vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX  and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.

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 2020-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX.  He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM CERTAIN THAT THIS NEGATIVE ACCOUNT IS FRAUD RELATED BECAUSE I AM SURE THAT THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
As of XX/XX/2019, Sequium Asset Solutions , LLC, a collection company, account appeared on my credit report for {$500.00}. I contacted Sequium regarding the debt and learned it was for a Spectrum cable account for service at an address in Texas that was never paid. I have never lived in Texas and I have a XXXX  account at my home in XXXX XXXX in good standing. Sequium referred me to the original creditor XXXX aka Spectrum. XXXX aka Spectrum reviewed the account and determined it was fraud and issued a deletion letter for the account to be removed from my report. I submitted the deletion letter with the dispute to the collection account and it was dispute returned that the account was correct and not to be removed. I called Sequium and they said they advised the bureaus on XX/XX/XXXX to remove the account. XXXX denied receiving correspondence from Sequium to remove the account. XXXX said Sequium collection company is the only one that could authorize to remove the account-they are the name on the credit report. The account is a fraudulent account which has really decreased my credit score. I am stuck between the collection company and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on morning, XX/XX/2020 if I am not satisfied with PayPals response to this request to release my funds, i will be filling complaints with The Attorney General 's Office AND The United States Federal Reserve ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Paypal has not contacted me with any exact date that I would be able to withdraw my funds. 

Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of XX/XX/2020. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. 

Thank you for your time again in looking into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spoke to an associate named XXXX and I requested a reduction in the APR on my Chase credit card. He advised that this is the lowest rate available. I find this hard to accept being that my FICO score is XXXX and I have never been late with any of my bills. I live in the state of XXXX XXXX and we are the epicenter of the COVID-19 outbreak. Chase should provide a lower APR in my case since I have several accounts Chase. This is not how you build shareholder value with clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
I have attempted to resolve this issue with you over 1 year and you failed to remove the Fraud item XXXX XXXX off my Experian Consumer report. I am a Victim of Identity Theft and provided you with all the proof of the account not authorized by me to be opened and you still have not yet blocked or removed the entire account. The other two Credit Reporting Agencies, XXXX and XXXX  did their job and removed this item off my credit reports immediately. It is only your reporting agency that has neglected my dispute. Please have this account blocked/removed off my Experian consumer credit report immediately or I will take legal action.

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have been defrauded by Citibank for the total amount of {$65000.00}. 
Accounts involved : XXXX, XXXX. Accounts are in the name of Mrs XXXX XXXX, and are managed by my spouse, XXXX 's daughter, XXXX XXXX as Power of Attorney. 
Account XXXX, in the name of XXXX XXXX XXXX Estate. Also managed by XXXX XXXX, daughter of the late XXXX XXXX XXXX. 

Finally our personal checking account XXXX which was started 40 years ago. 

The problem : In the first week of XX/XX/2020, we noticed several checks that had been attempted to be deposited to all the accounts above. The amount was the same in almost all : {$4700.00}. All checks bearing addresses from upstate New York were made payable to XXXX XXXX. Most checks included XXXX 's complete Social Security Number, which in itself should have been a red flag. 
The next step of the fraud was made in person, where someone impersonating my wife XXXX, went to a Citi Branch in Illinois and made withdrawals using my wife 's PIN number, and ( or ) my number, when it came to our joint checking account.This also should have raised a flag. It did not. The signature of my wife was imitated very badly in this process and her name misspelled. Another red flag ignored. Our signatures have been on record for 40 years. A Video of this person exists. 

We brought all this to the attention of the branch management and they contacted the Citi fraud unit and told them unequivocally that these transactions were not made by us. They also told them that they had spoken to the management of the Illinois branch about it. 
We have not travelled to that State.We have never been accused of a crime. 
We have spent countless hours going to the branch in our neighborhood speaking to our customer service rep, Assistant Manager and the Citi fraud Unit during these dangerous times. 
We have also spent hours speaking to the Fraud Unit from our home while quarantined. Last time was today while at the branch. 
The Fraud Unit contrary to the determination of the Branch management, told XXXX that there would be no compensation for us, while offering no tangible- factual reasons. 

Remarkably, the exact same treatment was offered to me, XXXX XXXX, about 2 years ago, when my Citi credit card was defrauded via a non chip credit terminal at a store. 
Only after my complaint to this agency did my then nightmare ended. 

It is obvious to anyone with a brain, that a Citi employee stole all our personal info, PIN numbers included and perpetrated this crime with Citi 's negligence as a helper. 
Their recalcitrant/indifferent response is an insult to us on top of injury. 
Citibank is aiding and abetting crime. We are sick of being abused. 
We Obviously Need 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 2020-05-27 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: GA

Complaint narrative:
I have 6 Nelnet student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with Nelnet. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as Nelnet does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with Nelnet. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by Nelnet. 

I am a nurse on the front line of this pandemic. The breakdown of communication between the college in XXXX and Nelnet should NOT be falling on my shoulders. Nelnet needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that Nelnet provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that NELNET does not have access to the current status due to this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion, XXXX  credit freeze I applied for XXXX  settlement which they said was $ XXXX $ XXXX I never received my settlement check

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 2020-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AP

Complaint narrative:
My husband and I have a home mortgage that is serviced by Loancare. Our mortgage payments are automatically drafted, so we are up to date and our loan is in good standing. The problem is, for the past month, we have been trying to make a large principal payment to our account. I have not received a statement ( which includes the payment stub for additional principal payments ) from Loancare since XXXX ( almost 2 months ). I tried paying on their website, but their server has been unavailable for over a month. Every link associated with www.myloancare.com comes up as " server unavailable. '' I've tried accessing the website on different devices, different browsers, and different times of day in case it was due to high web traffic. Always the same results : " Server unavailable. '' I've tried reaching them via phone with the same results. I'm sent in circles by the automated phone system, kept on hold for 6 hours or more, then the line disconnects. 

I believe Loancare has an obligation ( both legal and ethical ) to be available to their borrowers. I'm glad I have auto-draft on my regular payments, but I have the right ( and should have the ability ) to make additional payments on my mortgage any time I choose. I can't imagine how infuriating this must be for people who are behind on their loans and Loancare is making it impossible for them to pay. The company seems to have abandoned all pretense of customer service, or even providing reasonable means for borrowers to make 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 2020-05-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA I APPLIED FOR A IBR ACCOUNT AGAIN/MILITARY BENEFITS DON'T KNOW IF I HAVE.  ALSO, NAVIENT I APPLIED FOR A IBR ACCOUNT AGAIN/MILITARY BENEFITS THIS PERTAINS TO ALL LOANS ON RECORD OR FILE.  WHY IS NOT THE LATE DAYS BEING DELETED BACK INTO POSITIVE ACTIVITY.  PLEASE HELP 

REGARDS,

XXXX   XXXX XXXX
XXXX XXXX

ps.  I WOULD LIKE TO HAVE ALL STUDENT LOANS CONSOLIDATED REAL SOON/CAN I RETURN TO SCHOOL.
IS THE TRUMP ADMINISTRATION DISCHARGING XXXX  OFF STUDENT LOAN DEBT/WHEN?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: IL

Complaint narrative:
Sir or madam, To whom it might concern, I wouldreally appreciate if you would take to consideration my request in regard to resolving my debit card issued on XX/XX/20 witch is showing on my Unemployment statusprofile, witch I never receive. 
I tried to reachUnsuccessfully Key Bank during past 7 weeks over the Phone, total of about 20 hours. 
As a result I know that an unemployment representative sent an email regarding my missing card to KeyBank two weeks ago, I still have no response on this email. 
I tried to reach KeyBank on XXXX and they refered me to the link where I can not find any resolving solution, because I do not have my debit card in my possession, and also the phone number where I cant find any Success of connecting with a KeyBank representatives. 
I would really appreciate if you can help me get my debit cardmailed again. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I never applied for Auto Financing with the following companies : XXXX XXXX XXXX on XXXX ; Ally Financial on XXXX ; XXXX XXXX XXXX on XXXX, XXXX XXXX  XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX, XXXX  on XXXX, and XXXX XXXX XXXX on XXXX. 
I dealt with XXXX XXXX Dealership but they did not have my authorization to submit these credit inquiry applications on my behalf. 
By XXXX performing this type of conduct that I did not consent to this caused damage to my overall credit score from these hard inquiries.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I made a {$480.00} payment to PayPal in efforts to keep my account under 30 % utilization. On XX/XX/XXXX after the payment processed they immediately decreased my credit limit by {$500.00} making me go back to 100 % utilization. 
Calls to their customer service were a series of transfers and stating that nothing could be done. The reasons Stated is that there are too many revolving accounts with high balance and that is literally what I was trying to resolve and they are being counterproductive to that. The only reason I made such a large payment was that I intended to use this as an emergency card during the pandemic and now I lost {$500.00} for essentially no 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
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
In XXXX I lost my job, transportation went out on me and had a hardship that I couldn't recover. 

This debt and negative reporting every month from XXXX - XXXX has negatively affected my employment options.

Company response to consumer: Closed with explanation