made and on XX/XX/2019 requested a list of the 113 payments they were counting so I could check against my list to find out what 7 payments they were counting. The customer service rep said she would email me the list, 2 months later I still have not received it. She was able to tell me that 4 of the payments weren't being counted because a forbearance had been placed on my account on the dates my loan was transferred between loan servicers. I never requested a forbearance on my account and they placed one on  my loan without my permission ( note, the PHEAA is currently being sued by the state of Massachusetts for this practice ). Since they haven't sent me the list of 113 payments, I still haven't been able to determine what the other 3 payments they are not counting and why they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Received a notice in the mail on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX for a debt of {$400.00}. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for {$300.00}. The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for {$320.00}. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history. 
Unexpectedly on XX/XX/2019 I received a letter from Radius Global Solutions, XXXX requesting {$79.00} for the balance owed to XXXX XXXX XXXX XXXX XXXX. Infuriated that XXXX would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted Radius Global Solutions, LLC and spoke with XXXX. I explained to her the situation and asked her if they could review my call with XXXX to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with XXXX and I would receive a call back. The {$79.00} is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so today XX/XX/2019 I called Radius Global Solutions, LLC again at XXXX requesting an update and the representatives are telling me they can not locate an account for me. This debt of {$79.00} has significantly decreased my credit score and  I want it removed! Please help me! I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX . How I could owe $XXXX when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a background check by XXXX for a job application. The background check has me listed as living in Oregon two times. I have never lived in Oregon, so someone has used my identity. Their information on where I have lived is all wrong. I have had two addresses in ten years, it has me down for 5-6.

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 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
SINCE XX/XX/XXXX CHASE BANK LEGAL DEPARTMENT HOLDING MY CHECKING ACCOUNT # XXXX FOR NO REASONS AND ON XX/XX/XXXX THEY WITHDREW {$1500.00} WITHOUT ANY NOTICE. NOW I AM TRYING TO GET FACTS AND INFO BUT THEY ARE NOT PROVIDING ANY. 
I STOPPED BY AT CHASE XXXX BRANCH TO GET JUST LETTER TO SHOW MY CPA ATTORNEY XXXX BRANCH MANAGER XXXX XXXX NMLS ID:XXXX REFUSED TO COOPERATE AND FLATLY REFUSED TO PROVIDE ME LETTER, CHASE BANK NOT PROVIDING ME WHAT I WANT TO KNOW. 

WHICH LEGAL DEPARTMENT HOLDING MY ACCOUNT??? 
WHY THEY ARE HOLDING? 
WHY THE WITHDREW {$1500.00}? 
WHERE THEY SENT THIS {$1500.00}? 
HOW LONG THEY ARE GOING TO PLAY WITH MY ACCOUNT? 10 DAYS? 10 MONTHS? 10 YEARS OR LONGER?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX sold a paid debt to NATIONAL CREDIT SYSTEM the information they continue to update is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX and 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