vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
Based on prior conversations and information posted on the FedLoan Servicing website, I was advised that consolidation of Direct Consolidation student loans and Direct Parent Plus loans would result in resetting the PSLF qualifying payment count to zero. On XX/XX/XXXX I submitted a PSLF application without consolidating my two Direct Consolidation loans with my Direct Parent Plus loans. On XX/XX/XXXX I received a letter stating that I was not eligible yet to receive forgiveness. A representative from FedLoan Servicing informed me that the payment count was not reflecting the Limited PSLF waiver update and also advised me not to consolidate the Direct Consolidation loans with the Direct Parent Plus loans. On XX/XX/XXXX I received forgiveness on the two Direct Consolidation loans. On XX/XX/XXXX, the Department of Education posted on their studentaid.gov website the following information : " Under the limited waiver your consolidation loans will receive credit for time in repayment on your loans with different counts. Your consolidation loan will be credited with at least the largest number of payments on the loans that were consolidated. '' Shortly after XX/XX/XXXX, it was confirmed by a consolidation specialist at FedLoan Servicing that I would have received forgiveness on all on my loans had I consolidated prior to submitting the PSLF application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
XXXX XXXX  when I get paid i call all my credit cards and pay those which are due that week to keep them current. On XXXX, XX/XX/XXXX, I call Genesis FS Card Services for two of my cards. My Indigo and Milestone accounts. On both Accounts ( and I have this recorded if you want to hear it to be true ) The message I got was my MINIMUM due was the TOTAL amount due on the card. This set off my panic button and i paid {$200.00} on each card where normally i would pay the minimum due of {$40.00}. That is alot of my paycheck to pay on just two cards. To make matters worse the company has a policy that it may take up to 10-14 days for your to get access to your money. The payments cleared my bank on Friday, XX/XX/XXXX. tI am a on XXXX XXXX XXXX XXXX and need money for gas having put {$400.00} on two credit cards wiped out my ability to buy gas so I called Genesis FS Card Services on or about XX/XX/XXXX and they were able to release the funds on My Indigo card. However, by the next week on XXXX XXXX, I once again needed gas money and the funds were yet to be released on my Milestone account. I waited over 45 minutes on the phone for a manager and then they said they would call back. They never did so I called back later that night. They said there was nothing they could do at all and the funds would not be released until Friday XX/XX/XXXX. The system error was corrected on the Indigo card phone system as of XX/XX/XXXX as it gave the correct minimum due of {$40.00}. When i called and once again recorded the Milestone account card on XX/XX/XXXX the system ( almost two weeks Later is still telling customers their minimum due is their total amount due - I have it recorded as proof ) When a company incorrectly bills their customers and has absolutely no means to fix the error to financially improve the situation of their client that is a big miss for the business. I will give the company time to respond to this complain before I share if further on social media as people need to know how this company treats its clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
We would like to file a complaint against Carrington Mortgage, particularly to bring more accountability and loan-level transparency to their poor performance in the handling of our home loan. We also believe they violated XXXX rules by setting our mortgage payment too high. 

We are in arrears for $ XXXX on our mortgage. We pay 48 % of our monthly income towards our mortgage. This is not sustainable. We declared bankruptcy in XXXX due to a mortgage that had become an impossible burden. We paid $ XXXX cash in XX/XX/XXXX to bring our account to date. Our mortgage servicer has changed numerous times in the 20 years we have owned our home. We refinanced in XXXX with XXXX at a rate that was not sustainable. Our loan is federally backed, therefore our servicer ( Carrington? XXXX? ) violated the CARES act as my husband and I both received unemployment and filed a Hardship Declaration during COVID. We have applied for NY XXXX XXXX. Our monthly mortgage has gone from $ XXXX to $ XXXX. Weve been working with XXXX XXXX HUD and XXXX for months to try to come an agreement on a loan modification. We wish for our servicer to defer the amount of the forbearance into a non-interest bearing balloon loan due at the maturity of the loan. So far, we have not received an answer. If XXXX approves funding for $ XXXX, we still need to work out repayment for the remaining $ XXXX  as well as get our mortgage payment down to a more reasonable 40 % of our monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NJ

Complaint narrative:
Experian is reporting inaccurate, incomplete, and/or inaccurate and incomplete information in consumer reports concerning me that you have compiles and published to third parties. The following Tradelines item is inaccurate, incomplete, and/or inaccurate and incomplete because its currently reporting as a collection when it was charged off since XX/XX/2017 : XXXX XXXX XXXX XXXX Account number XXXX The inaccurate, incomplete, and/ or inaccurate and incomplete that you are reporting concerning me is harming me personally, emotionally and financially, and causing me damage. I request that you promptly delete the above- listed account and send me an updated copy of my credit report within 30 days of your receipt of this letter. I am aware that I have rights under the FCRA and request that you fully comply with the law in my request. Should you fail to make the requested deletion, I request that you provide me with the name and the address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.

