vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
On XXXX XX/XX/2021, XXXX sent an email on a closed account over the weekend, a tactic and form of harassment, the object is send something that the costumer can't respond to while he/she is trying to enjoy the weekend. They are claiming a debt that is not there and want me the clear it up over the weekend. ( answer to your question why I choose to deal with it on the weekend? To stop them send it on the weekend. Are you saying I should be forgiving over the weekend. Even if they can reach out to me at XXXX XXXX  Saturday mourning, XXXX XXXX  Saturday mourning or those times on Sunday and that is ok just wait to Monday ) ( Your 2nd arugument is to just block or delete, the answer to that is think of their message as XXXX they send it, I delete it, but I or my children still saw it, so what good is it to do that ). To restate they send and asking me questions on a closed account and I see that as harassment. This is the 1st step legal is next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX I received documentation from FedLoan Servicing regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The estimated eligibility dates listed were different from the documentation I received on XX/XX/XXXX. The number of qualifying payments were also incorrectly credited to two of my loans. I have contacted FedLoan Servicing multiple times since XX/XX/XXXX and they have not corrected the estimated eligibility dates and/or number of qualifying payments. 

After receiving documentation on XX/XX/XXXX with again differing eligibility dates and incorrectly reported qualifying payments, I felt this was the next logical step to have my issue resolved. 

Please be aware that I did file a complaint to the CFPB in XXXX, which resulted in FedLoan Servicing reporting an inconsistency that I detected between XXXX and XXXX stemmed from a new software program which was implemented to track the number of PSLF-qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.

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 2021-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was scammed into thinking Bank of America called to inform me of fraud. The person said there was a fraudulent transfer of money to a XXXX XXXX account and asked to verify information. They asked to confirm my email address and said the funds would be reversed, however, I then received emails confirming a XXXX transfer from my BOA account to this other XXXX XXXX account in the amount of {$3500.00}. I also received an email with the location of the ATM that they were using to take the money out as it stated they were over their daily limit. I also received two other emails that stated I transferred {$1000.00} and {$2500.00} successfully. I immediately reported the fraud to Bank of America, who filed a claim. XXXX XXXX was also notified and I spoke to numerous agents who confirmed my email on the fraudulent XXXX XXXX account, along with a pending {$3500.00}, but stated they could not do anything until they received the fraud claim from BOA. I will be filing a police report and include all emails received from the fraudulent XXXX XXXX account.

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 monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked my credit score on Experian mobile app, my credit score was XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX XXXX credit card. It was approved and received a {$5000.00} credit limit. 
On XX/XX/XXXX, I received my new credit card. It had some documents with my credit score, it showed XXXX ( source used Experian ) It doesnt make any sense. How could I get this corrected? 

Thank you for your time. 

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 2021-07-25 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: FL

Complaint narrative:
I the consumer Only XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent numerous request to remove fraudulent inquires and 1 fraudulent collection account i have contacted all companies and all tell me its experian that needs to correct the information i have contacted experian and everything still remains unchanged the collection account with XXXX is a cosign account for a person i never known and at a address i never resided at please correct ASAP thank you XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX  General Clothing Store Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX XXXX  XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/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 non-monetary relief
Consumer complaint received 2021-07-25 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: FL

Complaint narrative:
on XX/XX/2021 XXXX, XXXX XXXX mailed a letter about things on my credit report that is inaccurate and not mine. as of today, it has been over 60 days and I have not got a update. It seems I am being taken advantage of and my consumer rights are being violated ; several violations are taking place. The law states that if a investigation is not complete in 30 days, thats a reason for the items to be taken off of my credit report. Delete these items from my credit report immediately because section 611 ( a ). If these items are not deleted immediately I will file litigation due to the damages and stress inflicted on me. These items are inaccurate and do not belong to me. I have been denied credit and jobs because items that are not accurate are being reported. This has crippled my ability to care for my family and no one seems to care. My rights have been violated and still are being violated bureaus who have to power or authority to report anything about me unless I give them permission. I have not given my consent to furnish anything about me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My complaint is against Barclays Bank. 

I have a XXXX XXXX Visa card. 

Today I received an announcement from Barclays that the XXXX XXXX card will be converted to a Barclays card. 

I have no relationship with Barclays and do not wish to have a relationship with Barclays. 

