vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: ME

Complaint narrative:
As of XX/XX/XXXX when the rules for PSLF where changed I now qualify for forgiveness.I have spend HOURS and HOURS on hold with fedloan. I then get an email saying I have only made one qualifying payment. I waited on hold for an hour again and was diverted to someone who didn't know pslf information. They said I was diverted due to high call volume. This seems to be making it absurdly difficult to take advantage of a program meant to help people like me. I am furious and have no way to get help from someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing Inc ( SPS ) violated RESPA 1024.41 ( g ) Prohibition on foreclosure sale made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX. 

RESPA 1024.41 ( g ) require that : ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied; On XX/XX/XXXX we timely appealed SPSs XX/XX/XXXX SPSs Loss Mitigation decision. 
SPS DID NOT answer our Appeal and DID NOT inform us about their appeal decision prior to scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property. 

The following is a sequence of recent communications with SPS and their agents regarding this matter : 1. On XX/XX/XXXX SPS sent us their Loss Mitigation decision ( See attachment # 1 ) informing us about our right to Appeal SPS decision within 30 days 2, On XX/XX/XXXX we timely filed an Appeal of SPS Loss Mitigation decision ( See attachment # 2 ) to the email address SPS provided in Loss Mitigation decision 3, On XX/XX/XXXX we received SPS email confirming the receipt of our Appeal. ( See attachment # 3 ) 4. On XX/XX/XXXX XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX Home Equity Loan Trust, XXXX XXXX  XXXX XXXX XXXX XXXXThrough Certificates, XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 4 ) 5. On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 5 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: DC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/2021 I went into my local First Horizon bank the address being XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, to inquire about why I was charged a XXXXXXXX XXXX overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the XXXX dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I believe I was part of litigation where Santander used deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
Cares act letter attached, Late payment was reported in 2020 during the pandemic and it needs to be 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 2021-12-29 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: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
Account Number XXXX FRANKLIN COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2021 Original Amount {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  I have never had an XXXX XXXX account. This does not belong to me. I have been with XXXX XXXX for my phone since it started. And before that I had been with XXXX XXXX. 
I credit has been in the XXXX for years. All of a sudden I get this on my report and now my rating in in the XXXX XXXX. I told them this does not belong to me. 
I also had an incorrect address listed on my XXXX report and asked to be corrected as I had never lived at the address they listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XXXX, I made a money transfer using western union for the amount of {$120.00} and a tax of {$2.00} for the transaction. This transaction was made to be delivered into the receiver bank account in XXXX ( XXXX XXXX XXXX ). The receiver 's name is XXXX XXXX XXXX. Western Union told me that the money will be paid into the receiver 's bank account by XXXX. On XXXX, the money was not still available in the receiver 's bank account as promised by western union. I called western union on XXXX, they gave a case number ( XXXX ) and asked me to wait for 24-48 hours that the money will be available. Up to this point, anytime I called any of western union 's phone numbers ( XXXX, XXXX ), they keep dropping my calls. The money was met to be used to pay rent in XXXX and the receiver is about to lose their home. Please, I need an urgent solution to resolve this problem caused by the western union. 
Also, the tracking number ( XXXX ) is XXXX gave to me by western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
XXXXXXXX XXXX  branch/ security loan- calls me every XXXX weeks and leaves a voicemail for YEARS. This is NOT my debt and they are trying to collect from XXXX XXXX who is my sister in law. I do not talk to her and have never had a relationship or friendship with her even though she is my husbands sister. She put me down as a reference probably knowing she wasnt going to pay them. I have requested multiple times for them to remove me because I do not talk to her. Im not sure how old this debt is but they used my maiden name and I have been married for 10 years now. Its frustrating because my husband and I are very responsible and have great credit ( XXXX both of us ). We do not do these payday little loans and I should not be harassed by this company when this debt has nothing to do with me or my husband. I have talked to someone at the XXXX XXXX branch, XXXX and XXXX also corporate.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I pay the card on time every month I thought I set up payment on line but didnt I paid payment 2 days later. I requested late charge be waived they wouldnt waive due to my grandma couldnt talk Bc in hospital due for XXXX. I didnt want to upset her while in hospital. I make all payments advised them to look at payments being made. Im authorized on the account also I help my grandma with her bills. Also I spoke to manager XXXX ( XXXX ) she told me her manager couldnt call me and no other manager could call or resolve issue. I told her to put in complaint and she said they will just note account and no one will call back to resolve or write back to resolve the issue. She offered to give a XXXX credit but then came back and couldnt do it Bc it wasnt my grandma also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
according too 15 U.S codes 1635 ( b ) Return of money or property following rescission. ( downpayment ) {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: LoanCare, LLC
State: TX

Complaint narrative:
I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with LOANCARE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.

