vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This credit reporting agency failed to provide proof of their investigation of all inaccurately listed bankruptcy filing. I have not received any bankruptcies petitions showing my signature. 

enclosed is a letter from my court clerk showing that I do not have any bankruptcies filing in their record. 

The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear grave responsibilities, 15 U.S.C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The grave responsibilit [ y ] imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MO

Complaint narrative:
I am attempting to qualify for the Public Service Loan Forgiveness program. I believe I have made my 120 payments. My loans were consolidated with XXXX XXXX in XXXX of XXXX. According to my studentaid.gov account I can see that my loan status was in repayment as of XX/XX/XXXX. My servicer at that time was XXXX XXXX XXXX XXXX, until it was transferred in XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX are not currently counting towards my PSLF according to FedLoan. They are listed as being under manual review. I initially requested this manual review in XXXX of XXXX and it has not yet been resolved. 

I submitted my application for PSLF this month, because if the payments from XX/XX/XXXX through XX/XX/XXXX are included I have now met the 120 payments for forgiveness. FedLoan 's response was that I currently have 108 qualifying payments because those 12 are considered ineligible. However, they have not yet determined if they are eligible or not since they are still pending manual review. 

I have no documentation available from XXXX XXXX XXXX XXXX because it no longer exists and all of their email communication just directed me to my inbox on their website. I do have my bank account statements showing my payments from XX/XX/XXXX through XX/XX/XXXX and can possibly request older ones from my bank if they still have them. I do know that I was on the income-based repayment plan at that time. 

When speaking with FedLoan to resolve the issue I was told that the manual review from XX/XX/XXXX is still in process and they are still waiting for information from my previous servicer. They have no indication on how long this can take, but indicated that 18 months is not the longest they have seen it take. My servicer that has the information they need is 3 servicers ago, so I don't think that contacting my most recent servicer will get them the information even if they wait another 18 months. The information should be available to the federal government since it was the XXXX XXXX organization that was directly servicing my XXXX XXXX at the time of consolidation. 

My student loans should be able to be forgiven at this time as I have made my 120 payments on appropriate payment plans. I think it is unacceptable that FedLoans can take 18  months to review this information without them having any more efforts to resolve the concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  ( ETZ XXXX I received another debt collection call from a collection agency representing Kohl 's for XXXX XXXX. I have a letter from Kohl 's to the CFPB about this very same debt incurred by XXXX XXXX XXXX not me ) dated XX/XX/2020 with XXXX XXXX represents Kohl 's and states that they will not contact me again, but because the debt is not mine and I do not have the account number or other information about XXXX XXXX XXXX XXXX XXXX like where he is that they can not assign my issue to any account. 

The XXXX  in that response from Kohl 's is that when they first started calling me about this debt it was Kohl 's collection team and I spoke with a nice collection manager. I explained that I have seen/heard from XXXX in over 20 years and because he terrorized me my entire childhood and XXXX  me for one year at XXXX years old ; I won't ever see/hear from him again. I did not know where he was nor did I care to. That Kohl 's Manager was mortified at what she heard and said she was adding notes on the account and I would never be contacted again. 

The collections was handed to a debt collection company and I was contacted. After much ordeal I finally got to a member of the senior management team and told them the same thing. They again promised I would never be contacted. Kolh 's sent the debt to a different collection company and again I was called. Each time I've called Kohl 's leadership team and yelled and explained the same and I've been verbally promised I would not hear from any collectors again. I filed with the CFPB against the collection company. One to two months and yet another different collection company and this time when I filed with the CFPB I added Kohl 's to the filing and I received the letter dates XX/XX/2020. My response to the poorly caring response from Kohl 's and XXXX was that if they contact me again I will SUE the XXXX XXXX XXXX  * out of Kohl 's. 

Today I received another collection call from Kohl 's. I don't know how much XXXX XXXX owes and I don't care ; but I warned Kohl 's and the CFPB that if I continue to get harassed over a debt that isn't mine I will take action. 

CFPB - this is directly breaking several regulations that you have against collection companies and the fact that you refused to push/fine Kohl 's for breaking regulations show you to be complicit in their illegal and fraudulent behaviors. You need to take action and fine companies when they continue to break regulations and if you won't ; then why are you in place. Times are changing - change or get out of the way!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE MY NAME WRONG AND ALIAS NAMES SHOULD NOT BE THERE AND PREVIOUS ADDRESSES THAT SHOULD NOT BE ON MY 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 explanation
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2020 XXXX XXXX shut down my frequent flyer account. After filing a complaint with the DOT, XXXX XXXX cited the reason was " These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' This language was not present on the mailers I applied through. I have had numerous Citi AAdvantage Platinum credit cards over the years and non of my applications contained any 48 month restrictions. All the miles in my account which were awarded through Citibank were confiscated. Representatives at Citi have suggested I reach out to XXXX XXXX, but XXXX XXXX has not been helpful in coming to a resolution. I would like Citi to either get my miles back which were awarded as part of my credit card sign up bonuses or admit that I did nothing against any bonus eligibility restriction rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Motor Finance reposed my car when the loan was closed and paid in full all three credit bureaus report loan was paid and closed in XXXX of 2020 they came and took my car on XX/XX/2020. I was told when calling the police it was reposed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY NAME IS LISTED WRONG THERE IS AN ALIAS NAME THAT IS NOT ME AND XXXX PREVIOUS ADDRESSES THAT ARE NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Unknown Foreigner woman calling her XXXX saying Im on a recorded line asking to speak to me Illegally obtained my unlisted number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There is an inquiry that is unauthorized reporting on my credit. The date of the inquiry is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My father and stepmother ( both passed away in XXXX ) had taken out a home equity line of credit with Bank of America in XXXX. After the passing, we put their home up for sale. We found a buyer and the home was supposed to close on XXXX. The title company located this XXXX line of credit and showed it was still in force. No one was aware that this deed existed prior to the title search. The closing attorney in Georgia attempted to contact Bank of America on several occasions to get the deed cancelled. They were unsuccessful. As Executor of the estate, I told matters in my own hands and went to my local ( XXXX Florida branch ) on XXXX XX/XX/XXXX to try to resolve it. I was put in touch with an investigator, who told me that the deed was not in their digit system. This would require a hand search. He told me that it would take 3 to 4 days to get solved. The case number was assigned ( # XXXX ). Today XX/XX/XXXX, BOA notified the closing attorney that it would take 15 days to resolve this. This is completely unacceptable. I have buyers who are ready to walk. I have allowed them to move in pre-closing because I thought this would be resolved this week. BOA 's failure to resolve this is costing the Estate and the buyer money for each day this goes on. This need to be resolved yesterday and not 15 days from now. The latest correspondence from BOA is below : Thank you for submitting the necessary information required to review your lien release. Please be assured that we are working to fulfill your request. We ask that you allow 15 business days for completion. Status updates are not available via email. For all status and questions, please contact Customer Service at ( XXXX ) XXXX and provide reference number 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 2020-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
There is an inquiry that is unauthorized reporting on my credit. The date of the inquiry is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I, have a credit card with Chase, They thought my first card with them had fraudulently been used, they contacted me to ask if I had purchased an item at a hotel, I said I had at the hotel in question. they contacted me the next day on the same issue, and I answered the same way. so they called me to tell me that they were going to cancel that card and send me a new card. They did, but my first statement Had an {$89.00} annual fee .I tried to tellXXXX them that they had no right to put that on my card without my permission. they said that the new card was a PREMIER card so it gave me better bargains, My first card had a {$50.00} annual fee which was supposedly for a free nights stay at one of the, XXXX. Hotel groups I do not remember ever being called about the free night stay. Also, XXXX. Rewards on my statement said that for this year I had points earned for XXXX was XXXX points so I went online to see for myself. From XX/XX/XXXX to XX/XX/XXXX my total points for the same period was XXXX I tried to go to XXXX rewards to find out why the difference, But I ran into a not wanting to hear my Questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I received a letter from a group called Sunrise Credit Services. XXXX XXXX XXXX ( XXXX ) dated XX/XX/2020, supposedly seeking to collect on XXXX $ owed to XXXX. 

XXXX actually took the money directly out of my account. ( It's a charge that I dispute, for equipment that was taken by a technician during a repair last year. I therefore could not return XXXX XXXX equipment when I moved recently - since XXXX already had the equipment. However, it has been paid, against my will. ) I am filing this to document the fraudulent letter from Sunrise Credit Services , Inc, claiming that I needed to call their automated phone payment system at XXXX, and that they would report the account balance to one or more national credit bureaus by XX/XX/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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Faye servicing is my mortgage carrier, I had damage to my property on XX/XX/2020. My insurance company issued a check for {$4800.00}. The check was written to me and Faye servicing. Faye servicing said I had to endorse check and send to them.

And go to insurance check XXXX. However Faye servicing and this company took the money and has refused to issue a new check. Instead, they required a list of documents needed for the funds to be released. These documents include : contractors license, w9 form, sign contract, and lien waiver. I sent this in and they rejected w9 and lien waiver, per Faye servicing they wanted these forms in there company form. I sent the new forms in and again they refused to issue the replacement check. They then stated they do not accept XXXX contracts and I would need to get physical signatures. 
The rejection of documents has been going on for 15 business days. However, this company is holding onto checks and making interest on funds while the consumer has to jump over hoops to obtain insurance funds that are rightfully theres

Company response to consumer: Closed with explanation