vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: NY

Complaint narrative:
On XX/XX/XXXX, I submitted my recertification with the Public Service Loan Forgiveness ( PSLF ) program through FedLoan Servicing. The certification shows that I am employed by a 501 ( c ) ( 3 ) non-profit and had been employed there, full-time, since XX/XX/XXXX. FedLoan Servicing maintains a PSLF tracker on their website. On XX/XX/XXXX, FedLoan Servicing processed my application. The PSLF tracker was updated to note that a portion of my loan payments from XX/XX/XXXX to present were " qualifying. '' However, the payments from XX/XX/XXXX through XX/XX/XXXX were are listed as " Employment Not Certified, '' despite my certification. 

On XX/XX/XXXX, I contacted FedLoan Servicing to ask for a correction and that all payments from XX/XX/XXXX to present be marked as " qualifying. '' FedLoan Servicing responded on XX/XX/XXXX, " Records indicate the Employment Certification From to track your employment history has been approved until XX/XX/XXXX. The forgiveness portion has been denied since you have not completed the 120 qualifying payments. We advise to update this form annually. '' This was not responsive to my request. 

On XX/XX/XXXX, I submitted another request for a correction. FedLoan Servicing responded on XX/XX/XXXX, " A request has been submitted to review your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ) to include all months shown as eligible per the start date on that form. We will send correspondence if we require additional information and apologize for any confusion or inconvenience. '' I received that review on XX/XX/XXXX. The payments were still not listed as " qualifying. '' I have also called FedLoan Servicing to address this issue. The customer service agent was not responsive to my request. 

I am deeply concerned that this miscount will delay my eventual forgiveness, currently scheduled for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
They call multiple times a day everyday on a {$210.00} on a {$700.00} limit. I haven't made a payment in two months but plan to pay it off at the end of the month when I can. And I have used it since. They gave collections calling me when this is not in collections. I'm tired of being harassed for {$210.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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: AL

Complaint narrative:
This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I payed credit acceptance in a settlement the full amount of XXXX they have not yet removed the auto debt of over XXXX dollars off my credit reportthey gave it to a law firm for collections account number XXXX confirmation XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
My loan was transferred from XXXX XXXX to Gregory Funding but I had applied for a loan modification on XX/XX/2021 and my loan was transferred to Gregory Funding on XX/XX/2021. When I used to check my XXXX XXXX XXXX, it stated a modification was successful but now Gregory Funding agent telling me when a loan is transferred, there are 100 of documents. Gregory Funding LLC has been a nightmare to me and by looking at their reviews it say 1 star. Almost everyone with similar complaints. It doesnt seem that Gregory Funding will not abide by the process that was already in place. I got everything in writing from from XXXX XXXX what was my options after my forbearance. Gregory Funding agent was asking me what documents I have and instantly I felt something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: TX

Complaint narrative:
One day XXXX XXXX XXXX had windows to be installed and I had them come to measure my window but the lady that came to measure told me it was possible my XXXX  would cover my window expenses and I told her I would contact my XXXX and told her to put this in hold until I contacted my XXXX  and they said yes it would be covered.The next day I called XXXX and told them to cancel. 
Shortly after I received a statement from the bank Greensky and what happened this company had charged a window using my credit. 
Last week I was checking my credit report with XXXX and the only negative report was because of this company or the bank I dont know and XXXX said it would be on report for seven years, unless they would take it off. 
I am sending you a copy of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: IL

Complaint narrative:
On XX/XX/2021 I submitted a complaint with CFPB against Experian. My complaint is that Experian is reporting a bankruptcy case number XXXX on my credit report. I submitted documentation to them showing them that I had submitted several requests to getting said bankruptcy removed. One of the letters was a letter from Experian ( report number XXXX ) stating that they verified the BK through XXXX XXXX. The second letter was a letter from XXXX XXXX stating that said BK was reported in error and removed from my profile ( XXXX XXXX Report ). And the third letter I submitted was a letter from US BKPT CT IL XXXX Northern Dist - XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, IL XXXX stating that they do not perform any activities with credit bureaus. I am attaching all of this documents to this complaint again. 

