vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On the line with USAA who can not see any of the payments that I made from my XXXX  accounts- XXXX  deducted the money from my checking account and never paid USAA . XXXX yesterday, in the branch on XXXX and XXXX is XXXX, claimed that USAA rejected a partial payment from my account. 
USAA claims that I have a balance due of {$23000.00}. 
This impacts my credit rating and XXXX score, clearly. 

USAA has no knowledge of any payments. 

USAA claims that usually the payments do come through from other customers. 

At the XXXX branch, XXXX claimed that USAA rejected the payments. 
They told me to call USAA. I am on the line with USAA now. they see no payments. 

See transaction record from my account at XXXX below. 

TOTAL CHECKING ( ... XXXX ) XX/XX/XXXX Online Payment XXXX To USAA XX/XX/XXXX Bill payment - {$4000.00} Credit Return : Online Payment XXXX To USAA Other {$6200.00} according to XXXX. 

USAA sees no record of payments.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, there is erroneous information that you keep reporting on my credit. This is really worrisome and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it. It's been a long time but you keep on ignoring it and it's taking a toll on my mental health.

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 2024-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DE

Complaint narrative:
Student loan payments made between XXXX I made student loan payments to Pennsylvania Higher Education Assistance Agency XXXX PHEAA ) Default Collections through the AES XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, while working full-time in qualifying public service at the University of Colorado. These payments are missing from the XXXX XXXX XXXX XXXX tracker. If these payments- which were $ XXXX and totaling over {$XX/XX/XXXX} that I paid - I will have fulfilled the XXXX payment requirement to receive forgiveness. 

I have XXXX email confirmations from XXXX for each of the payments of {$XX/XX/XXXX} that I made between XXXX through XXXX. Please find these payments that I made and apply them correctly to my account. 


XXXX XXXX XXXX ss # XXXX PHEAA Account # : XXXX Email ID : XXXX Account ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I am trying to use my phone number with XXXX please automatically enroll it on y'all end for me my XXXX information is XXXX and email is for XXXX is XXXX but I get this error saying this this phone cant be used to enroll with XXXX please fix this issue for me account Account number XXXX and picture of the issue is below please at them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: MD

Complaint narrative:
This company is reporting fraudulent and inaccurate information on my credit report. I have requested they provided proof that I was the indeed person who signed up and requested this account. 

The company : XXXX Amount XXXX {$38.00} with {$58.00} written off Date opened : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have discovered fraudulent inquiries on my credit report, specifically with Equifax. I first notified the companies involved and then filed an FTC report, which I have attached for your reference. Following this, I informed Equifax, but they have not taken action to remove the fraudulent inquiries yet. 

XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 This situation is causing significant damage, with losses amounting to thousands of dollars, as I can not get approved for credit. I urgently request your assistance in having Equifax remove these inquiries. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kikoff Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Whom It May Concern, I hope this message finds you well. I am writing to you today concerning my account with XXXX. First and foremost, I want to express my gratitude for the service and support your company has provided me. It has always been my intention to maintain a positive relationship with you, and I genuinely appreciate the assistance I have received in the past. 
However, I find myself in a difficult situation regarding my credit report. Unfortunately, I experienced some challenges during incarceration. Despite my best efforts to keep up with my payments, I fell behind, and a late payment was reported in XXXX of XXXX. I fully understand that these late payments were my responsibility, and I cant stress enough how much I regret missing the deadlines. 
Since that time, I have taken significant steps to improve my financial situation and ensure that all future payments are made on time. This experience has been a wake-up call for me, and I have learned valuable lessons about managing my finances more prudently. I am committed to fostering good credit behavior and maintaining a positive history moving forward. 
I am reaching out to kindly ask if you would consider removing the late payment notation from my credit report as a gesture of goodwill. I realize this request is outside your usual policies, but I hope that my previously consistent payment history and the corrective actions I have successfully implemented might persuade you to grant me this opportunity for a fresh start. Removing these late payments would greatly help me navigate my financial responsibilities and ultimately enhance my credit score.

If you could find it in your heart to assist me, it would make a world of difference in my life. It would not only allow me to pursue better financial opportunities but would also reaffirm the faith I have in your organizations dedication to customer support. 
Thank you very much for taking the time to consider my request. I genuinely appreciate your understanding and compassion in this matter. If you have any questions or need further information, please do not hesitate to contact me at XXXX or XXXX. 
Warmest regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
PLEASE ANSWER THIS COMPLAINT AND NOT ANY PRIOR COMPLAINTS This company has answered some complaints that they are a servicer for XXXX XXXX and then they changed their answer that they are a servicer for Newrez but now they have sent another inspection company to deem my home abandoned, tried to gain access to change the locks and went into the yard thru a latched gate without permission and they say they have been being paid by XXXX XXXX since 2017 and this is definitely a XXXX XXXX loan. When I demanded they update my file to show that my home isn't abandoned and I have been represented by an attorney the entire time they have had me in court - I was told that they have the authority of the Federal Government to act and will come back if I don't answer in XXXX days the next time. Imagine that? An entity that IS NOT the Federal Government is using their authority to gain access to a citizen 's home and allegedly they aren't even involved in this loan.How is this even possible? Maybe you guys can get more information from XXXX services in XXXX FL- they claim to have the power and authority to enter my home and change the locks without any law enforcement present. That sounds like a few violations of my Constitutional rights. Now here - once and for all I would like the TRUTH and a straight answer. I would like CFPB to do their job and investigate this company for fraud. They have held up my life for XXXX XXXX XXXX XXXX  of which were in court and they have had plenty of time to garner the information necessary for me to proceed and ANSWER my questions FULLY as their obligation to ME as servicer for this " loan ''. I am attaching the QWR again for full and complete answers to the pertinent questions I have been asking. Please also note that the XXXX XXXX website STILL says they own my loan, the Shellpoint website says they're a servicer for XXXX XXXX on this loan and when I called and chatted online with Shellpoint, both customer service people VERIFIED THIS IS A XXXX XXXX XXXX. So now,, if they respond to this complaint AGAIN that they apologize for ever saying this was a XXXX XXXX loan then they ARE LYING. I find it ridiculously hard to believe that the CFPB has allowed this behavior and, in my opinion, became complicit in this illegal activity and should also be investigated as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Almost a month ago, I called and spoke with several Huntington Bank Representative and requested that they please close my checking account. 

The actual issue is that they can not verify my new contact phone number that I added to my account in XXXX and CAN NOT closed that account. 

On Saturday, XX/XX/year>, I called and spoke with XXXX and other representatives to close my account : I am a XXXX XXXX and CAN NOT afford to visit any of their branches to close the account- This is the 21st century for XXXX 's sake! 

And even though their representatives are adamant that they are unable to send me a verification code to my new phone number, a code was sent to the same phone number that they can not verify. Yet, they will not close my account. 

When I called their automated system, I had to verify my PIN nbr ; who would know my PIN nbr? I must have provided my email address a hundred times and still their representatives kept saying 'we do not have your email on file " Huntington Bank sends me tons of email each day advising that 'Your balance is below XXXX  '. 

Last month, my account was assessed a XXXX XXXX monthly fee and it's getting very close to where another monthly fee will be assessed if the account is not closed. 
PLEASE stop the nonsense and close the account. 

Your below-average representatives and supervisors ( XXXX ) are lost in Translation. 

Unapologetically XXXX XXXX Account ending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This is the second complaint that I have filed against PayPal. The issue has escalated. I do believe that I am now facing punitive harassment on my account from PayPal as a result of having filed the previous complaint. Here is the issue... 
I opened an account with PayPal in order to receive payments from my clients XX/XX/year>. Immediately, PayPal began placing my payments in a hold status. I contacted customer service and first they said it was because I needed complete shipping. I informed them that my clients paid for and received an instant service online, tarot reading. The holding process persisted. Then on XX/XX/year> a limitation was placed on my account where I could not receive any further payments until I provided PayPal with information about my business. I did so. I was told to wait 72 hours. PayPal then asked for additional information, which I submitted. PayPal released the limitation allowing me to continue receiving payments from my clients, but not allowed to withdraw my funds at all and some of those funds also instantly go into a holding status. It has now been 72 hours. I have submitted everything that PayPal has asked for and made it clear that they are causing me a great hardship by not allowing me to withdraw my funds. At this point they just continue telling me to wait. I do not have confidence that they will give me access to my funds as I have seen that PayPal has a history of seizing the funds of their clients. 

As of today, I was told aggressively by an agent named XXXX in the " fraud '' department, that my funds would be held for another 90 days. As I tried to explain to him that my funds had already been held for 30 days he began to yell that I was not going to interrupt him. At the point of my phone call every sale that I make was placed in a hold status. Although the platform AI tells me that my funds will be released to me in 24 hours they are not. When I call to speak to an agent for assistance, it truly depends on the demeanor of the agent for whether or not they will look at the account and assist me. Those that will review it and see that I have met every standard to receive my funds. Those that will not simply say that nothing can be done, just wait. 
I can not successfully earn a living with PayPal holding my funds. I have explained the nature of my business several times to several agents. There is a letter regarding my business from the platform where I offer my services on file with PayPal. An added note is that although PayPal holds my funds and won't allow me to access them, they do take their fees from each sale upon receipt. 

I would again ask that PayPal stop this harassment and allow me to operate my business.

Company response to consumer: Closed with explanation