vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
" Your federal tax refund will be returned to you if your refund was in the process of being withheldon or after XX/XX/2020, the date the president announced executive actions related to the COVID-19 national emergencyfor the repayment of a defaulted federal student loan. Your federal tax refund will not be returned to you if the process to withhold your refund was completed before XX/XX/2020 ''. 

On my letter shows XX/XX/2020 has the Department of Education states need to return my Refund. I have attached the document from the Treasury Department it was taken on XX/XX/2020. 

I did not make any arraignments by phone or any type of communication directly to you. I need back my 3 years refund and will not call number provided because this is not my loan and invest time calling to get my funds back. It your obligation to return 3 years of refund and if not will file a suit against you for fraud and any damages that were incurred in this 3 years to collect my refund back. 

I will settle by returning my refund back of 3 years and take off the loans off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, Equifax, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a negative remark from this company. Due to COVID-19, I called them let them know I had been laid off from work and I was unable to make a payment for the month of XXXX and XXXX payment I would be able to pay what I owe. I asked them since there is a pandemic is it possible, the representative said it is ok. Now I have a late and It is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL, INC.
State: UT

Complaint narrative:
Coast Professional has illegally reported to XXXX a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed 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 explanation
Consumer complaint received 2020-04-16 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 am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, XXXX, and TransUnion. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the 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 2020-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with Experian, XXXX, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the 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 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My banks executive office told me they would offer the debit card contactless this year and that they would let me know they never did I just want to know if this is available upon request because my debit card still only has a chip no XXXX symbol they told me a few months ago that they will offer it early 2020 but when I called customer service to ask they dont know what this is unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: GA

Complaint narrative:
XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Experian that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When will my bank offer latest card technology they still dont have the tap pay feature on the debit card its amazing how on the credit cards it has it but not my debit card I cant tap to pay only chip!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX has illegally reported to Experian a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed 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 2020-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: AES/PHEAA
State: IN

Complaint narrative:
That wasnt me that took the loan out nor attended that school so how was it proven it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be 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 explanation
Consumer complaint received 2020-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or  has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be 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 explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: TN

Complaint narrative:
On XX/XX/XXXX of this year, my wife and I applied to refinance our VA loan to a VA refinance for IRRL, from 4 % to 2.75 %. When the Mortgage Processors reached out to request document uploads, they provided the Loan Estimate on XXXX, so within the 3 day business days, from there I reviewed all fees on the LE and closing costs. I received a second email a day or so later requesting that I pay a {$150.00} application fee, which was a surprise to me because nowhere on the loan estimate, itemization of fees, or the advance fee deposit agreement. After I informed the processor that I wasn't going to pay the fee and take my business elsewhere, this was her response : " Hi Mr. XXXX, I just reviewed your file and youre absolutely correct, the application fee was not listed on the Loan Estimate. Since this fee was not properly disclosed to you at the time of application, we can not charge it to you. Please disregard the request to pay the application fee. My apologies for this oversight on my part. I appreciate you brining this to my attention. '' XXXX XXXX A couple days have since passed from the date of that last response, and I have received this today : " Hi Mr. XXXX, I hope that you are having a good week so far. I just wanted to follow up with you regarding my error in stating that you would be charged an application fee and to see if you have any questions. As I previously stated, you will NOT be charged the application fee as it was not disclosed to you initially. The only fees that will be charged to you are the ones that have already been disclosed to you on your Loan Estimate. I am happy to discuss over the phone if you like, just let me know the best time to reach you. My deepest apologies for my error and any confusion I caused regarding the fees you would be charged. 

Have a great evening, '' On my client " to do list '', there is still a requirement to pay this erroneous fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
That wasnt me that took the loan out nor attended that school so how was it proven it was 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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank holds a business credit card in my name for over {$40000.00}, and I have not been with the company for 12 months. In XX/XX/2019, when I was last with the company, the credit card was only {$20000.00}. They've refused to transfer over the card to the new Partners of the business, even though I've shown them, through the Secretary of State 's website, that I am no longer a part of the business. 

With this, Chase Bank has not notified me of when the payments are due. With this, they are not allowing me to make the payment online. They are now reporting that I've missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Below is an email I sent to Equifax 11 business days ago ( on XX/XX/2020 ). I immediately received an automatic reply saying they received my email and would reach out soon, and I have not received anything from them since. 
________ Hi, I tried to do this online, but when I login with my correct username and password I see the screen below : [ Screenshot of their webpage which only told me to give them a call, with no additional information ] I gave you a call, as requested, and after entering all my identity verification details into the automated system and spending 1 hour and 15 minutes on hold listening to music, during business hours, I had to hang up. 

I need to dispute a hard credit check that shows up on my credit statement in XX/XX/2020 that looks like it's from XXXX XXXX Bank credit cards, though I'm not sure. I did not apply for a credit card in that month or approve any hard credit checks. 

I would also like to freeze my credit immediately, so that no one can apply for new lines of credit or run hard checks. 

I was able to do this easily, online, in minutes at XXXX and XXXX, but not with you Equifax. You're the most difficult to deal with. 

Please make my online account work, investigate this unauthorized credit check in XXXX, and freeze my account immediately. 

If I do not hear back within 2 business days, I will submit a complaint with the Consumer Financial Protection Bureau. 

Regards, -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
In XX/XX/2020, Alliant Credit Union charged me an extra $ XXXX for not having insurance on my vehicle. I have had ongoing insurance on my vehicle through ridesharing apps and through XXXX XXXX. When I showed them proof of this, they only reduced the extra fee. They did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
This is a follow up to compliant number XXXX I was told to contact XXXX XXXX phone number XXXX I called her over 10 times she never answers the phone or voicemails company is still calculating loan wrong charging me unauthorized fee such as XXXX every time I make a payment. I keep making payments and they are not applying it to principal as they are supposed to. I am disputing the XXXX fee every time I make a payment since is not in the contract. They have total amount paid ahead is XXXX I made multiple payments they never apply the extra to principal flagship keeps saying I have to call them every time I want to do that apply extra to principal. They are stressing me out I XXXX XXXX have a XXXX medical condition I WILL HOLD FLAGSHIP CREDIT ACCEPTANCE liability for any health problems cause by my stress they keep on applying incorrect amount to principal so interest will keep going up. I read contract there is zero mention of XXXX fee every time you make a payment they need to get sue and shut down. Everyday my balance keeps going up they are overcharging me every day instead of XXXX dollars a day they are charging me like XXXX. There is also a dispute when interest starts to incur I was told by dealer it starts first day of payment due date since they haven't bought the contract from dealer yet, but according to flagship they are charging me since the first day that I sign contract when they didn't even have the contract yet. I also believe due to the Coronavirus they made a law in California where they are not supposed to charge 3 months of interest but the company is doing nothing to help customers affected by coronavirus!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation