vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2021 I got direct deposit routing number from chat online from the bank. It was the wrong routing number. Corrected it XX/XX/2021 with the bank and payroll of my job by phone. I have been in contact with my payroll and the bank almost 2 and half weeks. Now receiving a new deposit. Yesterday {$500.00} hit my account I am due another deposit of {$500.00} as we have entered into a new pay period. This is a problem because this is must use system and it does not correct it self effectively. I am being told inconsistent things and the bank gain the interest on the funds delayed. I dont I am late paying my rent and bills. I have enough to figure out on my own. This system is a hinderance if I had gotten paid on Friday by paper check then I could distribute my own funds without a third party or routing number. Please help me get my funds so I can pay rent the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit has posted a {$1000.00} debt on my credit report. I have requested validation a number of times. Most recently in XXXX of 2021. Their failure to respond indicates to me that they can not validate this debt and/or it must be a result of ID theft. I am requesting it be removed from my credit report immediately. I have attached the request to this complaint with includes the tracking number to established when it was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an auto loan with Ally Financial. I will be returning the vehicle to them under voluntary repossession. I notified Ally in writing of this and also notified them that I was revoking their right to make contact with me vial phone or text. This revocation was done in writing as directed by the Fair Debt Collection Practices Act, and was sent via USPS registered mail with signature required and a return receipt. Ally signed for the letter on XX/XX/XXXX. Since then I have received eight additional calls from Ally, attempting to collect this debt. I have contacted them and told them of the letter and that they had received it and signed for it and not to call me again, to communicate with me via written letter. They have ignored the revocation.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/XXXX, I reached out to FedLoans to file a balance dispute because the balance on my consolidated loans seem incorrect due to the fact that i did not borrow the amounts stated. My son was in school in XXXX in Colorado ( $ XXXX ) then he came home to attend a XXXX  college from XXXX ( $ XXXX XXXX. the amounts that FedLoan has me owing is ( $ XXXX ). I assume they are including my loans when i was in school from XXXX. I have not been in school since XXXX and those loans should not be included in this amount. I have tried to get them to review the balances again because I'm getting denied Fed Aid for my daughter who will be attending college next year. 
PLEASE PLEASE PLEASE HELP ME/US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts : XXXX XXXX XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted Transunion about reporting these items on my credit report and they were vague and dismissive.

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 2021-07-09 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: NC

Complaint narrative:
I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX Account # : XXXX -- XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
this debt owed was a part of litigation that was resolved in XXXX with all monies owed to XXXX XXXX being resolved in a settlement. Further the debt was from XXXX but Portfolio associates has updated the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NC

Complaint narrative:
I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX

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 2021-07-09 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 no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX

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 2021-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I previously submitted a complaint and it was answered XX/XX/2021. LoanCare told me they approved a Partial Claim after my Forbearance and the amount that I paid to bring my account current would be applied to future payments. They never told me how much the Partial Claim was approved for and when my next payment would be due. My account online is not up to date and they are not responding to my emails or phone calls. They have responded once by sending me my account history, which is incorrect and does not mention what my Partial Claim was for. 

I need to know how much the Partial Claim was approved for and when I need to start paying my monthly payments again. 

Thank you! 
XXXX XXXX

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 2021-07-09 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:
THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have paid off my credit card balance and closed my Home Depot credit card. I still receive emails claiming that there is a balance due. I have resolved this issue with customer service several times, and each time I am assured that the account is closed and there is no balance due. However, the following month, I receive another notification that there is a balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
this complaint is against XXXX XXXX ceo of apple and his company, apple. 
i purchased with 2 credit cards an iphone at an apple store.the phone is beset with problems, doesn't ring when called and changes typed text messages in both english and XXXX and changes many of the words typed into other unintelligible words and makes the messages either extemely confusing or worse yet they can not be understood by the receiver. 
i took this problem to the apple store where i had purchased the phone from the store manager ... the clerk " helped '' me putting out a minute of time and expertise with instructions that i carried out in front of her.she said both problems were fixed, i said thankyou and left.the situation was unchanged.i decided to return the phone and activate my broken screen, XXXX XXXX phone, that the only thing wrong with it was a broken screen from me dropping it on concrete ... .however it still worked. 
after the XXXX  store to activate and deactivate, i went to the apple store to return the phone.they accepted the phone, erased everything on i, t and gave me the two slips that are attached ... .they said " everythings done '', i said thanks and left ... that was in business hours before XXXX yesterday XXXX XXXX 
today, there is no indication of a credit transaction pending on either credit card for the refund of credit..they have my phone and i have nothing except the slips of paper for a refund of the XXXX made junk product that violates all of california 's implied XXXX law regarding this disheartening transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
this debt owed was a part of litigation that was resolved in XXXX with all monies owed to Capital One being resolved in a settlement. Further the debt was from XXXX but XXXX XXXX has updated the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2021-07-09 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: FL

