vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2021 I was alerted from the credit bureaus that my account went into 30 day late payment status for the month of XXXX. Which was reported by XXXX XXXXPrior to this incident I have not had any late payments with this institution. 
I tried contacting Barclays Bank on several occasions speaking several different representatives as well as supervisors asking them why was I reported 30 days late to to the collection bureaus? They all have told me that they wasnt responsible for reporting me for a late payment and that it was in-fact a issue that I needed to address to The XXXX, and that they could not help me.In the meantime my actual credit report for the month of XXXX clearly states that it was indeed reported 30 day late by XXXX XXXX . 

At that point I proceeded to contact the XXXX XXXX and spoke with several representatives as well as supervisors and explained my situation to them.They then informed me that my account was paid to date, as well as that they do not have any affiliation for collections of payments from Barclays Bank with my account.They said that they have an entirely different institution connected to my account for collection of payments and that is the only institution that they have on file for me.They also informed me that they did not report me to the credit bureaus for late payments.

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 2021-11-14 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: OH

Complaint narrative:
I signed up for PSLF back in XXXX and have made well over 120 payments yet my total still says only 75 payments in the portal of my servicer. 

I consolidated in XXXX and was told that all payments made prior to the consolidation do not count. I was never made aware of this when I consolidated my federal loans. 

My original loan balance was $ XXXX but now it is over XXXX XXXX dollars due to compounding interest. I have consistently worked for a nonprofit since XXXX and always made my payments and completed all necessary PLSF documentation. I detrimentally relied on this program when choosing a profession in the nonprofit sector. 

As you will notice that from XXXX to XXXX payments were adjusted to {$0.00} yet the servicer is refusing to count these 60 payments. I have attached the payments that the servicer is refusing to include.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I sent certified registered letters to CAPIO PARTNERS regarding accounts that appear on my credit reports with all three credit bureaus. I requested a DEBT VALIDATION letter and they in turn sent me an " account statement '' which has my last 4 digits of my social security number on them, dates of service, and original account numbers from medical/healthcare facilities. There is also a section with " Patient : XXXX, XXXX XXXX ''. These are all in direct violation of XXXXIPPA Regulations including but not limited to the 18 HIPPA Identifiers. I did not sign a HIPPA letter giving them permission to have this protected health information about me. I am attaching the letters I sent CAPIO PARTNERS and the ones they sent me in this complaint.

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending collection notices for 3 separate accounts in the amounts of {$2100.00}, {$2400.00} and {$2500.00} respectively. The collections have been reported as a past due balances. I do not know this company and I have never done business with this company. Portfolio Recovery does not have a contract with me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: FL

Complaint narrative:
I am consumer XXXX XXXX XXXX. I am being federally violated by equifax and they are committing a crime pursuant to 15 usc 1681 ( b ) ( 2 ) I never gave written permission to equifax. I demand that the tradelines listed be deleted convergent outsource XX/XX/2021 XXXX XXXX XXXX XXXX. No consent is identity theft this company is infringing on my right to privacy. I did let the federal trade commission know that this crime is taking place. Equifax is not a bureau. pursuant to 15 usc 1601 103 ( b ) bureau - the term bureau means the bureau of consumer financial protection. pursuant to 15 usc 1681 c-2 block of information resulting from identity theft. ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such an agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
never received the letter indicating that i owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I got an email informing me I had a hard inquiry on my credit from JPMCB - CARD SERVICE yesterday. I have never, ever applied for any XXXX from this company. I want this taken off my credit history immediately and those responsible put onto the gurney for lethal Anyway, I am not happy. I appreciate your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion Is reporting a debt that original creditor sold to a debt collector. Balance is also incorrect as I have proven documents proven that debt is lower than showed amount on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
About a year ago, after a successful transaction sending money by MoneyGram to my relatives out of country, I was notified by MoneyGram that the transaction was cancelled. Next, I was told that I can not use MoneyGram services to send money in the future. I wanted to know the reason behind the decision that no one from MoneyGram has provided me. 
On XX/XX/21, a friend of mine sent me money from back home. Today on XX/XX/21, when I went to cash the money, I was told that a problem occurred and that MoneyGram will contact the sender and will refund the money. 
While MoneyGram may retain the rights to process or decline any transaction sent through its system, it shall not violate any federal, state, or local laws. I believe that I am being discrimanated or I would like to know what I have done that restricts me from sending or receiving money through MoneyGram. I have not done anything wrong on any transaction I made through MoneyGram or any other businesses. I am subject to profiling and discrimination by MoneyGram and it is against the law. Once again, I am asking MoneyGram what terms of the agreement were violated and to stop this practice of discrimination and profiling. I am waiting to hear from your office and looking forward taking this matter before the court if your arbitration can not bring clarity to this issue. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX removed these charges and sent me a letter stating that they were removing the delinquency. 
Transunion failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$3300.00} XXXX XXXX XXXXXXXX*-Balance {$280.00} DPT ED/XXXXBalance {$3100.00} DPT EDXXXXBalance {$1400.00} XXXXBalance {$530.00} XXXX  XXXX**XXXX*-Balance {$15.00} XXXX XXXXXXXX****-Balance {$22.00} XXXX XXXXXXXX****-Balance {$68.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX****-Balance {$230.00} ( Original Creditor : XXXX XXXX ) -XXXX***-Balance {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
XXXX lost a credit card dispute with XXXX XXXXXX/XX/XXXX card for {$150.00}. The XX/XX/XXXX company was trying to give me {$80.00} inXX/XX/XXXX instore credit which I have no use for. I used the XX/XX/XXXXservice for 10 days only then canceled it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a Costco member and have the Citicard XXXX XXXX Card. It is very strange, I applied twice for credit limit increase and got denied, the reasons were that my phone number associated with my fraud alert did not match and Citicard did not get my permission to get a credit report which were lies. I did have a fraud alert last XXXX, called XXXX and reported it and stuff. Then earlier this month when I applied for credit limit increase, I remived the lock, called the bank and credit bereau before hand and informed them of my plan. Then after I applied, I got a denial. I called Citibank and the credit bereau and apparently according to XXXX, the phone number on my file was not listed as my mobile phone, it was listed as a landline so they fixed it. 2 days later I called Citicards again and re applied and got denied again. I have an excellent credit, I dont have a mortgage or car payment and I pay the balance on my credit card every month. I am not sure why I keep getting denied, very strange. Also, last spring, sometime in XX/XX/2021 or XX/XX/2021, I also applied for the XXXX XXXX Checking account and got denied as well. I am not borrowing money from the bank, I was going to deposit {$150000.00} of my money and got denied? Why? Apparently bec they can not verify my credit report which was strange. I honestly believe that Citicard has some sort of prejudice on me. The people there dont know what they are doing. They think I am a risk so they deny me. I honestly have plenty of cash to pay for things. Unbelievable, whatever parameters they use to screen and whoever is working there do not know what they are doing. 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 explanation
Consumer complaint received 2021-11-14 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX  removed these charges and sent me a letter stating that they were removing the delinquency. 
XXXX failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX & XXXX. 



I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 


I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX in the amount of {$8400.00} based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 



I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation