vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter to Experian, and XXXX addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Industries Services Company, Inc.
State: FL

Complaint narrative:
I requested a copy of the Purchase Order and proof of delivery the itmes they claim XXXX owes, and they do not provide either.

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 2022-03-16 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: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
In XXXX through XX/XX/XXXX Specialized Loan Servicing ( SLS ) approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, SLS approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; SLS approved me for a Permanent Modification in the amount of {$420.00} of which SLS scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as SLS Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my XXXX XXXX decreased by XXXX Points. Upon review of my Credit Report ; SLS reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to SLS in an attempt to speak to someone that could correct the negative credit reporting that SLS placed in my Credit File/Credit Report. The SLS System repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to SLS Representatives by telephone ; I sent a message to the SLS Online Message Center describing the negative credit reporting that SLS placed on my Credit Report/Credit File, but have not received a response from SLS. My SLS Account is not delinquent, and is not 120 Days Late as SLS has reported in my Credit Report/Credit File. I am currently in a Permanent Modification Status with SLS and have not been late in making any of my Trial Period Modification and Permanent Modification Payments. 

Sincerely, 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 explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Collection company for a rental property that I did not authorize to use my personal information as a co signer on a lease to a property I have never lived at nor signed for. Apparently debt went in to collection in XX/XX/XXXX for a rental in XXXX. I was made aware in XX/XX/XXXX and dispute legality of the collection to me. Company told me to file police report and they would remove from my credit report which I did and provided documentation. Still refuse to remove. Since that time debt has been settled with original signer but this still reports on my credit report and has caused me great harm

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, my checking account in Citibank charged me in this date XXXX dollars, I called the bank and they said that this charged was made by XXXX for a transaction made on XX/XX/2022, and that they are charging me now for this, I told the bank that I have not make a transaction with this company lately and if this was on XX/XX/2022 because I remember buying a jacket on that month, why Am I being supposedly charged again, so I asked the bank to open a dispute for this charged and the bank denied me this service saying to called XXXX and to fix the problem with them. I did what the bank told me to do and call XXXX and I spoke to the financial department that told me that they dont see any transaction made on that date with my debit card and told me to call my bank and ask them to open a dispute. 
I did this again and I was denied again by the bank to open a dispute for my money taken away from my account supposedly by XXXX. Also the las few months I noticed that money is missing from my checking account, like sometimes XXXX, XXXX, XXXX dollars, and when I called to the bank to open an investigation they denied me of this service and this money missing from my account got lost. 
Also I open a dispute on XX/XX/2022 for a charged made for XXXX of XXXX dollars and the bank closed the disputed last month saying that I didnt give them enough information when they sent me a letter by mail, but I didnt receive this letter that is why I didnt send the information requested to me. Citibank told me to send them a letter asking for an appeal to reopen the dispute which I did already but they have not answered me yet. This charged was made when XXXX charged me twice the transaction I made with them, I did receive the merchandise but after 2 weeks, I was charged again by XXXX in my account. 
Im not too sure if I am being robbed and abused by XXXX or Citibank or maybe are both.

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 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
I have not received a contract with my agreement to this. 
When was it generated, if ever? 

Also, I'm seeking possible litigation as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
FEDLOAN is refusing to count qualifying payments towards forgiveness made to prior lenders who sold my loans to them ( i.e. XXXX sold my loans to FEDLOAN ). 
No wonder people are suing them and winning!! 
I submitted a detailed schedule with my application to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: WA

Complaint narrative:
Upgrade Card is refusing to close my account and provide documentation that the account is closed. Initial request was sent XX/XX/XXXX and email was received that the account closure will take 5-7 business days. It is not XX/XX/XXXX and the account still shows as being active with each representative stating that the account is being in the process of being closed without further elaborating or providing documentation it is being done just that. I have spoken with three different team leads on eddy - XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX who all refused to provide immediate documentation that the account is closed but insist it is being in the process of being closed. 

I am at my wits end here and have exhausted all possible avenues on getting this resolved with no changes made from Upgrade 's side. Please note the account has been fully paid since XX/XX/XXXX and have not been used since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
Company has illegally added a inaccurate unverifiable account to my report without proper validation and did not notify within 14 days before doing so also company has failed to remove inaccurate accounts even after I have pointed out laws that were broken and is ruining my reputation and ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX through XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting thaXXXX XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has reported in my Credit Report/Credit File. I am currently in a Permanent Modification Status with XXXX  and have not been late in making any of my Trial Period Modification and Permanent Modification Payments. 

Sincerely, 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 2022-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have recently received several emails regarding someone opening an account up under my name and social security number. I have tried to call XXXX, and spoke to a young lady. She confirmed that there were several accounts with my name and she confirmed the last 4 of my social security # before I would tell anything. She confirmed that someone in my State and City had opened an account. She went to transfer me to a fraud department and then a recording came on and said no one was able to help me. There was no way to leave a message and the call ended. 
I contacted another number I found XXXX and again got no one as I dont bank there and without an account number no help from the company. 

The first email I received stated that an online application was in progress along with my name and Confirmation # of XXXX at XXXX today, second email was received at XXXX and stated that I needed to verify my email address which I did not do, third email received at XXXX stated that my application was approved, and my account is open with account ending XXXX and that I am enrolled in online and mobile banking. I have filed a police report with my local police department, but I need a claim number from this bank and the fraud phone number from them.

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 2022-03-16 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit and XXXX are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KSP Global Inc.
State: NM

Complaint narrative:
They called me telling me that I was probably eligible for a student loan forgiveness program based on my income. They asked me to give them my yearly salary to see if I qualified, so I did and they accepted me. They said I would have to pay {$340.00} a month for the first six months and then after that it would go down to {$320.00} per month. This was a lot better than the {$680.00} I was supposed to pay a month with XXXX XXXX so I agreed. They asked for a letter from my boss to verify that the information I was saying was correct. I did all of that and I actually received a letter from XXXX XXXX saying my student loans had been consolidated and that I was approved for the Income-Driven Repayment ( XXXX ) Plan so it seemed legit. I have been paying them {$340.00} a month since the XXXX XXXX which adds up to {$2000.00}. On XXXX this payment went down to {$59.00}, which I thought was weird since they had told me it would be {$320.00} a month after six months. So in total they have taken {$2100.00} from my account. Today, when I was getting my documents ready today for taxes I logged in to XXXX XXXX to print my tax form and realized that I still owed the full amount- I called them and they said I was most likely scammed since they haven't received any money from me and gave me this website. 


In the documents I am attaching you can see you I have been charged {$340.00} every month of the XXXX of the month ( I only provided my bank statement from XXXX -but happy to provide more documentation showing I have been charged this amount since XX/XX/2021. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
This credit bureau has committed a violation of the Fair Credit Reporting Act by re - aging an old account that has been reported on my account inaccurately. That account is a XXXX XXXX XXXXXXXX account that has been reporting on my credit. They had re - age a XXXX XXXX XXXXXXXX account that is reporting on my credit report. When I log into my Equifax account its says that the XXXX XXXX XXXX account is 1 year, 3 months and 14 days old and this is false. I have enclosed a copy of my credit report with the XXXX  XXXX XXXX account for all to see. Kindly see the file attached It is illegal for any credit bureau to re- age any account and it is a violation of the Fair Credit reporting act. I therefore ask you to delete XXXX XXXX  XXXX from my credit report due to this Fair Credit Reporting Violation. A failure to do so will give me legal rights to take action against your company for violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A filing error was made by my attorney 's office when filing my trust documents. due to this error, my property value was uncapped and my property taxes went from {$5000.00} to {$150000.00}. Due to my escrow account with Bank of America I knew nothing about this until I received and Escrow analysis raising my monthly payment from $ XXXX to $ XXXX to make up the difference. They gave me 2 options : pay XXXX payment, or pay off the negative balance on my escrow account. I borrowed the money and paid the balance and closed my escrow account. ( in excess of {$10000.00} ) Over the next 6 months I worked with my attorney and the tax accessors office and was able to go before the review board where they recapped my property value. In XX/XX/2022 the XXXX XXXX 's office issued a refund for the over payment on my taxed in the amount of {$9000.00}. They returned the money to Bank of America as they were the ones who paid the tax bill. Since XXXX I have been attempting to secure a refund of {$9000.00} from Bank of America. From the list of names provided, you can see I have tried numerous times. On XXXX I spoke with supervisor XXXX XXXX XXXX in Pennsylvania, email address : XXXX, phone number XXXX who said she would expedite the refund, but it would take 2 - 4 weeks to process. It has now been in excess of 4 weeks, so today I spoke with supervisor XXXX XXXX no further identification was offered or received ) who told me the case number XXXX indicated there were detailed notes attached, but she could not locate them. She said she could not determine where the money is, nor when it would be refunded. they are holding my tax refund adn refund to return it to me.

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 2022-03-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a telephone number on my Equifax credit file that does not belong to me nor has it ever belonged to me. I have no idea why this telephone number has been listed on my credit report. Because of this I am being denied credit because creditors can not verify my information. I have spoken to three representatives at Equifax on three different occasions asking that this erroneous number be removed, but each time I am told that there is no telephone number listed on my credit file. However, a copy of my most recent credit file ( XX/XX/2022 ) clearly lists this telephone number that does not belong to me. I need it removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Complained about identity theft to this company many times. Read numerous reported from other fraud victims about this shady company not fixing their problems either. I have a police report to prove everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
I HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO GET THESE ACCOUNT REMOVED AND THEY HAS FAILED TO INVESTIGATE AND GET THESE FRAUDULENT ACCOUNT REMOVED. I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED MY FTC REPORT, MY IDENTIFICATION, I'VE CONTACTED THEM SEVERAL TIMES, IT HAS BEEN REMOVED OFF XXXX. ADMISSION EQUALS DELETION SO WHY HAVEN'T THESE FRAUDULENT ACCOUNTS BEEN REMOVED..

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 2022-03-16 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
fraudulent collection reporting on my credit report dated XX/XX/2016 from California Business Bu Original creditor XXXX XXXX XXXX amount {$1400.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation