vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I noticed a material decrease in my credit score ( XXXX to XXXX ) for no apparent reason ( i.e., no missed payments, no applications for credit ). Upon interrogation of my credit report provided by Experian, I saw a notation on my XXXX credit card stating that the account was in dispute. I then called XXXX who confirmed this was not the case, but rather, my account was open and in good standing. I then called Experian and lodged a dispute asking to have this corrected. I was notified the dispute was resolved later that day, however, that was not the case. My credit report with Experian now notes that the account was closed at the consumer 's request- this is not correct. 

On XX/XX/2021, I called Experian and explained the issue. The representative stated that the new information ( i.e., that my account was closed ) was provided by XXXX to Experian and in no way could be an Experian issue - I respectfully disagree. The representative could not confirm at what time XXXX allegedly provided such information. At that time, I lodged a further dispute in respect of the matter. I interrogated the matter with XXXX shortly thereafter who confirmed again that my account was open and in good standing. 

Given the financial industry 's reliance on consumer credit scores, I have been placed in a materially worse position through no fault of my own. Accordingly, I am seeking that this situation be remedied such that my account status is correctly shown and my credit score be accurately reflected.

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 2021-09-29 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: VA

Complaint narrative:
I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. 

Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. 

I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. 

Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). 

In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. 

I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I was given a subprime car loan with unfair rates and interest. Car was totaled and Santander continued to charge me interest and monthly payment. Santander issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but Santander is still listed on my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
had fraud that was done towards me by a family member using my SSN # { son } who developed a drug problem after his twin died in a car wreck. He had a friend who work at a car dealership and got two cars out behind me and his mother 's back. Westlake FinanciaXXXX, and XXXX thrift and loan, XXXX I've sent certified letter with a Notary signature stating this is fraud along with a copy of my FTC report and Number and still haven't gotten a response at all but this is still killing my credit. please help.

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
A check in the amount of {$140000.00} ( proceeds from the sale of a home ) were deposited into CHASE joint checking account. The check was cleared with no holds on it. 

So I transferred the funds to other banking institutions, including an investment firm for my retirement account. 

Two days later CHASE placed a hold on those funds citing that according to the deposit agreement they can place a hold on funds " for two weeks to six months '' even AFTER those same funds are cleared for deposit. 

Thus far, I have incurred approximately {$200.00} insufficient fees due to CHASE placing a hold on the {$140000.00} after clearing the deposit. 

When I requested reimbursement of the {$200.00}, I was told " CHASE will not refund fees incurred from external banks '', again citing the deposit agreement. When I stated per their documentation that the {$140.00}, XXXX was cleared by CHASE and then two days later placed a hold on said funds, that it was their error, they still refused to reimburse those fees. 

I filed a complaint with CHASE management regarding these unfair business practices. 

I am filing the complaint with CFPB as again unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-09-29 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: The CMI Group, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... CREDIT MGMT ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: AVANTE
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX... AVANTE ( Original Creditor : XXXX  XXXX XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one  account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I owned a business which is under XXXX XXXX. I open a bank account under XXXX at chase bank which they offered a credit card under that company which i excepted at no time did I sign personal or guarantee the card. I called chase Bank and said to please forward me my signature to personally guarantee the card they said they don't have it. I said then you then need to remove it from my person credit report and put it on the business credit report. Due to covid the company has shut down and out of business. please have have bank remove this from my personal credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The accounts of CAPITAL ONE BANK USA N were reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
CAPITAL ONE BANK USA Balance {$220.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$74.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$0.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$0.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, XXXX XXXX To whom it may concern, I XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates.

Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15 USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be excluded from the consumer report. 

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Concerning the 3 collection accounts listed below as a consumer I'm demanding a deletion of these accounts. 

COLLECTION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I certify under penalty of perjury under the laws of The United States of America in the nature of [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know the contents thereof, and that the information listed above is true, correct and complete. 
REQUEST EXECUTED this XXXX, day of the month XXXX, XXXX Respectfully submitted,. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We had a credit card balance of {$810.00} that was due on XX/XX/XXXX The amount was paid on XX/XX/XXXX 

On XX/XX/21, we tried to use our credit card to pay a vet bill of {$140.00} and the card was declined. It was embarrassing and didn't make sense since we knew the {$810.00} was taken out of our checking account on XX/XX/XXXX 

When I called the credit card company, I was advised that they aren't crediting our {$810.00} payment until our next statement dated XX/XX/. They have received the payment of {$810.00} on XXXX. How is this legal?

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 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OKX INC.
State: MA

Complaint narrative:
Summary : A cryptocurrency exchange has taken {$1000.00} of my money but does not show that deposit in my crypto exchange account. I have full documentation of the transfer of funds. 

Details : " OkCoin.com '' is the US presence of OkXXXX, which is a cryptocurrency exchange. I believe OkXXXX is based in XXXX. 

I created an account with OkCoin.com, registered and validated my identity. Then I used the okcoin.com website to transfer {$1000.00} from my bank, XXXX XXXX XXXX, into my okcoin.com account. 

I have an email from OkCoin.com that says my deposit had cleared, and I have a record in my XXXX XXXX account that shows the withdrawal/transfer to OkCoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Someone using my name to hook up cable in XXXX Arizona and I live in XXXX Florida. Doesnt make sense and now I have a collection on my credit report of 700 plus dollars.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: MD

Complaint narrative:
There is a Bankruptcy being report on my report that I have no knowledge of. I have reached out to XXXX XXXX and they do not have a record of a bankruptcy under my name and SSN. I will attach the letter.

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 2021-09-29 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: Porania, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter 13 Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. XXXX XXXX XXXX  XXXX XXXX PC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Untimely response