My question is how can Experian tell me that they verified a bankruptcy with XXXX XXXX, then tell me after I submitted my complaint that the BK was verified by the US BKPT CT? There is documentation on file that contradicts what Experian is telling me. Who did Experian speak to or what documentation do they have to verify this BK to stay on my file? 

My first complaint that can be used as a reference is CFPB # XXXX. Experian 's response/report number is XXXX. 

This will be my second complaint with CFPB about the same issue and Experian is totally disregarding the facts.

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 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have called and emailed them but they have refused to reply. I sent all document requests but they have refused to do anything. This is hurting my credit and all the plans I have. its ruining everything for me. 

This is not the first time the same collection had been placed on my credit. They do it everytime and I keep sending them document. Now theyve done it again. They keep doing it everytime. They sell account to companies, even paid off debt and the collection agency think they are above the law. They take whatever decision they want and ruined peoples lives. They believe the have so much power to place collection as they want and do what they liked I emailed XXXX they have also refused to do anything even the the evidence. 

I wish to file a complaint against XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: GA

Complaint narrative:
I have disputed this account on numerous occasions with Transunion, XXXX, & the Creditor ( XXXX XXXX ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between Transunion & XXXX. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on Transunion vs XXXX which are reporting differently : Transunion reports a high balance of {$12000.00} vs XXXX reports a high balance of {$10000.00} Transunion reports a date of last activity/payment of XX/XX/XXXX vs XXXX reports a date of last activity/payment of XX/XX/XXXX ( In reference to Transunion inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) Transunion reports a Payments status as " Unknown '' vs XXXX reporting a Payment status of Collection/Charge off.

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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I filled a dispute for a duplicate charge of the amount of {$2200.00}. I sent them proof and everything they asked of me. I contacted them more time than I can count, and all they do is tell that they do see the duplicate charge but unless the merchant agrees to refund me the money, they cant do anything on their end, but thats the issue, the merchant only sees one charge but my statement shows 2, so they cant refund me because according to them they dont see the duplicate charge. Thats why I took up with the bank, but citi bank isnt doing their due diligence in investigating this properly. Even after I show them receipts. I have attached pictures of the total amount and the split payment, one of {$2000.00} and the other of {$2200.00} ( which was charged twice ). As you can see the total charge does not match the purchase amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Enhanced recovery is reporting the XXXX bill on my credit report. I have had XXXX XXXX XXXX since XX/XX/XXXX. I have not had a XXXX  account. I have disputed numerous times with credit bureaus and they keep updating. I recently tried to contact the Enhanced recovery reaching the collector who was very rude and just outright said you disputed and it is yours. If there was an account opened it would be fraud because I have had att since XX/XX/XXXX or before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was mischarged {$890.00} by Shell Point Mortgage Service company for Lender Placed Hazard Disbursement ( insurance coverage ) even though I have already promptly provided my insurance cover page. 

I received empty promises that the company is going to " remove the charges '' and the insurance department is going to contact me. 

Nothing happened. This company held me ( a loan borrower ) as a hostage. It ignored my consumer right and imposed mischarges over my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have sold a massaging product to XXXX XXXX. After my client received his product, she filed a dispute with her credit card ( Chase ) without any reason. 

First, I had tried to contact the client several times to find out the reason why but there was no response from her. I then filed all my paperwork to XXXX  ( credit card XXXX ) proving that the product has been delivered without any issues. I waited for the outcome. 

A couple of weeks later, Chase informed me that my customer, XXXX has won the dispute and refunded the funds back to her. I do not know what factors led to the client 's favor especially I have submitted all the evidence. 
Now, 1. The client does not want any communications with me. 
2. The client did not provide any evidence of any of the issues. 
3. Currently, the client has the product and the funds- meaning she has the product for free. 