The announcement says that even if I refuse to accept the change, they will issue a new card anyway, and then close it. 

Here 's the exact wording : " Even if you reject these changes and we close your account, your account will still be converted to a new XXXX XXXX XXXX Mastercard from Barclays and you will receive a new credit card ... .. '' I do not want a new account to be reported to the credit bureaus. 

Barclays has no right to force a new account upon me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial froze my bank account and now I cant pay my everyday necessities or buy food or put gas and I cant pay my bills either its causing me a lot of stress and financially anguish and its made it a hardship too, not only am I going through the debt collection due to this people but I am going through child support too to make matters worse.

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 2021-07-25 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: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
I originally had a XXXX and had an account with XXXX XXXX XXXX. Eastern Account Systems, a collection agency, I assume, is reporting this account on my credit report. However, on XX/XX/2021, I called XXXX XXXX XXXX and was told that if the account could be paid online, it would be recalled from collection agency. I was able to pay the account in full through XXXX XXXX XXXX ' online system using my account number that same day. After I paid, I called them and told them that I paid the account with the original creditor and was told that they would delete the account on XX/XX/2021. Instead, they just updated the account to paid, as if I paid them. The account should have been recalled when I paid and deleted. I would like this account deleted from all three credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/XXXX i submitted a dispute to XXXX  and Experian disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on my report

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several disputes to experian about my personal information on my credit file, the bureau refuses to do a proper investigation and I have sent the bureau experian I current license and my most recent internet bill statement they do not want to remove addresses and names that are mine.

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 2021-07-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is for a Capital One/XXXX XXXX XXXX. I last used the card on or about XX/XX/XXXX at XXXX. I must have dropped or left the card behind and someone picked it up. This person then went to XXXX XXXX and XXXX  and over the next few days charged {$5800.00}. on this card. Because I don't use this card every day it took a few days for me to noticed it missing. Before reporting it to CapitalOne, I locked the card. I then checked my account balance at the same time that I was checking my other accounts. This is when I discovered the charges. After several attempts to report as unknown I called, that was on XX/XX/XXXX. CapitalOne credited me with those charges. 2 days later they put the charges back on my card. I have sent them a notice several times but they have not removed those charges. CapitalOne has a {$0.00} fraud, but they will not live up to that promise. They have NOT supplied any proof either by mail nor by phone calls to explain what was purchased. Since I do not shop at XXXX XXXX and In very rarely shop at XXXX  simply because I can shop at XXXX who is also my employer and save with the discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a account with Synchrony Car Care for a gas card, I had stop using their card for about a month and they closed the account and it affected my credit score and claims that I owe them money I had sent them a debt validation letter and they did not respond after 30 days. By law since they did not reply this item must be removed from my credit report. Attached is the proof of the certified mail sent to them, the first request of debt validation sent and affidavit of truth that was sent on XX/XX/2021 listing violation made by Synchrony Car Care. Please have this removed from my report.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX allows XXXX XXXX to take out two loans in my name and my dad 's name without our consent. XXXX XXXX tried to get me to agree to a loan over the phone, and I told them no that I do not consent and to not process the loan. The woman told me she was going to fill out the loans anyway, and I called XXXX to try to stop it. XXXX processed loans without our signature or authorization. I did everything I could do to prevent the loan, and I have been fighting it for 13 years. XXXX also lied to get payments about who they were. XXXX  acts like they are going to investigate an issue, but they just respond to companies that they will work with the parties and leaves the information the same. XXXX illegally allowed a college to take out as many loans as possible using my name and dad 's when I was XXXX trying to take advantage of us. XXXX College failed to also put the correct amount of funds they received on the account. XXXX took out XXXX in loans in my name and dad 's through XXXX, and XXXX received XXXX in federal loans and pell from my account. The total cost for my education was XXXX. They owed me money and took my FAFSA and tax papers to fill out the loans. XXXX college 's statements do not acknowledge the amount of money they received from federal aid and federal Pell grants. I have the documents, and I have tried for years to get the issue resolved, and tried to prevent it. XXXX and XXXX worked together to do this. Avoid XXXX and XXXX University college.

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 2021-07-25 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: IL

Complaint narrative:
I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. 

The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. 
We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. 
The owner contacted me to advised that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. 
Weve been patient in waiting for refund. Its been over a month. ''

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 monetary relief