vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT Collection Service whos address is XXXX XXXX XXXX, XXXX, MA XXXX is reporting a debt under my name XXXX XXXX XXXX that I have requested validation. I have not received this request and it continues to be reported to the credit bureaus under my name in the amount of {$510.00}. I called on XX/XX/20 to request validation of account and I have not received. I called on XX/XX/20 and they said they have requested it from original creditor. I am disputing the validity of the bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: MD

Complaint narrative:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY 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 2020-09-14 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: MD

Complaint narrative:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY 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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am being charged for an account that I didnt open or use. It is on my credit report as a derogatory account and it does not belong to me. It apparently is a cable or phone bill, I was not living at this address at this time. It was opened in my name or something

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I got a solicitation call with an offer to refinance from Freedom Mortgage loan rep XXXX XXXX on XX/XX/XXXX. I called back to act on the offer and was referred to XXXX XXXX who took the info and initiated the loan. Few days later I got a phone call to schedule the sign date with notary agent. That was the only time I was asked if I had any questions. We set and appointment on XX/XX/2020 at XXXX for notary agent to come to our home for us to sign new loan agreement. I was expecting closing disclosure prior the appointment to sign date on XX/XX/2020. We should had at least 3 days to review it and contact to ask questions. When didn't get our new agreement to review - I called and left several messages in period from XX/XX/XXXX and made last attempt to get any information about charges and fees during the appointment on XX/XX/XXXX, as the notary agent brought 2 copies of the loan agreement with her. None of those calls were returned and I made more then 2 dozen of them and left notes and messages to 10 different people. 
In the new loan agreement we've got from notary agent our loan amount was increased by {$2800.00}, there were fees that were not spelled clearly and their amount was different from {$690.00} that we were informed by. Our closing disclosure had XXXX XXXX XXXX as a contact, we never spoke to that person either. 
XX/XX/XXXX I got an e-mail from XXXX XXXX ( Escalations Team Agent ph # XXXX ) with an offer to give her a call. I tried to call, left several voice messages, replied to e-mail but got no rely or call back. I also sent a copy of that e-mail to her supervisor XXXX XXXX and left him voice messages several times ( on XX/XX/XXXX and XXXX ) with the same result. My last communication attempt was XX/XX/2020. That is 3 months of me calling Freedom Mortgage and them not returning my calls.

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 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I settled out this debt and it is still reporting as I owe. I have disputed several times and requested them to update with NOTHING being done. 

THD/CBNA XXXX {$3800.00} balance

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 2020-09-14 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: MD

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple Card/Goldman Sachs ( AC/GS ) has failed to process valid transactions on my card, and has failed to honor commitments they made to respond to formal complaints, that I filed with a service agent. The root problem is that AC/GS declined ( for suspected fraud ) a {$100.00} purchase on {$20000.00} credit limit, did not contact me, and was unreachable for nearly 3 hours. 

At XXXX on XXXX XXXX I attempted to make an in-person {$100.00} purchase with my Apple Card via digital wallet. The merchant told me the transaction was declined. I tried two more times with the same result. The advertised process is that AC/GS will send me an electronic notification to my phone and and email, regarding declined transactions ; I received neither. I tried to contact AC/GS via in-app " chat '' and was told it would be 100 minutes before someone could respond ( transcript attached ). I called on the phone and was told it would be 160 minutes before I could speak with an agent. Eventually I received phone call from AC/GS agent " XXXX '' or " XXXX ''? He indicated that the transaction seemed suspicious and was blocked as suspected fraud. After a very long discussion, he took two complaints, and told me I could expect a response in 48 hours. That was 12 days ago. 

On XXXX XXXX I contacted AC/GS via chat for status of these complaints. AC/GS responded " we are unable to access customer information at this time. '' How is this even possible? On XXXX XXXX, a chat agent told me they couldn't provide any update on my complaints. ( transcript attached ) Apple Card 's Terms and Agreement ( attached ) include provisions to use electronic communications, including email and on-device notifications. These services appear to be unreliable. This could put me and other cardholders at risk : is AC/GS is not sending the notifications? Are notifications not being delivered? Or are they delivered to someone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: MD

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY 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 2020-09-14 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: MD

