vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/10 Applied for the loan online and got approved Called in to check for loan amount increase per pre approval i can get higher amount Rep hang up on me and cancel out my application without authorization Called back in and they will not reinstate the app - Instead they asked me to apply with a different email address which makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-03-10 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-10 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: TX

Complaint narrative:
I recently looked at my credit report and it shows I have two late payments showing on my credit report from XXXX. I am a current student at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called XXXX this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to XXXX from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
I recently looked at my credit report and it shows I have two late payments showing on my credit report from XXXX. I am a current student at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called XXXX this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to XXXX from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have 1 negative accounts reporting with Kohls Capital One. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
All of my student loans originated prior to the 10 years requirement of making payments prior to having my student loans forgiven. ( student loan time frame XXXX XXXX and XXXX XXXX ). During that timeframe, the requirement was to provide civil service work for approximately 5 years and your loans can be forgiven. 
In which I had accumulated over 8 years of civil service work : - Three years as a XXXX XXXX  ( XXXX XXXX prison XXXX XXXX ) - 1 year as a XXXX ( XXXX XXXX ) - 4 years in Non-profit work ( New Concept Self Development Center XXXX and XXXX XXXX of XXXX Wisconsin XXXX XXXX XXXX I inquired about the student loan forgiveness program and have even submitted a complaint through CFPB. 
CFPB complaint filed against student loan servicer ( Case number XXXX ) Filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX ( Ombudsman Case number XXXX ) regarding excessive interest being charged to my student loan balance. The final result was XX/XX/XXXX The XXXX XXXX XXXX  continued to extend forbearance offers A complaint with CFPB ( complaint ID XXXX ) filed on XX/XX/XXXX regarding dealing with Navient From XXXX XXXX XX/XX/XXXX, XXXX constant forbearance options offered and approved. Although I inquired about other student loan forgiveness options due to having 8 years of working in a public sector. 
In which I have now over XXXX in interest accumulated to my total student loan debt. 
Each request and material asked regarding student loan forgiveness programs were ignored or just declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms carpet and appliances very clean and spotless. 

Based on lease contract item 20 Cleaning, I had a professional cleaning for all Utilities appliances and carpet and leasing Office staff checked and very satisfied, so XXXX XXXX XXXX had no reason to charge a carpet {$70.00} and cleaning {$160.00} for me. 

XXXX XXXX XXXX was managed by XXXX. XXXX sold the debt {$210.00} to COLUMBIA DEBT RECOVERY LLC DBA Genesis I tried to contact with XXXX and XXXX XXXX XXXX, and Genesis through XXXX, but all they didnt respond. 

This is a invalid debt collection. I attached all documents related this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: WI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-03-10 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-03-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We purchased a XXXX XXXX XXXX trip and it was canceled due to Covid, booked another trip with the credit from the XXXX trip, and that was also canceled, then booked an XXXX cruise with the credit, due to sail on XX/XX/2022, and that was just canceled. The cruise line is now going out of business and the credit card company, Chase XXXX said it has been too long to get a credit back. The cruise never set sail yet and we received nothing for our money. What can we do? We are senior citizens living on a fixed income and this is a tremendous amount of money owed to us. Any kind of help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Collection Bureau of Hudson is reporting a fraud account on my credit. I didn't open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my Driver License. Please remove this account from my credit profile as the account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2022 my Chase banking account got restricted because of a check I deposited online for {$5000.00} from my father who passed away. The check was not counterfeit and there was no issue with it. I reached out to chase support team and got transferred to the restriction team, they had me verify the check through the check makers phone number. They got ahold of them and everything was verified. They proceeded to tell me that they could not unrestrict my account until my check cleared the next day. So the next day it cleared, I called back and they went through the process of verifying but this time saying the phone number didnt match, but it was the phone number on the check and the same phone number they called the previous day and verified with. Then by the end of the call they told me they made the decision to close my account and hung up. I called repeatedly and got the same response with no way to unrestrict my account. Ive had the maker of the check go into their own branch to verify it, Ive done everything I could. Now my account will close in 10 days and I have no access to my account or funds over something I have no control over. I wont be able to pay bills or for food for 10+ because my account is restricted for no reason. And the final call I made today on XX/XX/2022, they told me chase can close an account without having to give a reason. I have absolutely no idea what to do and now Im stressing and panicking over how Im going to pay for things when I havent done anything wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened up a case with the the Consumer Financial Protections Bureau case # ( XXXX ) Wells Fargo issued a provisional credit to my account on XX/XX/2022 and on XX/XX/2022 Wells Fargo withdrew this provisional credit without providing any warning and or proof of evidence regarding the case in question. I have received no notification that this was to take place or evidence showing why my claim was denied. 

I have requested proof that Wells Fargo was not directly responsible for defrauding me of my money in the 1st place. I was defrauded when Wells Fargo reached out to me asking me if I verified a charge. I answered no to this question, an got a phone call shortly their after and was asked the normal vetting questions and then asked by the Wells Fargo representative to secure my account from an active threat. Over {$3000.00} was stolen out of my account...

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 2022-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
My 2nd home mortgage for Citizens ( loan # XXXX ) matured on XX/XX/2022. The payoff amount of {$25000.00} is due in full and I am in able to pay it. I have requested advice and assistance on 6 -7 different phone calls to loss mitigation as well as loan refinancing departments. I have been told on 5 phone conversations that they would mail me a packet to fill out and they never have. I have also been told that my credit wouldnt be affected during this time, but it has. I have continued to make the monthly payments to Citizens and they keep returning them. I do not need payment assistance. I simply need for someone at Citizens to send my the information to fill out so I can modify this loan. So far I keep being transferred and hung up on and nobody seems to know what to do. Please help! 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/2020. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
XX/XX/2016 debt paid off through low income financial funding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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