vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-06-23 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: NJ

Complaint narrative:
This is my SECOND complaint regarding the violation laws Equifax and XXXX have down causing me to be affected harshly through credit denials. 

I have several inaccuracies and inconsistencies in the bankruptcy reporting on my credit report. Since XX/XX/XXXX I have been disputed the reporting with all 3 credit bureaus as well the 3rd party data agencies XXXX and XXXX. 
XXXX quickly agreed with the inaccuracy and removed the reporting but both Equifax and XXXX have consistently responded to me with the same responses stating the bankruptcy has been verified. 
I sent letters to the courthouse the bankruptcy was filed to request how they go about verifying with the credit bureaus on reportings and they replied stating they do not furnish information to the credit bureaus. 
I then sent a letter to XXXX disputing the validity of the bankruptcy reporting and they responded by deleting the bankruptcy in XXXX stating they were unable to verify the accuracy. 
I contacted XXXX because in my research, I found on XXXX 's website at XXXX XXXX XXXX that they are furnish bankruptcies to XXXX, but they only furnish bankruptcies from XXXX to the present to XXXX and older bankruptcies are verified by XXXX from XXXX. I sent a letter to double check this and their response was that XXXX verified mine with XXXX. 
Both Equifax and XXXX have sent monthly responses to my dispute letters stating they verified the bankruptcy with XXXX. This is NOT POSSIBLE because XXXX deleted the bankruptcy back in XX/XX/XXXX. This means Equifax and XXXX are not and did not conduct an actual and proper investigation and are violating my consumer rights! Them continuing to report the bankruptcy is illegal! 

I'm attaching the letters I sent and their responses to this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had Checking account with Citi with balance of {$15000.00}. Suspecting fraud activity, citi closed my account and not refunding my money back. There was no proper investigation done by citi and never reached out to me for clarifications. Its my hard earned money which I transffered from my XXXX XXXX account to citi. I have bank statemnets to show. 
When I first contacted Citi fraud departmen, they informed me that I will recieve my check of refund amount on my mailing address in 60 days, now after 2 months they informing that money wont be returned. 
Its really frustating to fight for own money and citi made decision without consulting me.I want to file complaint against citi for not refunding my money. 
I can provide bank statements from my XXXX  ( source ) to destination citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that American Express has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with American Express. I'm confident that there is an enormous amount of egregious violations with my credit card statements with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
Hello. I handed in my XXXX application and FedLoan received it on XX/XX/2022. I have been waiting for appropriate communications from them as to what to do next. I decided to contact them XX/XX/2022. They wrote back on XX/XX/2022 stating that I needed to hand in the first page of the application again. This is ridiculous due to the fact that the completed application was received on XX/XX/2022. They received updated employment verification forms on XX/XX/2022. I refaxed the first page of the application on XX/XX/2022 dated from XX/XX/2022. FedLoan does not contact me and has me waiting without proper instructions. There are others who have received forgiveness before me due to their poor management of my application. I have been working for not-for-profit employment sites over 11 years. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Sometime in XX/XX/2022, a new American Express credit card account was opened in my name without my knowledge or authorization. The opening appeared on all three of my credit reports. 

My wife and I both assumed it had to be by a fraudulent actor, but when we contacted American Express ( more than an hour on the phone talking to more than 5 individuals ), they finally admitted that the account was opened in my name because my wife requested I be added to her EXISTING account. No one informed my wife that a new account was going to be opened. She would have refused if they had. 

Neither my wife nor I authorized a new account in my name yet it appeared on MY credit reports. American Express acted like that's the way they do it and they see no problem opening a new account without authorization from the individual whose credit report will reflect the new account. They further implied that they would not even check to see if maybe my wife and I were divorced ( we are not ). They would be happy to let an ex-spouse create a new account in the other 's name and run up charges against that person and there is nothing the person can do about it. 

I did finally get American Express to close the account on XXXX XXXX, but now the opening and closing of a new {$20000.00} credit limit appears on my reports forever. Actually, I will have to pay money to get new reports to verify that the closing actually took place. 

I thought I had frozen/locked all three of my credit reports but that's another issue I have to look into. 

I suspect American Express employees are being pressured to open lots of new accounts without telling the account holders. Same thing XXXX XXXX was doing some years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
What is this? I never received any communication from the collection agency, and as you can see, there isn't even an account number listed. How could they possibly have taken steps in making sure they were putting this on the right report? I want it removed immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX***************XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-06-23 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: AES/PHEAA
State: AZ

Complaint narrative:
My federal student loans are currently being handled by FedLoan Servicing and are about to be transferred to XXXX. 

In XX/XX/2022, I made a final payment on my loans and received notice that they had been paid in full. In XX/XX/2022 I determined that I would like the final payment refunded as is my right under the CARES Act, thus I submitted a request for a full refund of my final payment in the amount of {$11000.00}. 

This refund was processed and I can now see the principal balance of {$11000.00} as expected, however there is an additional charge of {$65.00} in outstanding interest. There was no outstanding interest at the time of my final payment, and given the federal pause on assessing interest on student loans is still in effect, this charge is illegal. 