Complaint narrative:
THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
Approximately 7 years ago, I was the victim of an XXXX XXXX. My driver 's license, social security card, check books, debit cards, credit cards and many other items were stolen from me. Since then, I have had numerous problems and errors on my credit report. A multitude of accounts have shown up, some removed easily and some still lingering. I also learned that a lady named XXXX XXXX XXXX, that apparently has my same DOB has accounts on my credit report as well. She has a terrible driving record, criminal record and civil records that pull up when I am in question. This has been a series of unfortunate events and a HUGE headache, to say the least. XXXX XXXX XXXX does not and has never lived in Alabama. I have never lived outside of Alabama. However, when I attempt to get different coverage for my vehicles, I have a hard time due to her issues. There are collections accounts on my credit report that belong to her, as well as, apartment rentals in different states that she has defaulted on. I have contacted all 3 credit bureaus and placed freezes, locks and alerts on my report but something always pops up each year I check. Please help me correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber are reporting a fraudulent account that doesnt belong to me on my credit report. I didnt open this account nor did I authorize anyone to open this account using my personal information. Please note the attached FTC report and remove this account from my credit profile.

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 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Beginning on or about XX/XX/2020, my mortgage was in forbearance strictly due to COVID relief efforts. I called several times to find out how this mortgage would be resolved at the end of forbearance, and I was told I would not accrue interest or negative credit reports, and I would not be penalized for requesting the relief during the pandemic. I was told I would be given options to resolve the forbearance, one which would be a loan modification. 
When the forbearance was granted, my balance was at about XXXX. When I called the institution to start repayment, instead of modifying the loan, the institution applied an approximate additional XXXX to the loan and said it will be due as a balloon payment. That is essentially a 10 % penalty, and the institution would not provide further explanation or show their work as to why I owe an extra XXXX because I required assistance during the pandemic. This is outright abuse and predatory in nature.

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX  Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.

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 2021-07-09 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: PA

Complaint narrative:
DP OF EDUC Account # : XXXX | XX/XX/XXXXAccount # : XXXX | XX/XX/XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.

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 2021-07-09 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: GA

Complaint narrative:
I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: IN

Complaint narrative:
I have qualified for the Public Loan Forgiveness in XX/XX/XXXX and applied for forgiveness. I realized I didn't use their " help tool '' and my application was 'in review ' and has been in review since XX/XX/XXXX. I finally used the Help TooXXXX and submitted my application in XX/XX/XXXX and within 2 days, my payment counts were updated for the month of XXXX. They did not count any of the months from XXXX - XXXX due to my original application being 'in review. ' I have filed a complaint through Studentaid.gov and was told multiple times that my case would be expedited since I am over the 120 months, however, I spoke to someone today in the escalated department through Fedloan and was told there is no timeline. I have had the same employer since XX/XX/XXXX, have certified my employer annually and have never used the HelpTool prior and have NEVER had to wait over two months to update my account. Please help regarding this matter. I have been waiting for this moment since XXXX when I learned of the program and it should NOT BE THIS HARD. Thank goodness I do my research and advocate for myself regarding Fedloan and the Public Loan Forgiveness. I feel terrible for those that have no idea what they are doing regarding this and assume that this will not be as complicated as it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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:
I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX

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 2021-07-09 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:
I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX

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