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 2022-03-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ABOUT ON XX/XX/2022 I REPORTED TO CAPITAL ONE AND A REPORT WAS TAKEN AND I WAS OWED XXXX NOW CAPITAL ONE TOOK BACK MY CREDIT MONEY THAT I PAID THEM I WAS ISSUE A NEW CARD I CALL ASKING ABOUT MY BMONEY AND NEVER COULD GET A STRAIGHT ANSWER I FEEL LIKE UNFAIR PRACTRICE WAS CLEAR IN THIS CASE, EVERYONE WHO I TALK TO TELL ME DIFFERENT THINGS ABOUT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: LEXISNEXIS
State: NC

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Verisk Analytics Inc
State: NC

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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:
There are inquiries on my report I do not recognize

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
i wrote letter requesting report from Experian they demand proof of a permanent address. I travel around in a motor home & do not have a permanent address... I only have a mail drop of a relative in the State of minnesota..Experian will not supply me with a copy of 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 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: NC

Complaint narrative:
Filed dispute with credit bureaus against this collection previously. At this moment the collection has exceed the Statue of Limitations allowable by the state of my residency. Recently searched for said company with XXXX  and could not find any trace. Filed report with FTC for fraudulent activities already. Please help resolved this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: PA

Complaint narrative:
There are inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NC

Complaint narrative:
Good Morning, My account has been placed in collections with US Bank however, the company keeps charging my account with late fees. My account has an increased balance of over {$300.00} fees. I have spoken with three managers and they've stated that they can continue to charge late fees. Please advise on any legal advice. Hope to hear from someone soon. 

Kind Regards, 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 2022-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fridge & Resendez, P.C.
State: TX

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX for XXXX. I paid around XXXX and had a balance of XXXX. I was constantly having issues with the car and it broke down again and could not afford {$600.00} to fix it. My nephews broke all the windows to the car and the rained ruined it, so i sold it to a junk yard for {$250.00} with the title. The last payment was around XXXX. Now a dept company is suing me for {$66000.00} and threating me to take away my property. The statue of limitation in Texas is XXXX it's been over XXXX since i last made a payment. This means the debt is time-barred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This isnt a duplicate complaint. I am XXXX XXXX, a consumer, natural person, and I own an open-end credit plan. Im submitting this complaint myself, there is no third party involved. According to 12 CFR Part 202 - Equal Credit Opportunity Act ( Regulation B ) you, CAPITAL ONE BANK ( USA ), N.A. are in violation. CAPITAL OKE BANK ( USA ), N.A. can not deny me of my right to extend credit for personal, family, or household purposes. The fact you, CAPITAL ONE BANK ( USA ), N.A. using false and misleading deception to make me believe otherwise is another violation. CAPITAL ONE BANK ( USA ), N.A. refuse to do business with me and stole from me. Thats discrimination and theft which makes CAPITAL ONE BANK ( USA ), N.A. civilly liable. Im not asking, Im demanding CAPITAL ONE BANK ( USA ), N.A. compensate me for the damages against me & my consumer report, or I will be forced to take legal action. Last chance to make things right before youre liable for more charges, attorney fees, court cost, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I attempted to make a payment of approximately {$2800.00} to my Chase Bank Credit Card account. The deposit consisted of 4 checks along with roughly {$1000.00} in cash. Unfortunately two of the check amounts were apparently were entered incorrectly by teller. One check was for {$690.00} and incorrectly entered as {$640.00}. The other was a check for {$730.00} that was entered as {$700.00}!! I contacted Chase the same day and they ere immediately able to review payment and acknowledged checks were entered incorrectly. They assured me that correction would be made since this was clearly a bank error. I followed up with a phone call on the XXXX because I had not received a credit and much to my surprise was told a supervisor named XXXX, in the payment department that I had been misinformed and that absolutely nothing can be done since amounts have already been withdrawn from banks????? Even though one of checks in question was actually a Chase bank check .I was told only thing I can do is to go back to makers of checks and have them pay the difference. I attempted 3 times to have my concern escalated and was put on hold for over 40 minutes ( I had phone on speaker ) and no one ever picked up?? I have since found out that the one check for {$690.00} did clear for {$640.00} so I will be able to get difference from maker, the other one for {$730.00} was in fact debited from that payee 's account for the full {$730.00}, see attached statement, although Chase only credited me {$700.00}. I have expended well over four hours trying to assist Case in correcting THEIR ADMITTED PROBLEM, but to absolutely no avail. While I know the dollar amount is insignificant, the total lack of service and inability to resolve a clear mistake is. I often make payment with money orders, I can't even imagine what someone would have to do to if Chase accepted that type of check and made a similar mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 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: AES/PHEAA
State: NY

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report as it is a direct violation of U.S. Code Title 15. Section 1681a ( 15 U.S.C. 1681a ). 

The following late/missed payments are incorrect FEDLOAN Account Number : XXXX XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and XXXX in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.

Company response to consumer: Closed with explanation