vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: AES/PHEAA
State: CA

Complaint narrative:
Hi, I currently paid {$1000.00} to my FedLoan Servicing : https : //myfedloan.org/. They accepted the Payment on XX/XX/XXXX but the remaining income stay the same. The orignal amount was {$5900.00} but it did not go down to {$4000.00}. They accepted payment and tells me they couldn't find my payment record for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-04-30 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: AL

Complaint narrative:
My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: AL

Complaint narrative:
My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
.First I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.

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 2022-04-30 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: AL

Complaint narrative:
THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX  15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by Transworld Systems ( TSIXXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from Transworld listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with Transworld back in XXXX. I then tried to obtain deletion directly from Transworld and they refused. I then disputed with XXXX, XXXX and XXXX and XXXX deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at XXXX and/or Transworld are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining Transworld accounts should be deleted by XXXX so I can obtain credit score lift. In fact, the 4 medical collections from XXXX  never should have reached Transworld for adverse listing against me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LOGICOLL, LLC
State: CA

Complaint narrative:
Repeated automated phone calls, and then refusal to answer when I return calls or email back in an attempt to pay the debt. I have made every reasonable effort to pay my debt and have been unable to communicate to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
One month ago, I cancelled my XXXX XXXX Credit Card because I didn't need it. On XX/XX/XXXX, I got an alert through my email to check XXXX that a new card had been opened through XXXX XXXX XXXX XXXX. This is through Barclays. I never authorized or requested a new card. I did call to have the card closed. However it still shows open on my credit report. Plus, they still have my personal information.

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 2022-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I Applied for forbearance covid hardship XX/XX/2022 XXXXdid n't hear anything at all, finally I called company around XXXX.the person I talked to said yes she'll put us on the forbearance but that we only have til end of XXXX.because I guess XXXX must be the cut off date.i said that's fine I wasn't trying to be on it forever anyways, just need to get back on my feet.she said id be getting some paper in mail in about a week.i asked her about paying the missed payments and I wanted to do it with the stand alone offer.theyll talk about it with you when you leave forbearance, she just didn't want to get into it.so only thing I knew was we are now on the program til end of XXXX. well I never got any paperwork so I called back XX/XX/2022 and talked to XXXX she assured me paperwork is coming and also informed me I should pay my escrow or I might be hit with shortages when getting off forbearance. {$560.00} a month.glad I learned that.well I've been getting nervous because still nothing in writing to even prove I'm really on forbearance.waiting, waiting, waiting, so I called again today XX/XX/2022 waited for 3 hours on hold .was still on hold when my mail came finally something from them.well its a 1 page letter telling me they are notifying me that they are going to get an appraisal to get the value of the property as part of loss and mitigation and that they are charging me for it.how is this I'm having trouble with my mortgage.hello how am I gon na pay for this .is this legal, what are my rights on this.now I completely do not trust them .they arent trying to work with me, help me like the CARES ACT says there suppose to.I WANT PAPER WORK SAYING IM ON FORBEARANCE, then the letter says to talk about it call the number I was just on hold for 3 hours, what is going on are they gon na help me or try to take my house. this is CHFA can any of these people just help .I didnt apply for loss and mitigation .I 'm covid 19 hardship forbearance.it sounds like they don't even know that.so now ill be worrying until im off it and I know there not trying to take my house.no piece of mind .kind of defeats the purpose of the program dont you think.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
1. ) Reported Fraud FTC report - XXXX. Issues unresolved. 
2. ) Submitted complaint - XXXX. Issues unresolved CRA- Illegally re-aging negative account info. The accounts must be deleted. 

Included are the steps I have taken from the FTC to have fraudulent information blocked from report for the negative items in my report as a result of fraud. 

( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements.

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 2022-04-30 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: OH

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2022-04-30 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: AL

Complaint narrative:
THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2022-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Lowes Synchrony Bank card. 
On XX/XX/XXXX XXXX XXXX I recived an email that my payment was due soon. ( attached screen shot ) I knew I already scheduled a payment. I went to the card services portion of the lowes app and there was no pending record or applied record of my payment. The activity only shows my next payment, and a payment due ( Attached screen shot ) This is misleading and could cause me to make a double payment when one is not needed. 

I went to the website version and I could see everything. ( Attached screen shot )

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 2022-04-30 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: MD

Complaint narrative:
My virtual card number from Citi credit card was stolen and been used on fraudulent online purchase. The fraudulent purchase happened on XX/XX/2021 for the amount of {$95.00}. I filed dispute to Citi Cards on phone and told the CSR that it is fraudulent purchase. However Citi Cards still categorized the dispute as " Canceled service / goods '' instead of internet fraud. After reviewed the information provided by the merchant, Citi Cards made the decision that I am responsible for the fraudulent charge, even the information on the merchant receipt does match my personal information. 
In the process, I have never received any mail from Citi Cards regarding this dispute. I had to login to my online account to follow the dispute status. 
I should not be responsible for any internet fraud according to federal regulations. The practice of Citi Cards on this dispute is clearly against federal regulations.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
I have a complain against Alliant Credit Union. 

Alliant Credit Union pulled out my credit report without my permission and reported I have a credit card with Alliant Credit Union, Which I am not even a member of a Alliant Credit Union. I applied membership in the past, but I was denied for membership. How come I can have an Alliant Credit Union Credit Card when I am not a member????? 

I have contacted Alliant Credit Union and let 's them know my concern. However, Alliant Credit Union has never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation
State: FL

Complaint narrative:
Hello- I purchased my home in XX/XX/XXXX, during that time the mortgage company made a mistake and did not apply the interest rate that was agreed upon. Therefore, I had to pay more in closing. The mortgage broker XXXX XXXX sent me an email acknowledging her mistake and stated that I would be created the difference which was about ~ {$800.00}. Since that time ( XX/XX/XXXX ) I have reached out to the mortgage company and XXXX several times and was promised that the check was issued. I never received the check. You can see in the attachment in XX/XX/XXXX, I was once again told that the check was issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, my elderly mother discovered that her home health aid had stolen her checkbook and written approximately XXXX checks to herself, emptying my mother 's account. My mother reported the theft to PNC and identified the forged checks. The branch XXXX called the police, who came to the bank and took a report. The XXXX also submitted a dispute for the forged checks, which totaled over {$20000.00}. For the next six months my mother and I regularly contacted PNC, which kept telling us to wait and be patient because it was still investigating. On XX/XX/XXXX, my mother died of XXXX XXXX XXXX. I notified PNC of her death. PNC told me it was still investigating the forgeries and that it would contact me soon, but it never did. Is there a law that requires PNC to perform a timely investigation? It's been more than six months, My mother 's name was XXXX XXXX. The account is titled " XXXX XXXX XXXX XXXX XXXX. '' I am the trustee.

Company response to consumer: Closed with explanation