vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Accounts on my credit profile that wasn't open and used by me. My credit identity was stolen and used. I need these accounts deleted 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 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged a late fee because the credit card company stated I was an hour late paying my bill. They said I needed to pay by XXXX XXXX- I live on the XXXX XXXX XXXX I have never had to pay a bill by a certain time of day. Payments are required by a certain date- in my experience, ending at XXXX  ( local time ) based on my location. When I called to have the fee waived they refused to even discuss it saying I had to pay by the time they stated regardless of where I lived. They also said they already waived a fee for me in XXXX but I have not had the card that long. I believe this is an attempt to fraudulently collect fees and take advantage of senior citizens ; I am over XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AR

Complaint narrative:
My complaint is with American Education Services ( AES ) I have had multiple issues with this company for many years including when going through hardship. With the exception of 3 months during Covid, they did not offer assistance in getting making payment assistance and harassed myself and XXXX XXXX XXXX grandmother with multiple calls a day. My most recent complaint involves a payment. I called AES at around XXXX XXXX  XXXX on XX/XX/2022 at the number : XXXX to make a debit card payment in the amount of {$190.00}. The payment was accepted, but I did not receive a confirmation number. On XX/XX/XXXX, I noticed that my payment had not posted to my online account. However, my bank statement showed the payment processed and debited from my bank account on XX/XX/2022. I sent an email through online portal and called to find out why. From that point I made phone calls to AES on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to resolve the matter. I was told that my payment was pending, that my payment was sent to FED Loans ( without my consent ) by accident but they were working on applying it to my AES, that they could not apply it to my AES and it would be refunded. On XX/XX/XXXX, the representative told me it should be refunded to me within 2-3 weeks. My last call on XX/XX/XXXX, I was told that they ( AES ) couldn't do anything further and that I need to call FED LOANS to have a refund processed. I called FED LOANS who attempted a refund two times and was told within 2 weeks to my payment source ( debit card ). I noticed that on XX/XX/XXXX, the loan was credited to FED LOANS on my credit report. I do not believe any attempt has been made to resolve my problem nearly 2 months later. I'm nervous about continuing payments out of fear that my funds will continue to be mishandled. However, I know that not making an attempt will hurt credit rating and put me at risk for default. I feel like this is a means to keep capitalizing on the interest on my payments. I'm attaching a screen shot of the payment debited from my checking account and call log. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Transworld Systems Inc. ( Company ) Company falsely accused me of owing a debt.

Company falsely accused me of being a member of their services in 2019 ( resulting in false debt ).

Company fraudulently sent a bill to collections.

Company fraudulently ( claims ) to have collected funds.

I have never been to the original collector. The company has many reviews about fraudulent activity. 

Company is causing severe emotional distress due to their fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I filed a fraud complaint ( reference # XXXX ) three weeks ago and Chase has failed to perform their duties per the procedure of filing a fraud claim. Chase bank has made a false report that I did not dispute a charge on my account that was similar to the charges filed on my claim and used this reason as primary justification for denying my fraud claim. After speaking with a representative four weeks ago, the representative proceeded to re-file the fraud claim based on Chase banks back offices lack of careful attention to detail to their error in making an allegation that I didnt dispute similar charges when in fact I did as the representative noted. The fraud claim was denied again after Chase bank back office making a false allegation that I made the charges or was aware of them due to providing a pin. This is a patently false allegation for the reason that these charges reflect a transaction of XXXX XXXX  purchase which could have only been made online, which doesnt require a pin to be entered. When explaining how the back office was erroneous in their decision to deny the claim to the third representative I spoke with two weeks ago, he proceeded to tell me that I needed to present documentation in order to get the fraud claim filed a third time. I faxed in documents sent from XXXX showing that my name wasnt on the reservation and further added I did not recognize the person who made this transaction with my debit card. Chase Bank has to date has failed to meet its obligations as a bank and financial institution and is apparently depending on a back office that isnt competent enough to make good decisions for the company nor represent it with integrity. With that said. My account remains in the negative and I still have not received a deserving positive credit to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  name XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued. 

My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?

Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX. 

My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance. 
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.

3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX. 


Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on 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 whom 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. 

They also violated my rights numerous times. 

The credit bureaus violated my rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

According to : 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. 

According to : 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 explanation
Consumer complaint received 2022-06-23 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: Remex, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX I requested verification of an alleged account... 
REMEX INC ... XXXX. They, REMEX INC responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX, XXXX, L, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Arco Collection Services LLC
State: MS

Complaint narrative:
XXXX XXXX with Arco Collection Services in XXXX TN is harassing me. She has been calling me several times a day for weeks now, and I have called her back and told her to stop calling me. She has continued to harass me and has now escalated to involving my employer. She contacted them on XX/XX/22 and asked for my personal information and employment verification. When she was told she would need a signed consent for them to speak to her, she provided a forged document to them immediately, withon just a coyple minutes. My HR was so suspicious of it that they called me! She is also, as of today XX/XX/22, calling and harassing my coworkers, calling the line that is for our patients to call in and be helped on. She has refused on these calls tp my job to provide any information on who she is or why she is calling, but demands information about me. She has been asked to stop calling ( all of this on a recorded line ) and refuses to stop. This behavior is unprofessional, ILLEGAL, and not to mention alarming and cause for concern for her mental wellbeing. She is complained about in every comment or review of this company that I found today online, complaints, and there were tons. I have the email with the forged document attached, it was forwarded to me by my Human Resources dept.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2022 I have sent Equifax multiple disputes questioning the certifiable compliance of an account on my Credit report called XXXX XXXX, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two XXXX XXXX accounts deleted, and two duplicates of each account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a call from Naviant saying my account was past due. I had been enrolled in an income based repayment for several months prior with my private loan and payments were set to come out automatically.

On the call the person explained that only a partial payment came out and that is need to make a payment of {$67.00} to bring the account current. I made the payment and set up automatic payments there after to come out on the XXXX of each month. I also received confirmation that payments were set moving forward. 

Several weeks passed and I started getting calls from Navient saying my account was past due. Each time I informed the representative that there was a payment scheduled, they said they saw it and then advised they would ensure I wasnt called again. 

I continued to receive calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My normal scheduled payment was made successfully on XX/XX/XXXX for {$260.00} as expected. 

On XX/XX/XXXX I received additional email communications from navient that I had a past due amount totaling {$84.00}, including late fees. 

Navient continues to charge me late fees and state that I have a past due account when I should be paid to date. Its clear the Navient can not fulfill their obligation to keep track of payments and I am requesting an escalation of the matter through the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. 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 an account without my written instructions.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on 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 whom 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.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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. 

According to : 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 explanation