vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: American Student Assistance
State: OK

Complaint narrative:
My student loans have been sold more than once. XXXX XXXX XXXX XXXX is a collection agency for American student assistance. They have me owing XXXX. I did not borrow that much money. They have the principal at XXXX did not borrow that much. They have the interest as XXXX. Collection cost XXXX. I do not have a problem paying back what I borrowed but these fees are outrageous. I recently made arrangement to pay XXXX $ a month but I have had some changes in my income. I have tried repeatedly to contact them and never get an answer, just a voice mail I leave my name and number and why I ', calling and if they do call me back they never leave me a message. I received a letter XX/XX/2021 about the matter and said for me to call. I did and got the same no answer. I'm afraid they are going to Garnish my pay and I can't afford that.

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 2021-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
on XXXX XXXX I spoke with the mortgage company to get off my forbearance plan. I was sent trail paper work for modification. from XXXX, XXXX, XXXX, I had to make payments on the XXXX of the month. I made each payment over the phone with a customer service rep. I called end of XXXX to see would I get any upstates on how to pay my bill for XXXX since the portal never let me submit my payments. when I called the customer service they took payments of {$1100.00}. which it says it on the portal log in. the trail paper states {$1000.00}. which i was unaware I know its my fault for not reading it correctly. I was pregnant and have a newborn baby 2months now. when I called they told me my loan was breached since I didnt make the amount of {$1000.00} and now I need to have {$14000.00}. by XXXX XXXX or else my house would be in default. I feel this is unfair I take responsibility for not paying attention but again I was pregnant with a lot on my plate. I made each payment on time on the 1st. Why didnt the customer rep tell me I was short?. they accepted each payment as if it was okay over {$29.00} dollars if I would have known I would have paid it no issue. I called Lake loan care told them and the manger brushed me off said its nothing they can do and they have to move to the next caller. I really want my home I dont wan na lose it. I asked was it anything I can do I have newborn and next month ill have to lose it all. they sent me a denial letter. but why am I being denied again over such a small amount when I paid on time It was just a confusion. also why does the loan website says XXXX when I saw that I automatically figured oh this is what I have to pay. but no they took my payments and told me once it was over I breached. can anyone help me can I keep my home? its just me working my husband lost his job due to covid and im XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
XXXX XXXX {$2600.00} Closed 13 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2600.00} {$3800.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$690.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - On Time XXXX  Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements- Contact XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by 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 explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
made 2 large deposits in a new savings account and then I went to make 3rd deposit in the same account and it did not total to the correct amount that should be in my savings account. When I brought that to the tellers attention the teller advised me that there was a discrepancy in my account and she verified that it was {$1000.00} off. So the teller took me over to the bank manager she looked into the account and said it looked like my account had been hacked or fraudulent activity. I was advised that the bank was going to look into this matter and they would credit my account for the funds that were taken out of my account ( fraudulent ) .I have spoken to the chase bank manager XXXX and she advised me that my account should have been credit by now. I since received a letter from Chase bank stating that they were not going to credit my account because the letter states I benefited from this account. I believe every time I make a complaint about chase on my accounts they give me a lame excuse about my account and they can not prove how I benefited from this account and they will not show me who hacked my account and how the amount was distributed to me or whoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc.
State: MS

Complaint narrative:
southern credit recovery {$200.00} account # XXXX i have no knowledge of this balance, and this collection was done without my knowledge or consent i called i called them directly about this account but they refused to cooperate with me i also called XXXX, XXXX, XXXX  they were willing ti cooperate with me of this fraudulent error by the collections department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Chime Financial Inc
State: TX

Complaint narrative:
Disputing XXXX that has been misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
XXXX XXXX ( by Verisk ) can not provide consumer report per FCRA. 

Per the company 's website https : //fcra.verisk.com/, the only method to request for a consumer report is to call the XXXX Consumer Report Request Line at XXXX. 

However, no one answered the phone after a dozen of attempts ( within company 's business hours ). Therefore the company makes the consumer report inaccessible to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
On XXXX XXXX, I sent {$450.00} to my wife in XXXX through MoneyGram , I got my confirmation number with assurance of money being available to receiver in 1to 4 business days. After a period of time or day/days of waiting, I called MoneyGram and also tracked the transaction but there was nothing wrong with the transaction. Receiver called the agent but was told, MoneyGram never released the money to the agent in XXXX I spoke with some representatives and I was told the third party/agent in XXXX where the receiver supposed to receive the money, need to be investigated for as to why the receiver didn't get her money and I must wait after 90 days to get refund. Why must I wait for 90 days for doing legal transaction? .I asked for MoneyGram terms and conditions reference page/policies regarding to 90 days money withholding due to investigation but they couldn't give me any policy reference page. Unclaimed transfer after 90 days expired but in this case not so.They always subject me to unreasonable customer abuse for no reason, custom abuse is unlawful and not right. Anytime I sent money they suspect fraudulent activity without any proof. Countless times they cancelled the transaction without any tangible reason. Why must you hold up my money to investigate a third party agent. I really need to know because this abuse is unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
My personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.

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 2021-10-20 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:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: DISCOVER BANK
State: TX

Complaint narrative:
Hello, months have gone by and I still havent received remedy for my complaint. I have been ignored and taken advantage for several months. Discover Bank has falsely and inaccurately reported a late payment to my credit reports on XXXX XXXX.When I asked the executive office to prove that they have permission to report anything and especially an experience between us to someone or another company ; XXXX XXXX of the executive office of customer advocacy then proceeds to send me an email with a member card agreement. I Have a screenshot attached of the email with the date stated by him. Discover Bank has violated my rights as a consumer put in place by the government in the FCRA. Pursuant to the law 15 USC 1681a 2Ai it states : Report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Stated by Congress a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency or any other entity. A late payment is a transaction between the consumer and the person ( corporation ) making the report. This company reports to the credit reporting agencies. Congress says the transaction and experiences between the consumer and the person making the report is not to be included in your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
when I asked for payment suspension it was suppose to suspend my payments for awhile and payments to resume back to be the same. Now my payments have went up {$300.00} on my mortgage. My lender is with Wells Fargo

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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of PayPal. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with PayPal. XXXX changed my bank account numbers and requested the {$1000.00} back from PayPal as a case of Fraudulent transaction. PayPal returned the {$1000.00} and " Locked '' the PayPal account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency ( XXXX XXXX XXXX XXXX located in XXXX, UT ) stating I owe {$1000.00} from a PayPal account they now owned. I contacted PayPal and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the PayPal account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which PayPal has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from XXXX XXXX XXXX exactly a year later stating they now own the account and require payment. PayPal is unable to do anything because the account was sold. PayPal is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECTIONS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
Revolut blocked my account right after I deposited XXXX dollars into it and is refusing to unblock it until I send them screenshots of my XXXX XXXX with a number for a card that I do not have. I tried to explain to them that I do not have this card ending in those 4 digits but they are saying that they can not release the hold on my account until I provide them with photos. They are asking me to provide them with something I do not have, and am therefore at a stalemate with them. XXXX XXXX changes the card numbers whenever you link and unlink a card. There is no way to give them the information they request. Please intervene on my behalf.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a phone call concerning my Synchrony Bank XXXX XXXX Visa Card, I received a phone call from XXXX, XXXX - XXXX. Synchrony bank called me stating there was a credit balance showing an excess of {$1.00}. There is a billing error, any error is defined as a billing error. There is a misrepresentation of character amount showing {$1600.00}, i need documentary evidence on how this extension of credit was made. 

This is a notice of Billing error, i need documentary evidence personal goods were delivered.

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 2021-10-20 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: PA

Complaint narrative:
This information doesnt belong to me, Ive reached out to the credit bureau multiple times trying to get these items removed, the credit bureau claims that documents were never received. Please refer to documents attached

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 2021-10-20 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: VA

Complaint narrative:
My personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NY

Complaint narrative:
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

Company response to consumer: Closed with explanation