vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have a VISA Credit Card in which the monthly statements indicate an Amount Due and Date Due. In several instances, I have been charged Late Fees although payments were made by the specified Date Due. 
Date Due Date Paid Date posted Late Fee $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Total {$150.00} Recently, my credit limit was reduced by a company called XXXX XXXX ( XXXX XXXX  ). 
Needless to say, these late fees Fees Charges have seriously impacted my overall credit rating and i wish to these fees reversed. 

Thank you

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Around the end of XXXX I responded to an ad on parent company PayPal 's site for a {$10.00} bonus for opening a Venmo account and verifying your number. I did so and was first told by Venmo that I would receive the bonus on XX/XX/XXXX, XX/XX/XXXX at the latest. XX/XX/XXXX came and went, and now on XX/XX/XXXX they're changing their tune and passing the buck

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America dispute department unable to investigate the claim in a professional manner. 
Re : XXXX XXXX entry of XX/XX/21 for {$110.00} on A/C ending on XXXX On XX/XX/21 I disputed the above charge that I never called them to place this order. XXXX arbitrarily debit my account for {$110.00} since they have the account on file from a purchase of {$39.00} that, I made couple years ago at XXXX XXXX. I closed the credit card to avoid any further entries and because BOA does not care to investigate properly. BOA claimed that XXXX sent the merchandise to XXXX XXXX XXXX XXXX XXXX FL XXXX address that the have on file from the last transaction that I did at XXXX XXXX. 

For various occasions I requested proof of my signature that I received the item. BOA unable to comply with that request. BOA kept sending me unprofessional, unsigned and pre-printing letters every time I make an inquiry. 
The dispute with BOA have bee a nightmare. BOA debit my account 3 times leaving a balance of {$110.00} as their merchant XXXX claimed that I received the merchandise. They debit on XXXX and XX/XX/21 plus they are charging me {$24.00} on top of it each month. Your attention is appreciate as there is no professional communication with Dispute Dept. I written twice to CEO Complaint Dept in XXXX NC to no avail. 
Please help me to reach out to BOA as they keep ignoring my request and they keeping charging my account. They lost a faithful and decent customer I been with them for several years, I pay me account in full every month with no issues. They don't care, they rather collaborate with XXXX. XXXX can be digging into people old file and passing a entry to satisfy their number. Nevertheless BOA can not investigate their bad conduct. I am a victim of a fraud from XXXX and BOA supporting a wrong doing. Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX phone # XXXX I am ready to mail correspondents if is needed.

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 2021-09-16 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:
Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from XXXX  saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.

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 2021-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
I am in the PSLF program. FedLoan is saying certain payments I made are ineligible & theyve been reviewing the first 3 yrs of my payments in the program for at least 5 months. I called XX/XX/XXXX to investigate & was told my payments were being reviewed. I called XX/XX/XXXX & was told the problem w/my payments was that the loan company that my first XXXX yrs worth of payments were with, had gone out of business. I was told to upload bills showing payments made & I did. Also, there was a XXXX month period of payments that were deemed ineligible. Upon investigation of that, I was told an administrative forbearance was put on my account for 2 months & then a general forbearance for XXXX months. I DID NOT ask for any forbearance - my payments were based on income & per that they were {$0.00} payments! Why would I have to put a forbearance on something that was already {$0.00}! They requested bills showing I was in repayment for that time period, as well, & I uploaded that paperwork too. I called AGAIN after sending several emails, & was told there was nothing I could do but wait. The representative on the phone did say that she would email someone higher up than her & see if that would help. My forgiveness shouldve been the easiest process. I was in the correct payment plan, I worked the same job for the entire time period so no issues w/employer that didnt qualify & I certified my income annually. I did everything by the book! I NOW have over {$100000.00} in student loan debt due to interest! Please help before FedLoans contract expires, my loans are transferred & the chance of something else happening increasing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been working for Public Service Loan Forgiveness since graduating from medical school in XXXX. I consolidated my loans and set up automatic payments ( usually by XXXX XXXX House ) direct from my bank accounts. I changed my loan servicer from XXXX XXXX, whom I found very capable, to FedLoan. By XXXX of XXXX, I noticed that their count of my qualifying payments seemed to be far short of what I expected. I asked them to review. They counted it as a request to see if I qualify and told me I did not. I called again, asked for help, was told a ticket was being opened, and received a packet in the mail with copies of payments from previous loan servicers, such as XXXX XXXX, XXXX, and even DirectLoans, I believe. There was nothing to help me understand the codes listed, what the information actually was, or how it translated to the count that FedLoan was telling me. I submitted paperwork again to certify my payment count around the end of XXXX, and was told I had not made enough payments. I called customer service to ask for help, and from that call was sent a letter documenting balances and payments made in XXXX and XXXX ( most of the payments I believe are being counted erroneously are from XXXX to XXXX ). So those were useless. I called again ( I am not sure which month, estimate around XXXX or XXXX ), and did finally speak with a CSR who agreed that because of the reason for the payments not counting, " Out of Window '', ie paid after the due date for that particular payment, all in a row, for nearly every loan, that it looked like essentially something had been shifted in terms of what due date a specific payment was being associated with. Those account for 3 years worth of payments. Another 7 payments ( x XXXX loan account numbers ) don't qualify because they could not find a bill for that particular payment. It seemed like at least the Out of Window payments would be manually reviewed and reconsidered as qualifying. I then received notice on XX/XX/XXXX that they felt all counts were correct. I called again on XX/XX/XXXX, and was told the only option was to request a manual review again, so I did. I am still waiting to hear back from that, but am not confident that they will do it correctly the second time around. I have been caring for underserved patients for 11 years now, paying off my loans the entire time. FedLoan is incompetently handling my PSLF and is bailing out anyway in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2020 I called Barclays to defer my payment, which they approved my request. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Barclays, paid off my account in full and closed it. I had that account 1 year and never missed a payment. I called requesting to defer my payment as I work in the travel industry and due to Covid -19. I was not certain what will happen with my job. Please help me correct this unfortunate situation as Barclays are not being responsible for the lack in service.

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 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On around XX/XX/2021 I called & requested by telephone for a debt validation & verification letter from CAPIO PARTNERS LLC for the amount of {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due and have NOT received a bill that includes a breakdown of any fees including descriptions of said fees AND/OR interests occurred. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

& 2. ) Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Their response is 30 days late, and I have not received a response yet. Please remove these items from my credit report that were originally disputed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Sunday, XX/XX/2021 I received an alert from XXXX XXXX asking if I was attempting to open an account with Wells Fargo. A few minutes later I received an email from Wells Fargo notifying me of an online application for a checking account, showing the applicant provided my name ( spelled correctly ), social security number, and date of birth. I immediately called both companies but got recordings to call back during business hours Monday through Friday. I called XXXX the following day, Monday, reported the identity theft, received a case number and instructions they would call back to 3-way call with Well Fargo. It was two days later, Wednesday, XX/XX/XXXX, when XXXX called with Wells Fargo. Wells Fargo stated they were placing a freeze on the application and gave me a case number. On XX/XX/XXXX, I called XXXX, who placed another 3-way call to Wells Fargo to follow up on the case. The " freeze '' on application apparently did not keep it from becoming an account, as advised on XX/XX/XXXX. They asked my name, social security number, email address, phone number, and address. They stated the phone number and address were different than what I provided. They advised they put a freeze on the account and issued another case number. On XX/XX/XXXX I followed the link to the account through the email Wells Fargo sent me on XX/XX/XXXX, which provided me with the account number, routing number, and application status as " signed and completed. '' I called XXXX, who 3-way 'd the call with Wells Fargo to check the status of the account. It still had not been closed. By the end of the phone call, Wells Fargo Fraud Department stated the account had been closed ( by him ). I still do not have any information about any charges, or what information they gathered in their " investigation '' of the fraudulent account. He only said they would send a document in the mail. At least he got my correct address to send it to. It's so frustrating that I had to keep following up every week to get them to do their job!

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 2021-09-16 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: MI

Complaint narrative:
ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
MoneyLion is the Name of the party that I am disputing I signed up for a XXXX XXXX and received one advance which was repaid. After that, MoneyLion repeatedly debited my account for instacash advances that were never made. XX/XX/XXXX for {$56.00} and XX/XX/XXXX for {$45.00}. Also debits for MoneyLion Plus Membership Fee for {$9.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In addition a loan that was taken out without my authorization. ML Plus Loan deducted for {$38.00} on XX/XX/XXXX, ML Plus Loan for {$38.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
I noticed these fraudulent accounts on my credit report and I've disputed them several times with the company and Transunion and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00}

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: WA

Complaint narrative:
My credit report Fico score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to Visa yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to VISA and transferred the balance to the VISA. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
Accounts Receivable, Inc is a collections agency in XXXX, XXXX plaintiff is XXXX XXXX XXXX XXXX XXXX send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in XXXX  state and the statute of limitation is 6 years. Why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive written multiple dispute letters to transunion ask for the removal of multiple hard inquiries that are not authorized or verified and I havent received any response or updates whatsoever

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