vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
i lost my credit card overseas i reported to citibank as the card was lost someone used my card when i report to citibank i have very bad communication with customer service i missed to report one charge for XXXX they denied my case for that charge i miss reported i have been in contact with them more then 30 times plus i send them letter explain what happened i'm not getting anything from them please i need your help with this matter

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 2021-10-28 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: MI

Complaint narrative:
These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts XXXX included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.

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 2021-10-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute with Experian and XXXX regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter  XXXX on both XXXX and Experian. Its been well over 30 days and I haven't received results from investigation. Both XXXX and Experian have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.

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 2021-10-28 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 am requesting action to correct a mistake made on the part of FedLoan Servicing regarding my student loans. It is delaying my qualification for loan forgiveness and thus costing me 5 months of extra payments that I should not be responsible for. 

As you may know, the PSLF ( Public Service Loan Forgiveness ) program provides a path to forgiveness of remaining loan balance after 120 payments made while working full time in nonprofit, government or military. 

Between XX/XX/XXXX and XX/XX/XXXX, while working full time in nonprofit, I made full monthly payments towards my Federal Direct Loans. These 5 payments were made while my loans were serviced by a different servicer, XXXX XXXX. The loan was transferred to FedLoan Servicing in XXXX. XXXX XXXX no longer keeps records after this transfer. 

According to FedLoan, these payments do not counted towards the total 120 payments simply because it occurred prior to the transfer and they have yet to verify. I disagree as these payments were made with all stipulations of the program satisfied. They should be counted towards my total of 120. 

Over one year ago, I called to request a manual recount. The recount has not been completed. I called FedLoan Ombudsman today ( XX/XX/XXXX ) to get an update and was told there is no estimate time as to when this can be completed. The agent, XXXX XXXX did not provide any assurance that it would be done in a timely manner, or that it would be done at all. She did not offer to transfer me to someone who might be able to help. 
I am down to my last few payments of the 120 total, I do not have much time left to get this done and thus I am requesting your help. 

In the attachment, the circled payments are those pending review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient XXXX XXXX XXXX XXXX PA XXXX is the lender.. XXXX they are calling 5 to 6 times a day. " robocalling '' my work phone. 

I've asked them to stop but the calls continue... Even being paid up, it's now stop..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a promotional email from Chase entitled Tap and Pay 3X to receive XXXX bonus points. No enrollment necessary, I used my card in accordance with the offer which stated the points would 6-8 weeks to post to my account. On XX/XX/XXXX I contacted Chase customer service to report that I had made 3 transactions in accordance with the offer from XXXX to XX/XX/XXXX, yet no points posted. XXXX, XXXX researched my account and confirmed those transactions. The issue was escalated, # XXXX on XX/XX/XXXX. I called XX/XX/XXXX to follow up and account manager, XXXX, said a letter was sent to my home address on XX/XX/XXXX and that the points would take another 8-10 weeks to post from XX/XX/XXXX. I believe those points should be posted immediately since I fulfilled my end of this offer on XX/XX/XXXX, not fromXXXX when the issued was investigated and determined to be Chases error. I asked for immediate points but denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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:
THE INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NC

Complaint narrative:
Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs my FTC identity theft report as well as the North Carolina Attorney General. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX accounts XXXX XXXX University accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I AM WRITING IN REGARDS TO CREDIT CONTROL LLC WHO IS ATTEMPTING TO COLLECT A UNKNOWN DEBT OF {$760.00} AND CONTINUALLY HARRASS ME VIA MAIL AND CALLS, CREDIT CONTROL LLC HAS BROKEN MULTIPLE FDCPA LAWS WHICH I WILL ATTACH.CREDIT CONTROL LLC HAS CONTACTED ME VIA MAIL ON XXXX I AM SEEKING {$13000.00} WORTH OF VIOLATIONS PURSUTANT 15 USC 1692k I HAVE 13 FDCPA VIOLATIONS.

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 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
SLS account records previously submitted in a response to my CFPB complaints of Spring and Summer XXXX, shows 90 % of the direct mortgage payments I submitted to the agency went into unapplied funds. 

SLS has a history of treating me, a XXXX, single, XXXX nurse and veteran with contempt. Indeed, I have suffered from XXXX verbal abuse and a consistent pattern of structural racism making homeownership difficult for myself as a XXXX women.Yet the current intentional misapplication and theft of my {$850.00} partial mortgage payment from XXXX of XXXX, is another illustration of how this company persists in stealing from hardworking homeowners. 

