vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY

Complaint narrative:
On XXXX Select Portfolio Servicing received a check from me for approximately {$95.00} to move my payment date from the XXXX of the month to the XXXX of the month. I get paid in the XXXX and the XXXX of every month. If the XXXX falls on a Saturday I do not get paid until the following Monday. I was told the transaction would take thirteen business days to complete. 
The next few months I would call in to make my payment on their automated service. If I made the payment on the second or third of the month the automated service would say the payment was past due. 
I called in to ask why the automated service was saying the payment was past due when the payment date was moved to the XXXX of the month. I was informed then the payment date was not moved to the XXXX. But the payment was not really past due until the XXXX. And that they would contact the appropriate department to get the payment date changed to the XXXX. 
Again I thought the problem was CORRECTED. FOR THE LAST THREE MONTHS when I call in to make my payment I have spent an hour on the telephone asking why the payment date was not moved. While making my XXXX payment I was told I would have to send in another interest payment to get the payment date moved. I BLEW UP AND REQUESTED HER SUPERVISOR! He assured me the problem would be cured! 
I just made the XXXX payment AND NOT TO MY SUPRISE THE PAYMENT DATE WAS STILL THE XXXX OF THE MONTH! 
I again spent an hour on the phone getting to another supervisor just to have him XXXX XXXX XXXX XXXX  XXXX telling me the same lies I had been told tge last 4 months! 
I told him we were 59 days from THE FIRST year anniversary of the day THEY RECEIVED MY CHECK TO TAKE 13 BUSINESS DAYS TO MOVE MY PAYMENT DATE! 
SPS has hurt MINE AND HOW MANY OTHERS credit rating BY THEIR FRAUDULENT ACTIONS! 
I want my payment date changed and I WANT SPS TO CONTACT ALL CREDIT RATING COMPANIES AND MAKE SURE I DO NOT SHOW A LATE PAYMENT TO SPS SINCE XXXX TO XXXX. 
I ALSO AM REQUESTING AND AND ALL LATE FEES BE REIMBURSED TO ME BY CHECK IN A TIMELY MANNER! 
I AM ALSO REQUESTING SPS BE AUDITED TO SEE HOW DEEP THIS SCAM THEY HAVE BEEN PULLING ON ME REALLY GOES! 
I WANT SPS TO RESPOND TO ME IN WRITING FROM TODAY FORWARD. BECAUSE THEIR TELEPHONE SERVICE AND EMPLOYEES LIE THRU THEIR TEETH! 
SPS DOES NOT DISPUTE THEY RECIEVED MY CHECK ON XXXX TO CHANGE THE DATE. THEY JUST WONT CHANGE IT!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not have permissible permission to send my credit report for the XXXX XXXX XXXX XXXX loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
There was a check deposited into my SunTrust bank account 3 weeks ago and according to SunTrust bank the check was returned. Since this was established, my checking account has been frozen. I called the bank and I asked will I be able to withdraw my Social Security XXXX insurance funds when it's available, and I was told that I could retrieve my funds on the day of deposit by going to a branch location. That was obviously a lie. According to this financial institution, my account is under investigation, and this so called investigation is going on 4 weeks. I was told today that there is no certain time when my funds will be available to me and I know from dealing with XXXX  XXXX XXXX that a financial institution can not hold government funds from individuals like they are doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
PlusFour Collections has {$210.00} on my credit reports. I've disputed them twice ; they apparently validate the debt but never respond to my dispute stating that I never received even one invoice from this company indicating what this debt is for. There is no account number listed on my credit reports. I couldn't make a payment even if I wanted to because these people won't respond with an invoice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
First off the company began calling me so much it felt like harassment and on every call I would let the rep know this was not a debt I owed and to please stop contacting or to send detailed info of the account to my address and I have yet to receive but the company had reported it on my credit. They stated a date of 2014 when I had not been to any doctor visit I was actually off in college that year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't really accept that I had this record with these authorities/leasers. I attempted a couple of times to get in contact with them and solicitation proprietorship verification, however, they neglected to give me the significant desk work to demonstrate that I really own this record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my second complaint on consumerfinance.gov regarding this issue. I sent dispute letters to the credit reporting bureaus in the past and again in XXXX and XXXX disputing information that is inaccurate and not mine on my credit report but they are still updating the account and leaving it on my report. I sent 609 letters letting them know the accounts are inaccurate and to please provide statements and records of all payments made and missed since I opened those accounts but they have not. There are some accounts that are charged off but accounts has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. This also falsely manipulates the statute of limitations.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below.
According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
from TD bank, i can not open new account due to problem of depositing check then they considered as a fraud. they already put a final decision to be ended relationship with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
The amount they are claiming that I owe is the incorrect amount. I have discussed this with the company ( XXXX XXXX ) and this company is still harassing me stating that I owe a larger amount than I actually owe. I find the threats disrespectful, as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I went to a mechanic that I was referred to by my veterans coordinator XXXX XXXX with XXXX XXXX XXXXXXXX. He mechanic XXXX at XXXX XXXX  has helped other veterans before me and the program paid him for it. We spoke prior to bringing in. He charged my card {$400.00} and it was not authorized, the merchant lied to Chime bank because now he is trying to reverse it but CHIME FEELS IT HAD TO INVESTIGATE UNTIL XXXX. I kept telling CHIME that I am in possession of my card, the merchant made mistake. Im about to be evicted because I disputed transactions with Chime will not be recetify and letting a veteran go homelessTHE MERCHANT IS WILLING TO REVERSE BUT CHIME I HOT TO WAIT UNTIL XXXX, I will be kicked out by the end of next week and I am just going to end my life because I just got my place after being XXXX  for 10 yrs. Chime will not contact the merchant that is waiting to resolve the issue.CHIME NANK IS A RIP OFF DO KIT USE THEY KEE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Diversified Adjustment Service, Inc. At XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MN XXXX, has been sending me collection notices in the amount of {$1600.00}, the collection has been as reported pass due. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good morning, XXXX failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and Equifax ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good morning, XXXX failed to notify all 3 major Credit Bureau ( Experian, XXXX  and XXXX  ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 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 non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Students First Limited Liability Co.
State: AR