I called customer service to inquire, they looked into it and informed me the interest had been assessed prior to the pandemic. This is false. I requested all of my records from FedLoan Servicing via a FOIA request several months ago, and these records clearly indicate that there was *no outstanding interest* on my account when the pause went into effect. My account clearly indicated that there was no outstanding interest when I made the final payment. Furthermore I did receive and have a copy of my letter from Fedloan Servicing that my loans had been paid in full as of the final XXXX payment in the amount of {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened my account XX/XX/XXXX with Synchrony Bank care credit, they emailed me while XXXX that my account was scheduled to be closed due to inactivity. However, I reached out to their service agent via text and described the issue explaining I was XXXX overseas XX/XX/XXXX and asked to please not close the account. They assured me they were aware and my account would remain in good standing. Then come to find out XX/XX/XXXX my account has been closed and reported to the credit bureaus. I tried reaching out to the company same day, to reopen my account they stated I had to reapply. I am at no fault for this incident and was assured my account would remain in good standing, yet while serving my country, my credit has been negative impacted and I am to apply again for another hard credit pull? Absolutely ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2022, Pioneer Credit Recovery of XXXX, NY identified an alleged debt, which I do not owe. 

On XX/XX/2022, I wrote a dispute letter to Pioneer, requesting that they stop communication with me, record my dispute, and provide verification of the debt if they believe otherwise. 

Pioneer has not responded with verification, but has attempted to collect the debt since then by phone ( XX/XX/2022 ) and mail ( XX/XX/2022 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 explanation
Consumer complaint received 2022-06-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: ADP Inc.
State: NV

Complaint narrative:
Hello I have received a master card ( wisely pay ) from my employer and everything was working until I couldnt use my card on Sunday it was locked I called customer service they told me my birthday info was incorrect I was confused they told me to send them a picture of my ssn and date of birth Through a link after that I waited two days and still my card is locked I called again they told me the same thing so I sent them the photos again and still nothing I have called them and they are still saying 1-2 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Dear Sirs, My issue is with Freedom Mortgage. I have an escrow account with this mortgage servicer. This is the second year that I have had my mortgage with this company. My insurance carrier is XXXX. XXXX provides my hazard insurance policy and my earthquake insurance policy alike. 
In XXXX Freedom Mortgage paid both of these policies together. This year, XXXX Freedom Mortgage paid hazard insurance in a timely fashion. These funds were extracted from my escrow account. I later received the bill from XXXX inquiring payment for the earthquake insurance. 
Upon due diligence on my part I came to find out that Freedom Mortgage had not paid the earthquake insurance. Freedom mortgage stated that they will not be paying the earthquake insurance due to the fact that it is a not needed insurance to satisfy my loan requirements. My earthquake insurance policy is {$210.00} per year. Upon payment of my hazard insurance there was a balance of {$350.00} in my escrow account. All other funding has been satisfied for the fiscal year of XXXX. Through telephone calls I requested that Freedom Mortgage send me a check for the balance of the earthquake insurance, {$210.00}. This request was made on XX/XX/XXXX. On XX/XX/XXXX. I called Freedom Mortgage to inquire the status of my request. I was informed that a check for less than {$98.00} was mailed out to me on Friday, XX/XX/XXXX. 
Here is my complaint : Throughout the past year Freedom Mortgage collected funds from my monthly payments to supplement the two insurance policies. There was enough money in my escrow account for a total refund to cover my earthquake insurance policy. Total amount per year that my escrow account needs to cover his less than {$1.00}, XXXX. With a refund of less than {$98.00}. The buffer in my escrow account is a little over {$200.00}. For a escrow account to pay out {$1100.00} per year I do not believe a 20 % buffer is necessary. A 10 % buffer would be adequate. If they had refunded me to {$210.00} freedom mortgage would have a 10 % buffer in my account. I do want to reiterate that this was money collected throughout the year to fund these policies. And there was two adjustments done to my escrow account to satisfy the policies throughout the XXXX fiscal year. In today 's time finding {$110.00} extra dollars ( {$210.00} - {$98.00} = {$110.00} ) is not the easiest task to overcome. 
In speaking with Freedom Mortgage I never had a chance to speak with anyone from the escrow department. All I could speak to was PSR 's who was able to read a computer screen detailing my account history. 
Can the CFPB retrieve the balance of my funds? My Freedom Mortgage account number is XXXX. 
Thank you in advance for your time in this matter. 
Sincerely, 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 2022-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Good Afternoon, I purchased an airline fare from Spirit Airlines for a trip to XXXX XXXX. However, I was unable to attend due to obtaining XXXX. I canceled the trip with the airlines one week before travel and was told if I had submitted proof of having XXXX my trip would be refunded in full. I followed the provided instructions and then was told by SPIRIT that it would be issued as a credit and not a refund to my Bank of America debit card. I contacted BOA to dispute the charge and the merchant opened a 30-day investigation. I was just informed by BOA that would not pay the claim because SPIRIT provided proof that I made the purchase. BOA then closed out my case. I contacted SPIRIT to find out about my using flight credit and was informed that I had to contact my bank since I disputed the transaction. Neither merchant wants to return the amount of the flight after I submitted all required documentation as per their directions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NY

Complaint narrative:
I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX Bank online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit reporting act, ( XXXX XXXX ) [ XXXX ] collector 's { XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX } have violated my rights. 
15 USC 1681 SECTION 602 A. States I have the right privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
Furthermore, XXXX # XXXX XXXX investigative analist ( XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have concluded the debt to be false and the said so account to be closed/removed from credit report effective 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