vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 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: AE

Complaint narrative:
I have student loans from Department of Ed and it is serviced by Fed Loan Servicing. Since completing my graduate degree, I've been working for public service employers in higher education, state, and federal agencies. Thus, I'm currently pursuing the Public Service Loan Forgiveness ( PSLF ) program. However, when I begin my career back in XXXX and contacted Department of Ed and Fed Loan Servicing for information about repayment options, I was not provided with information about PSLF, even though I was working for a qualifying employer. When I contacted Fed Loan Servicing again in XXXX, after postdoc and securing an employment, I was steered towards forbearance due to financial hardship and was not given accurate information about income-driven repayment plans and PSLF. Had I known about PSLF and income-driven repayment plans back in XXXX, I would have taken advantage of the program and begin the process. Thus, I lost 14 eligible payments towards the 120 total needed for PSLF in XXXX. This was due to Department of Ed and Fed Loan Servicing not provide information, providing inaccurate information, and steering me towards forbearance without providing me with information of other options such as PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
2 Bankruptcies were put on my credit bureaus that was dismissed. I have proper documentation as far as dismissal papers from court. During the past 6 months Ive sent certified letters to address this matter. only to get a response that these errors were legit.

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 2022-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have experience fraudulent charges on my Capital One credit card. After opening disputes, Capital One reapplied the charges and provided a vague letter with no information regarding the dispute. There are 3 transactions that are fraudulent. The fraudulent transactions are : XX/XX/2022 XXXX at XXXX XXXX overcharged {$100.00} ( {$610.00} instead of {$510.00} ), XX/XX/2022 XXXX XXXX for {$32.00}, and XX/XX/2022 XXXX XXXXXXXX  charged {$130.00} but less than half of merchandise ( missing photos of myself and video of XXXX XXXX ) was provided, resulting in an overcharge of about {$65.00}. Enclosed is receipt from XXXX XXXX, Email alert from Capital One on XX/XX/2022 to inform me of fraud from XXXX XXXX and my email communication with XXXX XXXX ( who has not responded ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: FL

Complaint narrative:
This is a formal complaint against Experian Informations Solutions Inc. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian Informations Solutions Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This was for a job on XXXX I was mailed fraudulent checks under the pretense I would send them the tech vendors and get equipment. I signed a W4 and a job letter and everything. I have all the XXXX XXXX, XXXX data, messages, emails. And correlating XXXX transactions to prove I did not make these checks. I was lied to and it was fraud. 

I am XXXX and have XXXX and USAA quite literally hung up on me saying I should have called the check bank and said it was my fault and there would be XXXX investigation. And I would be XXXX in my account. Money I do not have or imagine having soon at all.

I asked if I would file a police report if it mattered she said no. Nothing would matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy protection where I listed the Chase Manhattan bank as a creditor for the alleged {$1300.00} approx that they claim I was overdrawn. 

At such time the automatic stay went into effect which prohibited the bank from collecting on the money unless, the court lifted the stay or I affirmed the debt. neither of which happened Chase on XX/XX/XXXX decided to end our business relationship without telling me and a full week after the federal court stayed all recovery or collection activities; knowing this I had a wire transfer from my company placed into my account ; not only do the Refuse to give me my monies either by cash, cashiers check or wire elsewhere, I was told that they will mail me a check after they illegally collect monies included in a bankruptcy proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Hello- I have 13 Federal Loan accounts that were not consolidated. I have called Navient to inquire on removing the " Missed Payment '' status and they gave me little information and told me that there's nothing they can't do. I have begged and pleaded with them that this is a mistake because I've always pay my monthly loan payment on time. I thought I had paid my monthly amount on XX/XX/XXXX and they gave me a " Missed Payment '' status with no warning whatsoever. 

If you look at my credit history for Navient, I have paid every single month after that. I need your help to remove this status. Now that Navient is no longer servicing my loans, Aidvantage has taken over and I don't want to go through the same hassle again.

I get little information to remove status from my credit history.

DEPT OF ED/AIDVANTAGE - {$17000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$9100.00} - Open Account - Missed Payment on XX/XX/XXXX - {$8900.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$4000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$500.00} - Open Account - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2100.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, XXXX XXXX  ( XXXX XXXX ) account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I filed an original complaint with CFPB on XX/XX/2019 regarding deceptive practice by the XXXX XXXX location from where I originally purchased the vehicle, complaint # XXXX. My wife and I made multiple trips to the XXXX XXXX location and spoke with the General Manager, XXXX. Multiple egregious errors were made on their part and their company continues to harass us and ruin our credit. The corporate office issued a letter in response that they were " investigating '' the situation and never responded after that until this week, via a collection agency that is claiming we now owe over $ XXXX. It looks like I need to hire a lawyer and sue XXXX for harassment. 

I will attach the entirety of the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Issue took place on XXXX last month when the credit score update came out, I realized my credit scored dropped almost XXXX points! As I'm writing this complaint I'm finalizing my loan modification because I was on forbearance program for 1 year starting XX/XX/XXXX until XX/XX/XXXX with the amount to be deferred and pushed to the end of the 30 years loan plan. At that time my lender was " XXXX  ''. Now my loan got transferred over to my current lender " shell point '' who are taking care of the loan modification phase. so I called the mortgage company to make sure they don't report any late payments on my behalf especially that I pay promptly and on a regular basis but they told me that I was being reported to have 7 late payments disregarding the loan modification process.They set up a notary appointment and sent someone out to me on XX/XX/XXXX, the notary did not get the documents signed right and the paper work was not approved, during that down time my credit score dropped XXXX points although I am paying on time for current monthly payments and the delay in paper work was a mistake on their end. We had another notary appointment today XX/XX/XXXX and I would appreciate this to be investigated through.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Bass & Associates, P.C., Attorneys at Law
State: NC

Complaint narrative:
Yes I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account on coinbase.com. I have fully verified this account and using from 2020 for receiving and sending crypto. On XX/XX/XXXX suddenly I noticed that I can not send crypto using coinbase. It says " you are currently unable to send crypto on Coinbase. Please contact customer support ''. But I can receive crypto. what does it mean? I receive more so that they can hold more. I have contacted with customer support. They told me that my account is under review. They did not tell me the reason for this. Also they could not able to tell me what will happen with my balance and when I will be able to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My identity was stolen by my neighbor. They had all my information hacked to the point of stalking. They opened a credit card and I believe they filed taxes

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-02 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: TX

Complaint narrative:
XXXX XXXX XXXX is being reported as a delinquent account every month after several disputes. It is affecting my score.

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) XXXX XXXX XXXXXX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested a debt validation on XX/XX/XXXX on a credit account by the name of XXXX ( XXXX XXXX XXXX ) with a balance of {$9900.00}. At the time this account was showing as closed with a last payment date of XX/XX/XXXX. A completed investigation was produced on on XX/XX/XXXX stating the account would be deleted as it was unverifiable. In XXXX of XXXX, this account was added back to all XXXX of my credit bureaus as an open account beginning XXXX of XXXX. The balance had increased to {$18000.00}, and has been reporting as an open account with a delinquent account status since XXXX of XXXX since then i completed multiple disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX requesting the the documentation including the original contract including all account billing history to prove this was my account and to validate the balance. i have still received nothing and my credit has suffered tremendously because of this account and has prevented me from financial growth.

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