Complaint narrative:
On XX/XX/XXXX, I was contacted by a company called Students First ( Saving Students Money ) by XXXX XXXX to discuss my federal loan repayment. She had left several messages of my phone in the 7 days prior, but I had not picked up. Anyways, on this day, I spoke with her and she described that she was with a third party company that could help transfer my loans from XXXX XXXX to the US Department of Education. In addition, Students First would help get me enrolled into Public Service Loan Forgiveness if I was eligible, and lastly after 4 monthly payments of approximately {$250.00}, reduce my monthly payments to around {$50.00} per month for the duration of my 10 year loan repayment. I was extremely suspicious from the outset, but XXXX XXXX had taken around 8 months to process the eligibility of my employer for PSFL, which was extremely frustrating, so I thought this might be a good option to hear out. The counselor was aggressive about having me pay for the first payment that day, and I continued to have my reservations. I told her I would call her back, so that I could look online about the legitimacy of this company. They had a website, the counselor seemed to be knowledgable, and I really was anxious to get started on making payments that would count towards PSLF. I called XXXX XXXX back and asked her to clarify what Students First role was and how it would help. While still at work on XX/XX/XXXX, I ended up signing a service agreement with Students First and making the first payment of {$250.00} over the phone. All the while, I continued to have trepidation about the interaction and the speed with which it occurred. Over the next several days, I emailed the information they requested including PSLF form ( which I already submitted to XXXX XXXX ), paycheck stub, and XXXX  tax return. I called XXXX XXXX at the phone number provided to confirm receipt of those documents, and she confirmed. One month later on XX/XX/XXXX, I continued to have my doubts as to the legitimacy of this company and how they fit into the XXXX no longer being a student loans servicer. I decided to email XXXX XXXX a simple question about a Perkins Loan, and the email was immediately returned to me. My stomach sank, as it began to set in that this probably was a scam. I looked online for reviews of Students First, and I couldn't find any. I started to emailed to research student loan repayment scams, and my experience with Students First basically checked every box, including the upfront payment. I've emailed XXXX XXXX and US Department of Education to see if they knew anything about Students First Company or if they were a scam. Now, I'm sharing my experience here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a credit card with Bank of America in the past, It was Credit Card XXXX XXXX.but before I closed my credit card. I had some late fee payment affected to my credit report which is leading me to get credit card delinquency occurs when a cardholder falls behind on making required monthly payments.it still stays on my credit report and I couldn't do anything.please help 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 2021-09-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Hello, I was issued a prepaid card for {$750.00} from my employer with ADPMoneyNetwork, and when I called the number to activate it, there is only XXXX on it. Also, I am not able to register for an account on the website or app, moneynetwork.com. All of the information I entered is correct. 

I called customer service at XXXX and provided my information, then I was told that my birthday information was wrong and I need to send a copy of an ID with a birthdate on it to a fax number, which is XXXX. When I asked why my birthday information was incorrect I was told that I have to send that document or my account would be closed and I would lose my funds. I was just told that my birthday was the wrong month so I needed to send them a document proving otherwise. I never gave them this information in the first place so I don't know how they got it wrong. 

I can not get through to anyone on the phone or on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: NJ

Complaint narrative:
This is my second complaint on consumerfinance.gov regarding this issue. I sent dispute letters to the credit reporting bureaus in the past and again in XXXX and XXXX disputing information that is inaccurate and not mine on my credit report but they are still updating the account and leaving it on my report. I sent 609 letters letting them know the accounts are inaccurate and to please provide statements and records of all payments made and missed since I opened those accounts but they have not. There are some accounts that are charged off but accounts has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. This also falsely manipulates the statute of limitations.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validatio
n constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had already closed this account for a long time. I called them and telling them to call it. but I did not realize the account was overdrawn me {$710.00} for no reason then now I couldn't open new account.please help 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 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I can not open new account due to fraud problem and the bank considered as a risk then they permanently end relationship with me for no time and they said once this final decision has made it will be irreversible.please help me.

Company response to consumer: Closed with explanation