After a couple of months, I managed to get in touch with her 1 time after the dispute, and she said Chase has not credited the funds to her so she could not refund me. She promised to send me the funds as soon. And that was the last time I can contact her. 

I suspect this is a professional fraud case and I have tried to contact Chase but in vain. 
No telephone numbers, no emails available. Basically there is no way to contact them unless you have an account with them. 

Fortunately, I do and I tried to contact them. However, the bank is unresponsive when it comes to this. I have been communicating with them since XXXX and the same message from them. 

Below is their standard message : Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. 

Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. 

We may ask you for more information to help our research. 
If we do, please reply as soon as possible. 

If we adjust your account, we'll mail you the details. 
You'll also see the adjustments on your billing statement. 

Thank you for your patience and for choosing Chase. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX It has been XXXX. i haven't had any response on your side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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:
Hello my name is XXXX XXXX XXXX XXXX. I am writing this letter to advise the credit bureaus that there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore I ask that these accounts be DELETED and updated in order to correct my credit file and protect my consumer reputation. I am a victim of identity theft and did not make the inquiries. I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade commission identity theft affidavit. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days blocked. This information has been causing me to be denied by credit companies and loans. I ask that per FCRA and FTC laws and regulations the inquiries and information listed in this report immediately be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CA

Complaint narrative:
My mortgage company XXXX failed to help me to put the account under forbearance due to job loss and being unemployed because of Covid-19. Back at the end of XXXX of this year I have reached out to XXXX and notified them about the hardship my family was in and requested for a 6 month forbearance under the CARES Act. I spend almost an half an hour on the phone with a representative and I was assured the account would be put in six months forbearance. Since then I have contacted the company several times because both me and my husband have gotten credit alerts from the three bureaus about delinquencies. I know for a fact that there was a call on XX/XX/2021 and the rep has made notes that I have called and followed up to make sure the forbearance was in effect. Now I was XXXX at the time and for almost 8 months I was lied to by this companies representatives. I have called numerous times and its all in record with them and each and every time I was ensured that someone will take care of the issue with forbearance and also correcting mine and my husband 's credit reporting. We have had other creditors decreasing and also closing our credit cards because of Cenlar 's incorrect reporting. Cenlar has sent me a letter saying that the credit reporting is correct and no one bothered in their company to go through the notes and see that they made a huge mistake. They are in violation of CARES Act. During this pandemic a lot of families have been suffering and I know that the treatment I have received from them is unlawful. My first mortgage is held by XXXX XXXX and all it took was one phone call and they were able to help us. Now I was XXXX  throughout this process and CENLAR has caused me a lot of emotional distress. 
I demand for this company to reach out to al three credit bureaus and correct the reporting by removing the delinquencies from both my and my husband 's accounts within the next two weeks. I also want someone to reach out to me and explain why the forbearance was not placed from XXXX to all the way XXXX when I called and said we are ready to resume payments. All my statements could be verified through their phone recordings. 

Best regards, XXXX 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 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My bbva account hasnt worked since Thursday XX/XX/XXXX. Ive had no access to cash or online transactions. The only advice I got was go to pnc atm or pnc bank. I drive half an hour to pnc on Saturday and the atm didnt work either. I work banking hours so XXXX cant get to the bank. The customer service rep was rude and hung up on me. None of it is working yet. I dont have gas money for work or anything. Ive acquired late fees too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: GA

Complaint narrative:
I have disputed this account on numerous occasions with XXXX, Equifax, & the Creditor ( XXXX XXXX  ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between XXXX & Equifax. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on XXXX vs Equifax which are reporting differently : XXXX reports a high balance of {$12000.00} vs Equifax reports a high balance of {$10000.00} XXXX reports a date of last activity/payment of XX/XX/XXXX vs Equifax reports a date of last activity/payment of XX/XX/XXXX ( In reference to XXXX inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) XXXX reports a Payments status as " Unknown '' vs Equifax reporting a Payment status of Collection/Charge off.

Company response to consumer: Closed with explanation