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 2021-12-29 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:
XXXX : I sold my home at XXXX XXXX address of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as reflected on the executed XXXX Title and Trust Master Statement attached. 

XXXX : Per the attached XXXX statement provided by XXXX XXXX, I fully paid the XXXX " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the balance to {$0.00}. 

XXXX : It also shows that I cancelled the service - see " CANCELLED - ELECTRIC SERVICE '' and paid a total of " {$250.00} " to bring the account balance to " {$0.00} '' Per the fully executed XXXX Title and Trust Master Statement, this service address was no longer my responsibility as XXXX - and I made sure to fully pay the " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the account balance to " {$0.00} ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I disputed an ( XXXX XXXX ) account on my credit report. Initially, it was deleted, but Transunion keep re-installing the debt. This has been going on for the past few months. I keep disputing, they keep deleting and re-installing. This cant be legal, once an item gets deleted it should stay deleted. This is constantly hurting my credit score every time they add new negative items to my credit report. Please help me with this matter. I have attached proof showing that the account was deleted and re-installed. The most recent date is XX/XX/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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Dear Sir or Madam : On XXXX XXXX, I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against XXXX under the Dodd-Frank Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP
State: DC

Complaint narrative:
XX/XX/XXXX : Received email from KeyBank, who issues a pre-paid debit card pertaining to child support payments made to the Alabama Department of Human Resources ( DHR ) Child Support division, about " rewards expiring. '' XX/XX/XXXX : Received another email from KeyBank stating it is my " last day to redeem your rewards! '' XX/XX/XXXX : Called KeyBank ( XXXX ) to confirm card ( which expired XX/XX/XXXX ) was cancelled. Told by XXXX ( KeyBank ) she could not close the account as the AL Child Support needed to make that request. Asked to speak with supervisor. Spoke with XXXX and she recommended I call XXXX  XXXX, gave me the XXXX phone number ( XXXX ) and said she hoped I could resolve the issue. 
XX/XX/XXXX : Contact XXXX  XXXX to request closure of card. Told they no longer do business with KeyBank and would not be able to contact KeyBank to close the card. Stated the card is in my name and I need to close it. 
XX/XX/XXXX : Contacted CFPB to ensure that KeyBank is required, by law, to close the account at my request since the card is in my name and uses my information to retain that card and spoke with XXXX. 
XX/XX/XXXX : Contacted KeyBank, spoke with XXXX, who escalated my issue and said I would be called back within 24-48 hours. 
XX/XX/XXXX : XXXX, a supervisor from KeyBank, called and he said he is unable to close my account due to the company policy that XXXX XXXX will need to make that request even though the account is in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: OH

Complaint narrative:
I was surprised to find on my credit report a debt in the amount of {$4500.00} from XXXX XXXX XXXX representing XXXX XXXX XXXXXXXX XXXX from a medical emergency in XXXX. I never received written correspondence from either XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. 
When I saw this on my credit report on Monday XX/XX/XXXX, I immediately contacted my medical insurer at that time, XXXX XXXX ( a XXXX XXXX XXXX ) and spoke with XXXX. XXXX checked their records and told me that XXXX XXXX XXXX never contacted XXXX XXXX requesting payment for services that were supposedly rendered to me on XXXX which were the dates I received medical attention. XXXX and I both tried to look up information online for XXXX XXXX XXXX XXXX and the phone numbers we found were both disconnected. 
XXXX did note however that XXXX XXXX did negotiate and pay for anesthesia services to XXXX XXXX. We made a conference call to XXXX XXXX which was recorded and spoke with XXXX in XXXX XXXX Billing ( Phone # : XXXX ). XXXX confirmed that the XXXX services I received was paid in full, and promised that XXXX XXXX would have this information removed from my credit report within 24-48 hours. 
When this did not happen, I disputed this information with XXXX on XX/XX/XXXX. XXXX has not removed this information from my credit report, siding with XXXX XXXX XXXX for unknown reasons. 
This is why I am turning to you for help, because I have exhausted all of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent b

elow. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 605 ( c ) running if the period ha
s also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-29 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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