vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We trade our car with a dealer. They sent the check to the bank chase to the full payment department, for the total amount. This was sent on XXXX XX/XX/XXXX, overnight payment. We contacted the bank and the answer is that they receive the check but until they dont found the check cant be applied. And we talk with 3 different persons no one give an answer the check was misplaced, we have to do the monthly payment and no one give an answer about where is the check or how to post this in our account Chase first call Monday XX/XX/XXXX 3different agents XX/XX/XXXX at XXXX am Im still on the call after 54 minutes The supervisor is extremely rude, disrespectful and giving answers that are not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: LA

Complaint narrative:
Upon XXXX in 2018, I was making very little money and literally could not afford to start back repayment on my loans. I at some point was able to defer my loans with the intention of going back to school at the time. I recently realized that FedLoan has reported that I missed 42 payments over all open student loan accounts. I attempted to write a forgiveness letter to my creditors in early XXXX explaining my financial predicament. The accounts are still showing as late payment history on all 3 credit reports and it is affecting my credit score when applying for other financial lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hello. My mortgage was recently transferred/sold from XXXX XXXX  to Nationstar d.b.a. Mr Cooper. Mr Cooper continuously mismanages payments that I make on my home loan. I make regular monthly payments on a timely manner always. In between the monthly payments, I made extra payments towards Principal of my mortgage, yet Mr Cooper does not apply those payments towards my Principal but rather takes out interest and other charges. In that resect, I get double or triple charged for interest. This is completely inappropriate. I called and emailed Mr Cooper several times, and got several past payments reversed and applied towards the Principal. However, the problem persists. On XX/XX/XXXX ( due date ), I made a regular monthly payment. Another regular payment is not due until XX/XX/XXXX. Today, XX/XX/XXXX, I made an extra payment towards my Principal only, and yet again was charged for interest. This is completely inappropriate handling of my mortgage. I would appreciate if your Agency would kindly investigate Mr Cooper 's practices. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I received collections notices on a {$310.00} debt back in XXXX from a medical appointment made back in XXXX, this amount has since been paid. However it is still being reported on my credit. I attempted to dispute this derogatory mark back in early XXXX, now they're refusing to remove the mark because they " can not locate '' 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 explanation
Consumer complaint received 2022-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. System, INC has repeatedly contacted me about an account that I have no idea about. I asked them for a copy of the contract that I supposedly owed on and they could not produce one. I have asked them repeatedly to stop calling me and stop sending me letters. Now they are threatening to negatively report on my credit report if I don't pay them. I told them specifically all of these things but would not stop sending communications to me. I have XXXX children  and do not have to to deal with these bullies.

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 2022-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Before AidVantage, my payment was 1/4 of the payment that AidVantage is suggesting. 
The payment suggested is ridiculously, and unreasonable, and not managementable. No reasonable alternative is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This account is showing an inaccurate closing date of XXXX/XXXX/2021. Ive tried to file a dispute and nothing has changed.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am now 6 months into the process of trying to gain access back to my account. This is the 2nd report I have filed. Some while ago, I was given a notice that my account was locked and that I no longer have access until I can confirm fraudulent activity. I followed their instructions on submitting the necessary and proper documentation to validate my account. That paperwork was all properly submitted over a month ago. The representative in charge of my case does not answer the phone. It has now been 6 months and I have not had access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I have been a customer of M & T Bank for 11 years. I have had 9 accounts with them. Some trust accounts and some LLC accounts, as well as some accounts where I am listed as power of attorney. 
For all of this time, every few months, I would email my banking representative at their bank and request a reversal of the service charges to my LLC accounts ( 4 accounts total ). They would immediately reverse the last 3-4 months of charges. 
Suddenly, when I emailed my banking representative on XXXX XXXX, XXXX, she told me that was not the policy ( note : she didn't say that was no longer the policy, rather that it had never been their policy ). I was quite surprised. 
As a result of the bank representative 's surprising notification, I informed the bank in writing of the following requests : - refund of the services charges until the date that they decided not to refund any longer - notification in writing of the change in policy - notification in writing of a start date of the new policy so that I can decide whether to remain with the bank or change banks- providing me with the new terms of my accounts in writing- the minimum required to avoid services charges, for example. 
Her branch manager and the regional manager both told me that they will not refund any money to me for the service charges suddenly charged. Though I have repeatedly requested a copy of the new terms of the accounts, they have both refused to provide them to me in writing and have not provided them to me in writing. They have told me orally, though once I was told by the branch manager that she will not tell me the minimum required in the accounts. 

I am writing to request a refund of {$62.00} which is the amount of service charges which were charged that should not have been charged without notification in writing of the change in policy. 

Note : I have closed all accounts with the bank except for the accounts on which I am listed as a power of attorney. 

Note : The bank claims there was no change in policy, rather merely a decision to enforce a policy that already existed. I claim that in and of itself is a change in policy and required notification in writing prior to enforcing the policy they claim already existed. 

Note : The branch manager told me in XXXX that they would not be reversing charges anymore. But then my banking representative did reverse the charges regularly to date, so I thought she was mistaken.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
It has been 270 days of me going back in fourth with Experian on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my XXXX XXXX I know Experian has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.

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 2022-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : 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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
In XXXX of 2022, Convergent Outsourcing agreed to delete all the information regarding my Account # XXXX and request removal from the three credit bureaus. I then paid the settlement in two payments of XXXX $ totaling the full settlement of XXXX XXXX 

However, Convergent Outsourcing is now claiming that they don't have the authority to delete this account and request removal from the three credit bureaus, because it is not allowed by the original creditor. 

I am fully aware that this was a deceptive practice by Convergent Outsourcing to collect the debt. Furthermore, as the data furnisher they do have the authority to alter and remove the information provided to the credit bureaus. This company has violated my rights under The Fair Debt Collections Act.

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 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
My credit agency XXXX reported that my credit score was dropping due to a past due amount that was reported to Stern Recovery Service on XXXX XXXX XXXX XXXX 's behalf. I then contacted XXXX XXXX XXXX XXXX XXXX XXXX where XXXX confirmed the bills were for a {$290.00} blood work performed with my annual physical ( covered by my XXXX  ) and another lab that was not performed so there should be no interpretation of it. XXXX referred me to XXXX XXXX billing where I spoke to XXXX who transferred me to interpretation billing, I was disconnected so I called back and spoke with XXXX again and XXXX who suggested to check XXXX to address billing concerns : my concern being reported to a credit bureau for a bill that should not exist, and I never received. Multiple times I have requested a statement from Stern Recovery Services and XXXX XXXX XXXX XXXX showing where this balance is coming from and have not received any response. Most recently I sent a certified letter to Stern Recovery Services requesting a Debt Validation letter. This was mailed on XX/XX/2022 USPS tracking shows the request was received on XX/XX/2022 at XXXX and was accepted by an individual at the office. I have still not received a response as of XX/XX/2022. 
TO RESOLVE THIS : I AM REQUESTING A LETTER TO SEND TO MY CREDIT BUREAU AND FOR STERN RECOVERY TO CONTACT THE COLLECTIONS AGENCIES THAT I HAVE BEEN FALSELY REPORTED TO.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi, I signed up for an online business training program for {$2000.00} onetime payment or a {$2400.00} XXXX time payment with a guaranteed result to either earning our investment back within XXXX weeks or receive a refund. The only condition for such a guarantee was participation in the program. 
Many impressive stats and testimonials were presented to convince the would be participants of the the workability of the program through a big promotional push toward a once a year opportunity that was about to expire. 
Proximately XXXX people signed up starting in the XXXX of 2021 consisting of many seniors and low-income people who were lured into paying for a big pie in the sky that were not delivered. 
After the presale push and the start of the program many hoops and conditions were gradually introduced into their well-oiled deceptive psychology of marketing that we were not aware of before signing up ; conditions and requirements that if they were openly revealed to us before signing up we would have never participated. 
Currently many of the " helpless participant '' are left with an empty bag full of nothing but lots of hype filled with a bombardment of hallow ideas of online money-marketing ideas. 
I have prepared a document regarding this case and have submitted to PayPal Credit, which is managed by Synchrony Bank. I have followed up with MANY phone calls and they have badly handled my claim, through a series of employees ' errors, but also reversing their decision after resolving it in my favor giving me no logical answers for doing so. 
It appears that my XXXX GB attached document to Synchrony Bank has not been carefully reviewed to detect the fraudulent practice of " Live Your Massage '' as a company and return my funds back to my account. 
My complaint is about " Live Your Message '' as well as the Synchrony Bank known more as PayPal  Credit. My attached file- if reviewed properly- is a document that will win with hands down in a court of law.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account be deleted or updated. This is the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NJ

Complaint narrative:
On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that Experian and XXXX did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off 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 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 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 explanation