vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: PA

Complaint narrative:
My husband and I were advised by the Department of Education and American Education Services to apply for a Spousal Consolidation Loan in 2005. We were not informed that the DOE was about to pull the plug on these XXXX loans, and they would no longer be recognized by the DOE. These loans are not eligible for Public Service Loan Forgiveness like Direct Loans are, and they are not eligible to be reconsolidated into a Direct Loan. We would never have done this Spousal Consolidation if we had known this information. I only had {$6000.00} in loans, but my husband had XXXX. At this point, we have paid XXXX, and owe XXXX due the 7.5 % interest rate on this loan. If the loans were able to be separated and reconsolidated into a Direct Loan, my husband 's portion would qualify for Public Service Loan Forgiveness. He has worked in qualifying employment for over 13 years. Please help correct this horrible situation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: UT

Complaint narrative:
So, my wife and I have had our credit pulled to get pre-approved for a new home. Was informed there was some medical collections that needed ot be paid before we do that. I called and tried to negotiate they ( I.C systems ) told me it was in collections for too long and we had to pay in full amount and would not settle. This was XX/XX/2022 I paid in full to all three acounts .... 
After I paid, I started working with a credit repair gentleman and he asked if I had already paid the accounts on there, I said yes and he said well you shouldn't have because it was reported fraudulent and should have never been put back on your credit .... Said it is fraud because they lied to you saying you owed when it was too old to be collected. I was speaking to a lady from I.C. Systems. Which last year, with my entire tax return, I paid off more medical debt in collections and it is still reporting on there... After they told me it would only take 30-45 days to get off my credit. And still reporting on there and hurting mine and my wife 's credit still to this day.

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I recently applied for and received an XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered through Barclays Bank. 
I was offered the card on a recent flight on XXXX XXXX. I asked at that time if I could apply online and was told that I could. I was told to refer to the promotional code on the application ( see the attached picture showing that code, XXXX ). 
When I applied for the card, I was told that the first years annual fee would be waved, ( see attached photo of the application brochure that states that ). 
On my first statement, I was charged the XXXX  fee. I complained to Barclays about this charge and their written response to me stated that Were currently unable to assist you with your Rewards issue. 
I think this is clearly an unfair business practice and would appreciate it if you can help me get the XXXX  fee refunded.

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 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I had a checking account with overdraft protection ( which was really a XXXX ) with TCF Bank which was bought by Huntington Bank. I closed all my accounts in XXXX, in branch ( XXXX Huntington Branch ). The teller said all accounts were closed but that they didn't give paperwork for closing an account. 

In XXXX I got a bill from Huntington for {$1.00} from this XXXX which I'm guessing is random interest charges or something but more importantly the account was still open. I went into the branch ( XXXX XXXX, XXXX ), paid the bill and told them to close the account and give me some paperwork. The teller said the account was close but that I'd have to speak with a Banker to get any confirmation paperwork. 

I waited to speak to a banker and he said the account was not closed and that I actually had to send an email to Huntington Bank requesting the account be closed and that the email must include my signature. 

This is crazy... I can't close an account after I'd been told it's closed twice. I literally can't go to their location and close an account? I know many people that would struggle to get a signature into an email. This is really, REALLY not cool. They are literally making me jump through all these hoops so I'll just give up and they can keep their number of accounts higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My complaint is against Wells Fargo Mortgage Department/Short Sale, Division. 
I am a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and am certified in SHORT SALE. I have been the listing agent for property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX since XX/XX/2020. There have been three qualified buyers for this property but the first two gave up and withdrew their offers while waiting for Wells Fargo to approve the short sale. During that time Wells Fargo has been paying all expenses on this property including taxes and insurance- literally wasting WELLS FARGO stock holder money because they have been unable to get the job done. The attorney representing the homeowners is told WE ARE WORKING ON IT every time inquiry has been made over the past 2 years. These homeowners - an elderly couple- have remained in the unit waiting for this process to be done as they do not want to abandon the property. 
I am well aware that processing a short sale is more lengthy than a traditional sale, but in my experience it has never taken this long and it SHOULD NOT take this long on a relatively inexpensive property where the payoff has now grown to a staggering amount ( penalties, interest and legal fees ) during the two years while the bank has failed to process this short sale.

When a property is ultimately foreclosed upon everyone loses- the community as the property will fall into further distress and devalue surrounding properties, the bank stockholders, and the homeowners who have been trying to do the right thing.

As stated, the amount now due is staggering compared to the amount due two years ago when short sale relief for the first buyer was submitted.. That staggering amount now due is the result of the efforts- or lack thereof- WELLS FARGO SHORTSALE DEPARTMENT.

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 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I am working with XXXX XXXX XXXX  on refinancing my current home. Our current servicer, The Money Source ( TMS ) has been giving me so much grief about obtaining the correct payoff quote. We requested the payoff letter ( attached ) on XXXX and to this day have not received a payoff letter with the correct numbers. We were hoping to close last week but because they have given me the runaround, all my other creditor payoff quotes have become or soon will expire. I have been assessed late fees from my credit card companies, and surely will be reported as having late payments to the major credit reporting bureaus. Not only this- the reason TMS is refusing to update the payoff letter is because they are claiming I owe them roughly $ XXXX for a partial claim that HUD has ( and has paid off ) on my home. In XXXX I applied for a forbearance on my mortgage loan because I lost my job due to the COVID pandemic. In XXXX, I started working again and began making payments. The amount that I did not pay during the forbearance period went into a partial claim with HUD or XXXX. I signed the documents and have notarized copies ( attached ) of the promissory note and deed with states this. However, TMS will states that I owe them for the partial claim. The title company that I'm working with received a payoff letter from HUD/XXXX which states I owe them for the partial claim. I just want to refinance and finally be done with TMS - they are the worst company in the history of companies. They never call me back when I ask. And I've asked them since XX/XX/XXXX to take care of this partial claim issue. They've told me that it was taken care of and I believed them, only to be fooled. I was in the phone yesterday for 2 hours trying to resolve this issue. A supervisor did not want to come to the phone. First they said all supervisors were helping other customers and towards the end of my call, I asked for a supervisor again and the rep told me all supervisors were in a meeting but she promised to request a call back from a supervisor. This is what they say each and every time I call but I NEVER receive a call back. I have to be the one to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Total Card, Inc.
State: OH

Complaint narrative:
I have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
these inquiries were not authorized by me personally

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 2022-03-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
these inquiries were not authorized by me personally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NC

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CA

Complaint narrative:
My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.

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 2022-03-09 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: CA

Complaint narrative:
My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with REGIONS MORTGAGE. Previous to COVID, I had never missed a payment or even been late a single time in over 10 years. My credit was well over XXXX. This changed when forbearance ended and REGIONS set me up with a counsellor to get back current. I spoke with them and was assured of a smooth transition adding the missing amount on to the end of the loan. Satisfied with this resolution, I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue sometime shortly after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem in XXXX. Please help ASAP. 

thank you! 
- 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 2022-03-09 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: NC

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-09 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: NC

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got 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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hi, My name is XXXX XXXX, I have a debt from JPMCB Card under the account # XXXX that isn't my debt. I have no knowledge of this account neither have I partaked in any business with this lender or conducted any business. My identity was compromised in a data breach back in 2017 so I filed a FTC complaint in which I will attach regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have a Barclays Uber Mastercard. The card expired and I received a new card and did not activate it. I received a very rude call on XX/XX/XXXX that I owed {$700.00} + on the card for uber rides. I went into the system and indeed someone had stolen my card and gone on many trips. The card was expired and also I had the new one and had not activated it so I was not watching the charges. I spoke with Barclays and they assured me they would go through fraud with them. I made a {$71.00} payment to not go to collections as i was in the middle of getting a mortgage and needed to make sure my credit wasn't hurt but this. 
I received letters from Barclays showing that I was not responsible for these charges and they would credit my account. 
Today, I received an email that a payment was due. I went into my account and I still owe for all these charges. What is strange is every charge has a negative below it but they are not crediting me for this. I have wasted XXXX hours on the phone with Barclays, from time to time they disconnect from me and I have to call back. I believe they are not acting in good faith as I have said I want to cancel my card when this is all resolved.

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 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got 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 non-monetary relief