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY 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 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is located XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company has obtained my personal information without my legal consent. I sent a letter requesting PORTFOLIO RECOVERY to provide related documents like, details pertaining the furnishers, proof of documents bearing my signature between Portfolio Recovery and myself. what was the amount paid for this debt? Is Porfolio Recovery licensed to collect in the state of Texas. I am requesting information in connection with my total indebtedness to this alleged debt. please investigate this company.Due to this company 's unethical practices it has cause damage to my credit report and credit worthiness to sustain a living. I am demanding to delete and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: DISCOVER BANK
State: GA

Complaint narrative:
Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a XXXX. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now  asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a kays. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
Ordered my TN unemployment card XX/XX/2020 and still havent received it in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong and Associates, Inc
State: AL

Complaint narrative:
I was an XXXX in the care and custody of the XXXX County XXXX XXXX. Transported to hospital XXXX City Police Dept. to XXXX XXXX. Refused treatment at said hospital for XXXX XXXX wound. Was informed I had no choice. Did not give consent to treatment not release of records. Had no knowledge nor seen documents attached. Did not sign promissory note nor was I informed or give a copy of said documents by XXXX XXXX. My only knowledge of this debt was when it was reported XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was charged late fees for the month of XXXX and XXXX however the bills for XXXX and XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: PA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Equifax that XXXX ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per XXXX 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, XXXX, reports they show XXXX late entries and have no idea why Equifax report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: AL

Complaint narrative:
This is not a duplicate complaint. This is a new complaint about the same card company. Way2Go prepaid card for AL unemployment.

I filed a very detailed complaint against Way2Go on XX/XX/20. The complaint # is XXXX. Way2Go replied the next day and the complaint was closed. Absolutely nothing was  resolved! On Thursday, XX/XX/20 XXXX the advocate from Way2Go said he tried calling me twice and sent an email and he would try to call me 2 more times. This is not true! XXXX called me Thursday at XXXX and left a voicemail. I returned his call within the hour. That is the one and only time he called me. He also emailed me at XXXX. I tried to reply to his email at XXXX. I received an automatic reply with an error message. He did not leave a direct email address. 
My new complaint is that Way2Gos reply to CFPB is not true. I do not think the complaint should have been closed. They only tried calling 1 time and sent 1 email that cant receive a reply. 
XXXX left his his call back # XXXX. It rings 1 time and goes straight to voicemail. I called a left several messages on Friday  XX/XX/20, another message on Saturday and I have already left a new voicemail today Monday XX/XX/20. 
Any help is appreciated!! My AL unemployment benefits were deposited to Way2Go card company on XX/XX/20 I was told on XX/XX/20 that a card was being expedited 3 day XXXX. After calling for days, staying on hold for hours, being hung up on and speaking to several different customer service reps who all told a different story on why they could not provide me with a XXXX tracking # ... I was finally told that they did not send the card XXXX it went out in the reg mail. My utilities are being disconnected, my car is being repossessed and I have the funds to pay but can not because I do not have the Way2Go card! 
It is very frustrating to be so desperate to have to file a complaint against the card company w/ CFPB and Way2Go reply the very next day like they are trying to contact me and help. That is an insult when the truth is they tried 1 time and closed the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I have called to see how can I target my payments to specific loans so that I can pay them off using the snow-ball effect. I spoke with one of the representatives and she explained in detail how to exactly depict the information on the money orders so that the payments could be targeted to certain loan sequence numbers. I did exactly that and STILL, whomever processes the payments, doesn't look at the annotation on the memo portion of the money order and applies the funds towards ALL of the loans. I have called numerous times to get them to change how they allocated the funds and STILL it has not occurred after being told that it takes 7 business days to get this changed. Here we are a month later, and STILL the payment hasn't been changed to target the one I wanted. This last time, I sent the payment with a written piece of paper of how I wanted the funds allocated on top of writing it in the memo portion as instructed. I checked a few minutes ago, and STILL they allocated the funds the way they wanted to against what I wanted. How am I going to see my loans paid off when they do what they want to instead of doing what I am instructing them to do? At this rate, I will NEVER get my loans paid off. PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I called Navy Federal Credit Union twice and sent them a written message as well on XX/XX/2020 regarding the Balance Transfer Interest Charges on my credit card account which I believe should be removed as the contract they had sent me with the card did not mention a 30-day requirement for balance transfers. The bank is claiming that the 30-day requirement was mentioned in the application, but whether that is true or not, it should not be relevant as they have mislead me by sending me a contract with the actual card that does not mention the 30-day requirement. I read the contract closely before using the card and if I had seen such a requirement, I would not have used the card for balance transfers. Attached please see the contract that came with the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation