vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
On XX/XX/22 I mailed a check for {$240.00} to pentagon federal credit union as payment to my credit card, their penfed defender visa. Later that month I checked my statement and saw the payment was never applied. I checked with my bank who informed the check had posted. 
I called pentagon Federal credit union and was advised to upload a copy of the check, front and back, which I did XX/XX/22. Since that time I have contacted XXXX XXXX  credit union no less than 8-10 times wondering why they have not applied my payment... the back of the check clearly shows that XXXX cashed/rec 'd these funds XX/XX/22. 
Each time I call I am given a runaround ... '' the appropriate dept is working on it '' ... '' the missing check has to be physically located before actual payment is made '' ... .and just 8 days ago.. '' Card relations is no longer the dept working on your case, but now our credit union recon team '' . 
No one there sends me a confirmation email with the info discussed after my calls as requested, or an XXXX as to how long I am expected to wait before they apply payment. All the while they have been charging me fees and interest on the disputed amt. 
As I have explained to them multiple times ... my financial institution has made payment to XXXX and they have rec 'd those funds and not applied to my CC acct. The fact they have a problem losing the paper check ( s ) is not my concern. 
It has been over 2 months now and there appears no resolution in sight... I guess XXXX just intends to keep my {$240.00} they've rec 'd and do nothing...

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 2023-01-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter out on XXXX XXXX to XXXX and Equifax about a XXXX collection accounts which is XXXX XXXX XXXX and diversified adjustment However the credit bureaus sald they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S, Code 6 1681a - Definitions ; rules of construction. 
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 
I would like to know who did they talk to. 
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov so that others can learn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System, phone number ( XXXX ) is the creditor for XXXX XXXXXXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX -- This is reported on my credit report as negative in XXXX of 2020. This is fraud. I have never been to Georgia and therefore never stayed at some apartments. I have tried disputing this multiple times. My purse was stolen along with all my information 3 plus years ago and this is obviously a result. I have had to pay for XXXX ( credit monitoring ) to try and keep my credit info blocked which has helped but sometimes on my reports their will be people in XXXX TX as well that are using my SSN number at their apartments. I just want to get this off my credit report because it is not ME. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays Bank sold my credit card account to XXXX XXXX Bank in XXXX, XXXX. I made two payments to Barclays via XXXX XXXX XXXXXXXX electronic payments from my bank account in XXXX, XXXX  and Barclays for 7 months told me and XXXX they never recieved the payments. I sent each Bank copies of XXXX  XXXX XXXX XXXX Letters proving payment. Finally Barclays in XXXX, 2022 through thier Settlement Department admitted to me and XXXX that they transmitted electronically the payments to XXXX back in XXXX, XXXX  through thier Trailing Payment System and stated dates. 
In XXXX, XXXX  Comenity, in a conference call with me and Barclays, was to follow up with Barclays and together locate the funds. Comenity on XXXX notified me that they did not recieve the funds from Barclays and asked me to contact my Bank to review submission of payments. Barclays would not provide me with written evidence that they transmitted the funds, on my behalf to XXXX. 
One of these two banks has my payments and after dozens of emails and phone calls and letters, I am at a loss as to how to recover my payments or get credit. Each Bank points the finger at the other and all I get is a run around.

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 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc.
State: TN

