vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: SC

Complaint narrative:
I have been enrolled in the PSLF program. As of XX/XX/2020, I made 120 qualifying payments. I have written confirmation from Fed Loan Serving indicating that ( see attached letter ). I submitted my application for loan forgiveness on XX/XX/2020. I was told it would take up to 90 days to process my application. The 90 days has already passed. When I emailed to inquire about the status, they now tell me it will take AT LEAST 90 days. Once Fed Loan Servicing completes their part, they send my paperwork to Federal Student Aid for additional review. This review will take up to 180 days to be completed. 

I am not sure I understand the delay. If I already have written confirmation that I have made 120 qualifying payments what could possibly take 270 days? Meanwhile, my credit report continues to show a $ XXXX  monthly obligation which is affecting my overall credit worthiness. 

It is frustrating that I have satisfied the requirements of PSLF and yet seem to be getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: GA

Complaint narrative:
This is a confirmation that I am disputing several fraud inquiries on my Equifax report. I tried to get a solution in the past. I sent Equifax a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. 

I have attached a document. Please send it to Equifax. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX of 2021 my wife and I started the refinancing process with Amerisave ( company based off Georgia ), the loan originator very friendly called XXXX XXXX which confirmed the interest rate at 2.65 % and a savings of $ XXXX  monthly on our new payment, we submitted all the necessary docs immediately as we new rates were record low and despite having multiple lenders on the phone that offered same deals we decided to stick with him as he was pretty helpful and convincing. We paid the {$500.00} fees right same day as we started the process, submitted everything asked within 12 hours every time XXXX asked for something and after 2 weeks communication stopped, we were contacted by XXXX XXXX the loan processor with a complete different disclosure that was more than twice the amount of closing costs, I questioned both and again complete silence. 2 weeks later XXXX XXXX the second loan processor reached out with the same scenario, wrong disclosures and again extremely higher closing costs plus now an increase on interest even though XXXX confirmed over and over not to worry about the interest spike if it ever happened as he'd be able to offset it somehow. Again I politely replied to XXXX and XXXX and the same thing happened, silence and no communication for another 2 weeks. I called and left voicemails, sent emails, and the last communication we received via email was about a week ago and again for a third time a new loan processor was CC 'd on the email called XXXX XXXX that had less idea than the previous 2 of what's going on. So far we've lost the opportunity of closing with a real and honest lender which we skipped as we chose Amerisave, the {$500.00} fees, {$600.00} for the savings we could've saved by closing within 30 days with a real and honest company that cares about their clients and the future losses we will continue to have due to their crooked way of operating which is a monthly {$300.00} until the rates hit rock bottom again probably on a next crisis who knows. Stay away from these guys, little I knew that on consumer affairs they have endless 1 star reviews and if you take the time to read them all like I did after the fact unfortunatelly they will all be similar to my experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX Corperation does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX XXXX They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: MD

Complaint narrative:
There is incorrect information on my reports with TransUnion XXXX XXXX  pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX Missouri. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts 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 2021-04-01 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: TN

Complaint narrative:
After viewing my credit report I noticed inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XX/XX/2016 {$1000.00} debt do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am in the process of purchasing a home so I called Capital One about possibly doing a good will adjustment for a 30 day late payment dated XX/XX/XXXX. The representative on the phone provided me some information to submit so that they could update the status of my payment. On XX/XX/XXXX I got a letter stating that that would be violating the FCRA so they are unable to update the payment as a courtesy which is understandable. However, they updated two of my sisters late payments as a courtesy on XX/XX/XXXX, which according to the FCRA is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Wakefield & Associates sent a collection letter dated XX/XX/2021 in regards to an alleged debt. I sent a debt validation letter dated XX/XX/2021 via certified mail which they received on XX/XX/2021 asking for proof of debt validation documentation. FDCPA states that a debt collector MUST respond to a request for debt validation letter within 30 days from receipt of that letter. Wakefield has not responded to my request as of XX/XX/2021 which is well pass the 30 days allowed. Wakefield has reported this fraudulent account to my credit report, all 3 major credit bureau which puts them in violation of FDCPA and also reporting inaccurate information on my credit report which is in violation of my rights as a consumer. I have a right to ask for debt verification, and by LAW they must provide documentation proving the debt is mine, that i owe the debt, that i agreed to pay them the debt, and they have the right to collect the debt owed. If wakefield & Associates can not provide proof by law they can not report this debt to my credit report and must remove it immediately. Wakefield & Associates are in violation and I will be filing complaints against Wakefield & Associates with my state attorney general, the FTC, and disputes with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 we tried to refinance our mortgage with Chase. At the time of the application Chase asked me to provide a {$500.00} downpayment with the understanding that if the refinance application was not approved it would be returned. I paid the {$500.00} with my Chase credit card. We had agreed upon the terms however Chase came back with different terms which we did not agree. Chase approved the application with different terms such as over a {$100000.00} mortgage when my mortgage that I wanted to refinance was only {$54000.00} ( approximately ). The reason they said was because they found a credit card under my wife 's name that allegedly was charged off. We disputed that allegation. Chase attempted to add the alleged amount owed to our mortgage. Initially when they did the credit report on me and my wife it did not show up. Since the application with the terms we initially agreed upon was not approved I requested a refund of the {$500.00} but they refused. I disputed Chase 's attempt to retain the {$500.00}. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. I believe that they were trying to take advantage of me. I requested numerous times a refund and to this date I have not seen the credit on my credit card. I have asked them if they have credited my account to show me proof and they have not provided anything, Attached are the emails and most recent email that was sent but no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I have received a letter from Transworld Systems Inc and I do not know who that is. They are telling me I owe them a debt and 15 usc 1692 ( b ) ( 2 ) says debt collectors are not allowed to say you owe a debt. I have never done business with them before and this is a written refusal to pay. In their initial communication they did not disclose why this debt is valid pursuant to 15 usc 1692g. They are breaking the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Tilt Finance, Inc.
State: TX

Complaint narrative:
I contacted Empower Inc. on XX/XX/2021 due to an unrecognized transaction made on my debit card. They provided a reference number of XXXX. The following day, XX/XX/2021, I received an email from XXXX advising they were exercising their right to close my account per the Consumer Deposit Account Agreement. No investigation of the unauthorized charge or explanation as to why my account was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The main problem on XX/XX/XXXX was the sell man in the store had to apply for the credit card for me in which I was approved for XXXX. HE didn't explain or give me information on the credit card process and guidelines and I wasn't able to read small print, so I didn't know that my credit limit will be decreased in which mine did in XXXX. I had a couch complaint on XX/XX/XXXX in return, and was told not to make a payment till investigation is over. It's yet to be over XX/XX/XXXX, and I didn't get retrurn till XX/XX/XXXX, that's when my credit limit was decreased to XXXX. The other problem was because I didn't know guidelines in policies that each item is paid off one at a time not the totally balance there is a small balance still. I've went to store in they tell me it's clear yet credit card dont. And last I was told the credit card comes with warranty yet I was charge the fee of 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 2021-04-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom Credit is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in Nordstrom 's payment program that reduced my monthly payment. The first payment due on Nordstrom 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from Nordstrom stating they were attempting to collect a debt. During the call with Nordstrom, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The Nordstrom staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.

Company response to consumer: Closed with non-monetary relief