vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).

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 2020-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter from fedloan instructing me to complete my annual Public Student Loan Forgiveness income re certification. I submitted that information via fax on XX/XX/XXXX. Thereafter, I received an email from Fedloan stating that my recertification period expired because I had not responded with 90 days. That was inaccurate I re-submitted my annual certification information directly to the Department of Education on XX/XX/XXXX. DoE emailed me on XX/XX/XXXX stating, Your Servicer Is Processing Your Application. 
On XX/XX/XXXX, I sent a message to Fedloan through the its web based, online messaging system inquiring about the discrepancy. At XXXXXXXX XXXX  on XX/XX/XXXX, I received an email in response stating, " our current Income-Driven Repayment ( IDR ) schedule has been extended by six months. Your application is currently on hold because your current Revised Pay As You Earn ( REPAYE ) repayment plan does not expire until XX/XX/XXXX. Once the 12th bill on your current schedule is generated, we will begin to process your recertification request. '' I called Fedloan 's 1-800-dead-end number today, XX/XX/XXXX. I was told that the XXXX, XX/XX/XXXX email was NOT from FEdloan and is a scam. I was further told to expect an email with more information on XX/XX/XXXX. My Fedloan.com account currently provides this information, We received your IDR request on XX/XX/XXXX. We will review your request and send a follow up email by XX/XX/XXXX. This email will detail next steps and any additional actions needed This information seems un-credible and inaccurate. 
A new representative ( " XXXX '' ) told me I would restart payments on XX/XX/XXXX because the recently announced covid forbearance extension is not official-official. XXXX specifically disclaimed any forthcoming XX/XX/XXXX email. 
Ugh! So typical of Fedloan. Little help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: OH

Complaint narrative:
On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018, XXXX XXXX placed two hard inquiries on my Experian report. It has been over two years and these inquiries have not been removed.

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 2020-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I decided to refinance my autoloan to obtain a lower rate from a competitor. Through trying to pay off the auto loan, I first made a payment in the amount of {$5300.00} ( could not pay more as additional principal ). I then found the tab to pay off the loan, which billed me for {$16000.00} ( the actual payoff amount ). Therefore, I was owed a return of {$5300.00}. I called immediately and was told that despite the money coming from a Chase Banking account to a Chase Auto Loan account that it could not be cancelled. However, I would receive a refund back into my account within 10 business days. I acquiesced and waited. 

This was for account number XXXX Since then, I have talked to entry level customer service representatives, escalations, as well as the executive line. I was promised the refund would occur within 10 days. When I called back and escalated, I was told within 5 days. I am now told its under investigation and I still today have not received a refund or any promise of when I will receive a refund. 

The online payments as mentioned above were XXXX ( {$16000.00} ) and XXXX ( {$5300.00} ). Both of these payments were made on XX/XX/2020. They came out of the account ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Keep receiving call from an unidentified number. Every time I answer they dont answer or when they do.. they wont speak with me until I give them my address, ss, etc. 

Call from XXXX ( ID : account services/XXXX NC ) ( them ) XXXX? 
( Me ) Whos calling please? 
( then ) is this XXXX XXXX? 
( Me ) Can you please tell me whos calling. 
( then ) No, I need to speak with XXXX XXXX ( Me ) Yes, how can I help you. 
( them ) Where do you live? 
( Me ) Sorry.. who am I speaking with ( them ) What is your address sir ( Me ) Sorry, I dont give out personal information to strangers. Who am I speaking with? 
*They hung up. 

.. 
I call the number on my phone ID ( then ) service identifies themselves as Portfolio services. 
I wait for representative ( Them ) hello, what is your name, ( me ) XXXX XXXX. Why are you calling me.. XXXX XXXX . 
( them ) I didnt call you .. you called me ( me ) I just received a call from this number. After I woldnt give address thye hung up. So I called you.. Why are you calling me? 
( them ) what is your number. 
( me ) XXXX. Why are you calling me. 
( them ) what is your social sir. 
( me ) I dont give out personal information to strangers. Please identifyi yourself. 
( them ) we need to confirm your identity. 
( me ) you have records you just called me. My number is x.. my name is x.. how many XXXX do you call at this number? 
*Again, they Hung up After some research I see on my credit report : Portfolio recovery/XXXX. I believe this is XXXX XXXX who have never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account US DEPARTMENT OF EDUCATION ( CLOSED ) is more than 7 years old. XX/XX/2012 xxxxxx XXXX {$14000.00}

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 2020-08-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account US DEPARTMENT OF EDUCATION XXXX CLOSED ) is more than 7 years old. XX/XX/2012 xxxxxx XXXX {$14000.00}

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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
An application for refinance was submitted on XX/XX/2020 by Mrs. XXXX. A {$500.00} fee was paid to the loan officer who  guaranteed an approval. The company has dropped the ball in several occasions and failed to keep an open communication with the consumer to let her know the status of the application. Consumer has done several attempts to contact the company to know about the status and calls/emails hasn't been received. Consumer would like to obtain a refund of this fee as the company has failed in innumerable occasions to follow through with the process impeding the consumer to continue with another lender. Another complaint was already issued against the company and they promised to better serve consumer through this process however, this hasn't occurred.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00}

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 2020-08-25 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00}

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 2020-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account US DEPARTMENT OF EDUCATION ( CLOSED ) is more than 7 years old. XX/XX/2012 XXXX XXXX  {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 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: OH

Complaint narrative:
On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have received your response regarding my account with you, but it I disagree. I have proof that Santander Consumer participated in illegal activity. I went to pick up the car in XX/XX/XXXX, however was told to return it if u couldnt pay more money ( yo-yo sale ). I have proof that the documentation you submitted to me has been altered as I have the original copy with me. I ask that my account be deleted and closed from my credit reports. I do plan to seek legal action if necessary. 

Date : Vehicle : Amount Financed : APR : Term : Monthly Payment : Dealership : XX/XX/XXXX XXXX XXXX XXXX {$17000.00} 25.94 % 72 months {$480.00} ( first payment due XX/XX/XXXX ) XXXX XXXX, XXXX XXXX : CFPB Case No. : XXXX Santander Account No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).

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 2020-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We currently have our VA mortgage with Freedom Mortgage. We were contacted to do a streamline refinance to 2.875 %. We went ahead with it, and scheduled a closing. We were later contacted by our mortgage lender, who said that we should be able to get lower. I contacted Freedom Mortgage who had me speak to a mortgage rate negotiator I spoke with XXXX XXXX XXXX NMLS # XXXX ; Corp. NMLS # XXXX. He stated that he could lower us to 2.75 % and it wouldnt affect our closing. He said " I simply have to price out the loan and that's all. Once i do that, i get it approved by my supervisor and update it in the system. '' He told us to go ahead with the closing, and it would be taken care of. I followed up, letting him know that the closing was done, and he asked for my loan number. I provided it to him, and have not heard back. That was XX/XX/2020. Our interest rate has not be reflected to what we were told by this loan advisor. We signed closing documents under false pretenses and he will not respond to emails or provide information for his supervisors information.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, A charge-Off placed by XXXX/XXXX   was Disputed and removed from my XXXX XXXX credit report. Unfortunately, XXXX and Equifax are still showing this charge-off on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I notified via email my email was changed. If I did this or not. I went in to say it was not ok but of course I could not lid in because my email was changed. Then, I was notified I sent money to someone which I didnt. It was only {$20.00}. She had sent money back but of course I didnt receive it back. This company is PayPal and I can not get through to a human. Its all automated. Ive been trying to remedy this for a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX  {$5500.00}

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 2020-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,

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