Specialized Loan Servicing took my XXXX, XXXX partial mortgage payment and applied it to the principal without my knowledge, intention or permission. 

Attached is a document from SLS showing that a payment of {$850.00} was made to principal and interest, although {$790.00} of this was from a partial mortgage payment made in XX/XX/XXXX. Bank statement enclosed with transaction.

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 2021-10-28 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: FL

Complaint narrative:
THE INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION

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 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX of this year I became a victim of XXXX  XXXX and subsequently was fired for that reason from my job. My physical and mental health began deteriorating and I was diagnosed with a XXXX. 
I have a credit card with a {$2500.00} limit and an APR at 25 %. I have had this card for almost 2 years and have great payment history. It is the only credit card that I have. I Called before I even went over my limit and explained to the representative that I Was suffering from a financial hardship, I had no income, and I had just been Diagnose with the XXXX. 
The American with disability act requires requires lenders to offer disabled customers with a reasonable Accommodation if ever they are in a situation where they are suffering a financial hardship. 
I was offered nothing. 
The interest kept growing and I spoke to them a few more times times and the only options they gave me all required the card being closed which is the last thing that I wanted to have happen. The only reason I ever had this card was specifically to make payments on time and build my credit. Within 3 months of that 1st phone call And me doing my due diligence to keep in contact with them throughout the entire 90 days before they closed my account the card has been closed and my credit score has been destroyed. I just got off the phone with a representative from Chase and she said that before they close an account they offer deferment payments or some type of payment plan. I was offered neither. I am currently in the process of getting evicted and I have been applying for homes the last 2 months but unable to rent anything because my credit score is so low. This has been incredibly stressful on me and a huge factor as to why I will likely be homeless in the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc.
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUES WITH BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INGO MONEY INC SO ASLO I CAN EXPLAIN MORE DETAILS ABOUT THE PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THE BUSINESS FINANCIAL COMPANY OFFER CHECK CASHING SERVICES FOR SMALL FEE OF FIVE DOLLARS PROCESSING FEE SO THE MAIN PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THEY HAVE CLOSE MY ACCOUNT AGAIN THAT I CURRENT PROCESS CASH PAYROLL CHECK THREW THIS MY SECOND TIME IN ROW HAVING DELAY PROBLEM ISSUES WITH CHECK SO I RECIEVE XXXX DOLLARS CHECK IN THE MAIL TODAY AND AFTER I FIRST RECIEVE THE CHECK I READ OVER THE CHECK I SIGN BACK OF THE CHECK ENCLOSE AND WENT TRY TO CASH DEPOSIT ITS INTO MY INGO MONEY APP ACCOUNT & THE ERROR MESSAGE IM GETTING FROM  MY INGO MONEY APP ACCOUNT ITS SAY MY ACCOUNT HAS BEEN PUT ON HOLD AGAIN AND THEY DID NOT CONTACT ME BY MAIL ARE EMAIL ARE BY PHONE TO LET ME KNOW MY ACCOUNT HAS BEEN CLOSE AGAIN SO THIS PROBLEM ISSUES HAS CAUSE VERY HARDSHIP TIME WITH THE BUSINESS AND CONSUMER CUSTOMER SO IM THINKING WHY THEY KEEP FREEZE MY INGO MONEY ACCOUNT ON HOLD INGO MONEY CUSTOMER SERVICES PHONE NUMBER XXXX  INGO MONEY INC EMAIL ADDRESS XXXX unapproved check purchase amount CHECK TRANSACTION PURCHASE AMOUNT DID NOT GO THREW WITH THEM FUNDS DID NOT CLEAR INTO AMERICAN EXPRESS PREPAID BLUEBIRD CARD ACCOUNT SO INGO MONEY INC ARE NOT GOOD COMPANY TO DO BUSINESS WITH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
This was a phone bill owed by a dry cleaning store that is now out of business. This was never a personal account. I have noticed XXXX on three separate occasions and they refuse to do anything about 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 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute with XXXX and Transunion regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter XXXX on both TransUnion and XXXX. Its been well over 30 days and I haven't received results from investigation. Both Transunion and XXXX have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.

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 2021-10-28 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: MI

Complaint narrative:
These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.

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 2021-10-28 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: MI

Complaint narrative:
These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Synovus Bank
State: WA

Complaint narrative:
I opened a First Progress XXXX  credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from First Progress Card since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX First Progress was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to First Progress Card.

Company response to consumer: Closed with explanation