vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to you in reference to Experian reporting the wrong and undeliverable address on my credit report. I have sent several disputes and tried to remove these addresses several times. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX. I will attach my utility bill. I need you to remove the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- the address is not deliverable and must be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- this address is not deliverable and must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX - this address is not correct and undeliverable please remove this from my report. 
I will attach a copy of my Experian report from XX/XX/2022.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The following documentation demonstrates that this third-party debt buyer is not reporting accurate information and is failing to report information correctly and therefore is violating the FDCPA and the Fair Credit Reporting Act. In addition, since the debt is from XXXX this account has passed the 7-year limit from date of charge-off under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. However XXXX, XXXX and XXXX XXXX keeps reporting inaccurate, false information to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now.with no help.

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 2022-09-13 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Medical Data Systems, Inc.
State: TN

Complaint narrative:
They sent mail to my house asking for money for unidentified information as a result of identity theft not related to any transaction completed by me. 

Medical revenue Service account XXXX and account XXXX and account 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 2022-09-13 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: UT

Complaint narrative:
Fraud accounts were opened using my information and credit profile. The following rights of mine were violated and laws broken. 


15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: MD

Complaint narrative:
The loan that I have been sending money monthly was sold to this company XX/XX/2022 They started calling me all day all night. On XX/XX/2022 I talk to them, telling them that I was not working And he said well the amount you was sending the other company not gon na cut it with us! I was telling them that my husband was paying everything for me and I would see if he could send them more monthly and try to get a lump some together if he could get a loan. He was saying how about XXXX and I was saying Im not sure I would definitely talk to him and call you back.The he said hold on and the call was dropped.Then they started calling me again all times that night. And started again early morning.I called him back on Tuesday XX/XX/2022 to see if my husband could send a little more monthly while he applied for some loans to pay a lump sum, The guy started talking over me yelling this not how this works!!!! you just need to have your husband call me!! Good by!! Good by!!! And hung the phone up in my face .The company is Asset Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill XXXX ph XXXX. The company I have been sending payments to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ph XXXX here are my receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TN

Complaint narrative:
I requested a refund for the payments I made during the pandemic since I am eligible for the one-time {$20000.00} loan forgiveness. I made this request on XX/XX/2022, in the amount of {$4900.00}. The lady I spoke with that day stated they do NOT provide confirmation numbers/emails for the refund requests. I basically have to have faith that the request was made but have no proof of said request. 

So, I talked to two representatives today ( XX/XX/2022 ) to confirm that the request was made and to find out how long it will take. The two representatives that I talked to were less than helpful. They were able to tell me the refund request date as well as the amount, but would NOT tell me how long it would take to process the refund. The first representative, XXXX, just said that it is processed according to the Department of Education 's timeline but could not provide that timeline. The second representative, XXXX, told me " We do not have a timeframe. '' How do you not have a timeframe? 

The lack of transparency with this company is very alarming and completely unacceptable. Every time I speak to someone they tell me something different and now no one has any answers about the refund processing times. As a service provider, you should be able to at least give an estimated timeframe for the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Corporation charges my card fraudulently and closed accounts without my consent, after several billing errors. Next, furnished false and inaccurate information to third parties. Corporation is negligent and non compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt

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 2022-09-13 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: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/22 i got alert from XXXX  saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account Credence Resource Mana knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a PPP loan through Bank of America. They filed all the initial paperwork wrong and I have countless emails of proof and all evidence against Bof A in my appeal. Bank of America has refused to give any paperwork to me regarding the loan application- for which it was denied. They have refused to give me any documentation that was filed with the XXXX or any documentation at all. They are enforcing I pay back this loan immediatly. I have proof that they admit to the wrong PPP filing from their employee. They approved my loan as I am a XXXX XXXXXXXX, and are now denying it as they say I don't have a payroll. I have to pay back the PPP loan completely and Bank of America has refused to give me any documentation on the loan so I might go to an attorney to help. 
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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: TX

Complaint narrative:
I have never had an account with XXXX and have never paid or agreed to pay them for freight. They have harassed me after I have continued to ask them to speak with whichever broker was used. Whatever Account this is does not belong to XXXX XXXX XXXX, or any of its subsidiaries. They should reach out to whoever they have a contract or account with and figure this out themselves because there is no contractual agreement or payment agreement that was given from XXXX XXXX XXXX to anyone at XXXX XXXX. XXXX should show original written and signed agreement if there ever was, which of course even if there was any, it would be fraudulent. Stop bullying small businesses and trying to harass individuals. This is unprofessional and unnecessary for a company that should be serving its clients but is instead trying to threaten them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I had paid off over XXXX XXXX dollars worth of student debt in XXXX of XXXX. Fast forward several months, and Biden announces student loan forgiveness. I meet the qualifications for said debt relief as I continued to make payments during the moratorium. 

I called my student loan provider, Great Lakes, and requested a refund of XXXX XXXX dollars the day after the student loan forgiveness announcement on XX/XX/XXXX. I was told I would have an email sent to me with the reference number for my request by the first customer service rep. After calling back when no email appeared, I was told no such reference number exists, and they would not provide any proof of confirmation of my request. I spoke to a manager who said the same thing. They told me it would take up to 30 days to process the request. 

I call back again today, XX/XX/XXXX, and ask about the status of my refund request. No updates are available at this time, and I am told the refund could now take up to 60 to 90 days to process. 

I want my refund so I can request debt forgiveness when the application becomes available. I understand many people are requesting such refunds and there is high volume of customer traffic. In two to three months ( which they now have warned me how long the refund will take ), it will nearly be XXXX and my window of opportunity will be closed. I worked hard and sacrificed much to pay off my debt entirely during the moratorium. I make less than XXXX but paid off over {$65000.00} in private and government loans during the moratorium. I want to take advantage of the opportunity for some debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, After more than 15 years with my Bank of America credit card and accumulated more than {$3000.00} dollars of reward points, Bank of America decided to close my account due to 2 months of inactivity. 
Due to the circumstances and current economic crisis, I decided not to use my credit card. I truly believe one is force to use their credit card if financially not stable. Bank of America uses tactics and promotions for you to use your CC and collect rewards points which at the end they have the control over them, not you like they advertise it. Bank of America are not very specific and clear about their reward points, they only care about using your credit card as much as you can.

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 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XXXX I received a collection attempt from Portfolio Recovery Assiciates ( dated XX/XX/19 ) about a debt I did not recognize. I sent certified mail asking for validation and verification of the debt. I received no communication from this collector until today where i received communication insinuating that i would be sued. I have all records of my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Venture XXXX is promoted as a card that you can book travel via their web portal and accumulate 10 times points when you do so. 

However, their portal is so limited that it doesn't show the best available price nor does it show all the available flights. The booking engine is so limited that you would end up buying several 1-way tickets ( which are more costly ) when you want to do a multi-segment trip. 

I've only successfully booked one ticket on their portal, all my other purchases need to be made directly with airlines or another portal such as XXXX. 

The yearly fee takes into account the use of the travel portal to accumulate travel points, however, I am realizing this is a farce in the year 2022 not being able to book all options on a web portal. 

Deceptive advertising practices at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A check ( # XXXX ) which was issued one year ago on XX/XX/XXXX to a vendor company, was processed and paid by the Wells Fargo Bank, when that check got deposited on XX/XX/XXXX. 

There was a STOP Payment on that Check but as per the Bank Policy the STOP Payment is Valid only for Six months.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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