Complaint narrative:
On XX/XX/2023, I received an email from my credit monitoring service that Global Asset Agency has flagged my credit report with a collection for {$2500.00}. This was odd to me because I didn't receive any correspondence from this company. The only notification that I received, was the alert from my credit monitoring service informing of the collections being reported. On XXXX XXXX, I expressed mailed a dispute, validation and request for removal letter to Global Asset Agency to the address showing on my credit report ( USPS tracking # XXXX ). Global Asset Agency received the letter on XX/XX/2023. As of today, I still haven't received any correspondence or any other form of communication from the company. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I consolidated my student loans and once my loans completely processed and posted on Mohela website I turned in my PSLF form as directed on XX/XX/2022. I then got notification from Mohela that my form had been processed. I go to look and noticed that nothing had been process as it had XXXX counts. I called Mohela on XX/XX/2022 of which the rep advised me for some reason the system overlooked my application and did not process it so she was resubmitting for processing again and it would take 90 days. I go to call for Status in mid XXXX to check status only to find that they still have not fully processed and that the temporary waiver had yet been applied I spoke with a supervisor after waiting on hold for 5 hours and she assured me that my account would be resolved by XX/XX/2022. I then go to check status on my online account with Mohela only to see that they had marked my form as duplicate even though they never fully processed the original one that was filed. I called again to Mohela and spoke with a rep who looked up my account and stated that it has not got processed and she has never seen this before. The temporary waiver nor have the regular pslf been fully applied. She advised that she will resubmit again for processing but also advised me to do a reconsideration request as this keep; happening. I am frusterated, depressed by this, no out come no resolve, I have tried all the normal procedures on reaching out to Mohela and nobody is working to resolve my issue and properly apply the temporary waiver for the pslf form. They have none of my regular forbearance, Covid Payments forbearance and all my payments when I was in repayment. I also contacted them on messages in the portal XX/XX/2022 and they sent a blank response 3 months later, please please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I received a {$50.00} and {$25.00} prepaid visa card for attending a timeshare presentation in XX/XX/XXXX. I went to used the card and I noticed they expired XX/XX/XXXX. I called the telephone number on XX/XX/XXXX to report that these cards were never activated or registered. The representative XXXX stated the balance was forfeited because it was not used by the expiration date. The card account information is MyPrepaidCenter.com XXXX, the company that manages the card is Blackhawk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I have had multiple incidents over the last year to where I was consistently given inaccurate information concerning the status of my account which has contributed to my account falling behind. I was approved for XXXX XXXX for a lump sum payment back on XX/XX/XXXX and also approved for an additional XXXX XXXX  starting XX/XX/XXXX. I was told that XXXX was covered and partially of XXXX and the rest was put into a repayment plan which brought my current mortgage of XXXX to XXXX. I called in a few days ago and was told that since XXXX XXXX sent in XXXX that I only owed XXXX. I just received an abrasive call today from XXXX XXXX as well as the XXXX XXXX who was also abrasive ) saying that the repayment plan started in XXXX and a repayment plan letter was sent out, in which it wasnt. Instead I got a threatening letter saying that I owed roughly {$5000.00} which is inaccurate. I called concerning the letter and she said that I shouldnt have gotten that letter and that I would continue to receive only the letters stating that a late fee was assessed since I was on a repayment plan. There was no mention of a repayment letter being sent out until today. XXXX also mentioned in a threatening way that this repayment plan had failed and although she could restructure the plan that if I failed again then I wouldnt be eligible for a repayment plan again. In my experience since Covid, this company is purposefully giving out inconsistent and inaccurate information to purposely make me default. 

I plan on filing a lawsuit and any assistance would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered into a contract to purchase a XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX in XXXX, TX. Despite my contractual obligations and fully executed agreement, XXXXXXXX XXXX XXXXXXXX falsely represented to me and vehicle has been sold to another party. We were in contact with XXXX XXXX XXXX from the dealership who could not give us a direct answer regarding the status of the vehicle. He simply stated, they did not know where it was nor could he provide an estimate of when it would arrive to the dealership. I was made aware today that the vehicle was, in fact, sold to another couple already. 

This false representation constitutes consumer fraud and deceptive practices in violation of the Texas Deceptive Trade Practices Act. XXXXXXXX XXXX XXXXXXXX XXXX actions have caused me significant financial and emotional damages. 
I demand that your office take immediate action to investigate this matter and hold XXXXXXXX XXXX XXXXXXXX accountable for their illegal conduct. I am willing to cooperate fully with your investigation and am prepared to take legal action if necessary to seek justice for this deceitful and dishonest business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The account was placed with our office by creditor XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Creditor retains ownership of the account. This is not a purchased account, the creditor retains ownership. The account was placed with our office for the purpose of collecting. On XX/XX/XXXX our office mailed validation to the consumer to the address on this Complaint. Validation included the Statement of Deposit and signed Lease. The consumer states she does not owe, but does not give any explanation as to why. Without further explanation, the account will continue to report and will not be returned to the creditor. This is the response by XXXX. 

I see that on XX/XX/XXXX XXXX got sued due to " ailing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate ''. 

This company stated on a recorded line on XX/XX/XXXX that this debt have not been validate but yet in XXXX they said it was validated. I spoke to a representative named XXXX in the collections debt. 

This is an assumption that this debt is mines and no validation and verification have been taken place. This should have been before defaming my character and violating my rights.

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 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I accepted an agreement with Chase for mortgage assistance back on XX/XX/XXXX in which I would pay {$100.00} per month for XXXX XXXX The program ended on XX/XX/XXXX. When I called to make a payment on XX/XX/XXXX, I was told to make another payment of {$100.00}. I did that. Later in XXXX I filed for additional mortgage assistance with Chase. In XXXX of XXXX, I was told that I was turned down for additional mortgage assistance. I am now working to pay the balance owed after the first mortgage assistance expired. However, on XX/XX/XXXX, Chase sent a delinquency notice to the credit bureaus stating that I missed my payment for XXXX. That is not correct. I am current through XXXX and am working to be current for XXXX as well. I have contacted Chase about this and they refuse to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Credit Karma, LLC
State: MD

Complaint narrative:
XXXX XXXX wrongfully used my credit score and boosted it higher. They also have a bank account feature I signed up for that hit my credit score. I receive emails and text from 3rd party lenders from credit karma that I havent signed up for. The mobile app will state high approval odds for cards to get me to sign up and which would then further decrease my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-17 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: VA

Complaint narrative:
In accordance the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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