vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: MD

Complaint narrative:
I have been a federal employee of the Internal Revenue Service from XX/XX/XXXX to the present ( 21 years ). I signed up for the public service loan forgiveness program in XXXX, filed my employee certifications annually, made 120 payments, submitted the PSLF loan forgiveness form in XXXX, and was denied PSLF. Subsequently, the servicer incorrectly required me to consolidate my loans in XXXX and failed to inform me that all of my PSLF pre-consolidation payments would be eliminated. The 120-payment count was restarted to XXXX, requiring me to pay another 120 payments. 

I applied for the PSLF Limited Waiver ( XXXX ) in XX/XX/XXXX and was told it would take months to review my account to get the XXXX. Seven months later, Fed loan finally reviewed my account and sent me PSLF qualifying updates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without updating my pre-consolidation payments before XXXX. I submitted another PSLF form in XX/XX/XXXX requesting my account to be reviewed for the XXXX giving credit for my pre-consolidation payments, and requesting a refund. In XX/XX/XXXX, I received another PSLF qualifying update, and once again, Fedloan failed to review and credit my account back to XXXX. 

I was not given credit back to XXXX, which is what should happen under the PSLF limited waiver. My loans are consolidated as required by the XXXX. All of my employee certifications from the IRS show my hire date as XX/XX/XXXX and show that I have been a continuous federal employee. My account should be the easiest type of account to review and have the proper credit issued back to XXXX. I am filing a complaint because my PSLF count is wrong. I should be given credit back to XXXX and a refund issued for overpayments with interest. 

I have contacted Fedloan servicing and filed a complaint with the DOE ombudsman but have received no response. The White House is forgiving all of these student loans but not living up to the promise of the limited waiver for people who have been lifetime federal employees. I have had 1 public service job for 21 years. Fed loan has reviewed my account not once but several times and still has not correctly counted my payments back to XXXX and issued me a refund for the overpayment with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: OK

Complaint narrative:
I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

Transunion is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times.

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 2022-08-29 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: OH

Complaint narrative:
I have contacted XXXX XXXX about a account that was opened in my name is now being reported on my credit reported they was supposed to take care of the issue I told them its not my ssn that this account is linked to but it is being reported on my credit report the account number showing on my credit report is ending in XXXX. I have talked to customer service and they bring the account up by four digits that is similar to my son but not my ssn and the say they can't give me any info

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a credit balance on my Macy 's credit account. This credit balance is shown on my XXXX statement. The following month on my XXXX statement, it shows that Macy 's charged off my credit balance. The is a message on my XXXX statement that acknowledges my credit balance and that I have four months to use the credit on my account. 

I contacted Macy 's Customer Service and they informed me that they charged interest on my XXXX balance account, therefore taking my credit balance. This is not legal nor true according to my statements. I can provide my statements if needed to resolve this matter. 

Taking my credit balance in 30 days is wrong and I would like to rectify this matter and refund my money. 

Thanks.

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 2022-08-29 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act CREDIT ACCEPTANCE CORPOR, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX Get more credit hacks tips from buying the masterclass ebook for {$12.00} limited time only hurry!! # creditscore # howto # favoriteXXXX # creditrepair # MasterClass # credit # Repost 5 Original audio J Try It 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 2022-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My bank, BOA, filed a dispute with my healthcare provider unbeknownst to me until I received a letter, all I wanted to do was STOP an auto payment for XXXX XXXX XXXX after they told me they do not provide healthcare to the new state I moved to. XXXX told me I to call my bank to do so. 
So BOA had put the amount of my premium, {$790.00} back into my account on XX/XX/2022, then when I called to say I didnt file a dispute they took it back out, on XX/XX/2022. 
Then on XX/XX/XXXX, BOA took out another {$790.00} for I dont know what? When I called they gave me the run around until I spoke with someone who agreed with me and said it should be back in my account with 48 hours, so a week later STILL nothing, and as of today XX/XX/XXXX, they transferred me around again and have kept me on hold for 45 minutes until they dropped the call, to say Im infuriated is an understatement! Plus XXXX STILL owes me my overpayment of {$790.00} for XXXX, which they said could take till XXXX to fix, WHY??????

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 2022-08-29 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm submitting this complaint without any influence fromany third party or agencies. Please see attached documents and ID as is contains my full complaint and request.

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 2022-08-29 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: IN

Complaint narrative:
The Credit bureaus XXXX, Equifax, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX IN  XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. 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 ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Credit bureaus Experian, XXXX, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX  IN XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. 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 ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.

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 2022-08-29 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: World Acceptance Corporation
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Macys/DSNB is not following the XXXX XXXX compliance guidelines. Comments made by the creditor does not indicate that the account was settled. In accordance to XXXX XXXX, the creditor has to indicate the first date of delinquency. The creditor does not include other XXXX XXXX information such as payment status. The creditor failed to correctly report credit information. According to FCRA, creditors are required by law to report information correctly. I have contacted this creditor several times regarding correctly reporting information and they will not comply with reporting information in accordance to FCRA and XXXX XXXX. Therefore, this account should be deleted from my credit report.

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Bank of America cashed the check without my endorsement as well. I called Bank of America informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.

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 2022-08-29 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: Esusu, Inc.
State: GA

Complaint narrative:
I checked my credit report and saw this company who I've never heard of nor had an account with. I tried to call no answer voicemail. So they said email or text I did both. I XXXX  them it's says it's a rental assistance program. I'm a XXXX  XXXX government assisted client and can apply for any other program. They said on the CR that high balance XXXX $ my rent has never been XXXX XXXX I've disputed with all 3 agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
CFPB + Berlin Wheeler + XXXX, On the attached letter dated XX/XX/2022 from Berlin Wheeler it clearly states they are requesting XXXX completely remove/withdraw the below tradeline from my XXXX credit report asap : XXXX : XXXX ( Client XXXX XXXX XXXX The letter states Berlin Wheeler has been requesting XXXX to XXXXemove/withdraw this and I have also submitted with XXXX to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - Berlin Wheelers latest letter dated XX/XX/2022 - my XX/XX/2022 XXXX credit report where it still shows its on my report XXXX, please have this removed/withdrawn as Berlin Wheeler has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: TX

Complaint narrative:
I was recently denied my right to shelter due to incorrect information being reported on my SAFERENT SOLUTIONS profile in which I was unaware that I had. I don't know how XXXX XXXX and SAFERENT SOLUTIONS obtained non public information and then furnished it without my consent.

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 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/22 I attempted to purchase tickets through a XXXX XXXX for sporting events. I was contacted by the actual group admin who said she had tickets. We agreed on a price of {$800.00} and I sent the money through XXXX using my Wells Fargo app. At that point the seller had my XXXX account information and said she was then sending the tickets. She then blocked me on XXXX and I never received the tickets. I filed a complaint with XXXX showing all the message conversations and the fact I sent her my XXXX account. I also provided information that showed no tickets had been sent to my account. They immediately closed the page down and banned the seller. I then contacted Wells Fargo and filed a complaint. I was told by two different employees that I would be able to receive my money back. I also asked them if they needed any proof of the conversation or from my XXXX account. I was told " no '' and if any info was needed I would be contacted. I reached back out to Wells Fargo on XX/XX/22 and they informed me my complaint was closed and they were not going to refund my money. They said they sent a request to the bank the transaction went to in order to recoup funds but no response was received. They also told me to reach out to the financial institution that the transaction was received. However they told me they did not have that banking information. I offered proof of the XXXX  messages as well as the XXXX information and they declined to receive it and told me to take that to Law Enforcement. At this point they are telling me I am out {$800.00} even though I had proof it was a scam.

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