vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
on XXXX XXXX account shows closed, XXXX  its still listed as open. see attached documents.

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 2022-11-07 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
Robinhood took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with the county to get the negative amount from me. Which its not my fault its robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
As of XX/XX/22, equifax has removed an account from my file without my permission or given notice. My XXXX XXXX XXXX  loan was removed without notificafion or permission and this account is still open. Because this account was removed, my credit score has dropped as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I recently applied for a repayment plan for my Direct Loans serviced by Nelnet. On the application, which must be done through the Federal Student Aid website, I was given the option to opt for the lowest payment plan regardless of applying for an IDR ( income driven repayment plan ). I live by myself, pay all of my bills on my own, and have another XXXX in student loans with another loan servicer. In addition, I pay XXXX USD to the IRS. I asked Nelnet to look at another repayment plan or lower my monthly payment which begins next XXXX, but they have failed to respond back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
{$2500.00} Chase took money out of my bank ( not Chase ) and tried to put it into Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent adocument to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION NOR JUST AN ITEMIZATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Their reporting late payments. When I made a payment it went through but a few days later they sent it back to my account that I paid from and blocked future payments from that account.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
XXXX took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with XXXX XXXX to get the negative amount from me. Which its not my fault its 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 2022-11-07 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Around XX/XX/2022, I had a credit card balance of {$420.00} for the apple card.  I used another credit card to pay off that {$420.00} ( since they had a promotion ). This is the second time I have used this other credit card to pay off the apple card, and I only do it to pay off an entire balance. Two days later, I received an email from XXXX XXXX informing me that I was invited to their store to purchase a XXXX XXXX I decided I would use the card that Friday for the XXXX, and it was the only big purchase I made on that card. That Friday, I made the purchase which jumped the balance to $ XXXX on XX/XX/XXXX. Since I was buying it for a friend, he sent me most of the money, and I immediately paid off {$340.00}. The balance dropped down to XXXX XXXX. After waiting a week, I noticed that the balance stayed the same because of the payment I made on XX/XX/XXXX. So I called Apple card support the first time, and the woman said everything was correct ( no, it wasn't ). The second time I called, another woman said that the offline payment still needed to register and that I should wait until the end of the week XXXX XXXX  for an update. The balance didn't change, so I called a third time ; another woman on the line said the same thing and said she would escalate to her supervisor. I got an email days later stating that my balance was around XXXX XXXXXXXX and the balance shown was correct, which is not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a balance transfer for XXXX XXXXXXXX ( plus some fees, etc ) originally from another card to my Citi card. The Citi card was not used very often, so it was set to automatically pay in full for the longest time. I swear I remember before making the balance transfer, that I changed it from pay in full to pay minimum bialances, that way if a payment was missed, at least a minimum payment was made. 

I made a {$1500.00} payment before the due date, however, on XX/XX/28, I noticed my checking account had been overdrafted by {$3500.00}. I see an additional payment was made from Citi for {$12000.00}. I immediately call Citi on the XXXX, and tell them that payment should not have gone through. They put in a refund request and stated it would take XXXX business XXXX. Borrowed $ XXXX from a friend to cover overdrafts for a short amount of time as they stated XXXX business XXXX 

Called them on the XXXX, and they told me, it had just been approved on the XXXX or XXXX, and it would be XXXX business XXXX from then which would be today the XXXX. 

I called them again today, and was told that it was approved on XXXX for deposit, and I should have it on XXXX. 

This is ridiculous. I can't get a straight answer and I've had this account for XXXX XXXX. I shouldn't have to file a complaint with you either. 

Please help if you can.

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 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
We have been paying our mortgage regularly, but the balance has not changed and our monthly payment is being increased, even though it is a fixed rate mortgage and even though we are making our payments. We have been asking for copies of paper work so we can refinance with another company, but the current mortgage company claims that it doesnt have copies and only sends the first page claiming that it doesnt have the rest of the paperwork. We get the runaround when we call them and disrespect from the persons we may talk to when we are finally able to get through. I have lived in this house for XXXX years and I am tired of being mistreated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america is highly understaffed and outsource the jobs to XXXX workers and other XXXX. As a result of that, overall operations has become a big mess. Customer service is terrible. 
On XXXX XX/XX/2022, I had a Bank of america XXXXXXXX XXXX XXXX XXXXXXXX ending in XXXX. I tried to close it. I initiated a chat - lot of wait time and after all the verification, XXXX XXXX left told me that : He can not close your account in our Chat. You would need to call for this service. Prior to that he was giving me some other excuse why the account should not be closed. I told I have already moved out the funds and please close it. 
Later he left the chat without closing the account. He gave me a phone # XXXX to call to close the account. Upon calling that phone # at around XXXX XXXX menu based robot doesn't allow to let a customer talk to a human agent. In fact robot is stating, visit website and initiate a chat. I am send in circles and it seems that due to low morale, low wages and worse treatment of humans by Bank of america management, nobody wants to do any work. Most of the hiring in bank of america is done to hire friends and family only this makes things even worse. I know lots of Bank of america employees and contractors in XXXXXXXX XXXX and other places - who literally does no work at all. 
Why bank of america can not close the account via chat? Why there is no human on the phone. My phone call was disconnected when i called. It's so much wastage of time of customers by bank of america

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
CB indigo is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing because I have not received credit from Wells Fargo Bank, N. A. for two Bills of Exchange I sent to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Since they were not rejected, I presume that they were used to credit the payee, Wells Fargo. Please check the record, and let me know how to obtain a receipt for the transaction. Wells Fargo has been continuing to attempt to collect the debt, as if it was never XXXX at all. 

The Bills of Exchange should have been negotiated on or near the delivery dates shown. The delivery dates were taken from the XXXX tracking records of the registered mail numbers listed below, and are the same as the Bill of Exchange numbers. 


Bill of Exchange for Mortgage Account listed, Number XXXX XXXX XXXX XXXX XXXX XXXX Date of Delivery : XX/XX/2022, Amount : {$220000.00} ; Second Bill of Exchange for XXXX  Account, Number : XXXX XXXX XXXX XXXX XXXX, Date of Delivery : XX/XX/2022, Amount XXXX {$49000.00} The Bills of Exchange are part of a lawful process authorized by Congress and allowed in the U.S. Code.

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 2022-11-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-11-07 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MS

Complaint narrative:
XXXX XXXX is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.

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 2022-11-07 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: MS

Complaint narrative:
XXXX XXXX is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.

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 2022-11-07 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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