vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX  and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive tried multiple times disputing these transactions that i did not authorize in which if you clearly go back on my bank statements this particular card in question that i called about the represenative told me that yes my card and my account was compromised but back to my statements these transactions in questions ive never used these merchants before and when i tried to dispute them with bank of america they denied them the dispute then they sent me a letter saying they will open my case up again and investigate it and my case will be open until XXXX of XXXX but i just received another letter saying again it was denied the first claim in question is for the amount of {$480.00} the claim number for this one is XXXX this has been an ongoing claim for a few months now even when they claim seem to have closed the claim and i couldnt understand why i had left it alone but they were the ones that decided to open up the dispute again just to deny it so thats when i decided thats not fair obviously they seen something was wrong but they just didnt want to give my money back ive received the latest denial letter XX/XX/XXXX for card ending in XXXX the next unauthorized charges i tried disputing was for XXXX XXXX purchas on XX/XX/XXXX $ XXXX a XXXX XXXX purchase on XX/XX/XXXX for - {$170.00} and another charge on XX/XX/XXXX for $ XXXX using card ending in XXXX which again i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
PLEASE HELP! 

I send XXXX a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. XXXX has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and XXXX obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. XXXX is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with XXXX has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that XXXX has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX because I feel I need additional help/ back up due to the fact that XXXX continue to tried to bully and intimidate me. 


15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hi, I had a credit card and car insurance from XXXX XXXX XXXX. I barely use the credit card. When I was due to pay my car insurance I sent the money to credit card by mistake. I ask my bank to get the money back, same time I had sent the same amount to insurance. My bank ( XXXX XXXX  ) wrote back to me that ; need more information 's, which I don't have. This happened more than year ago. Since then I'm trying to get this money back. I talked to numerous people on the phone, I went to local XXXX XXXX  office I haven't successful to get my money back. None of them locate my account. What I understand is that when this happening, US Bank took over the XXXX XXXX Credit card division. And neither company can find my account. All of the people I talked, tried to access the account with XXXX, Credit Card number, date of birth, nowhere to find the account. I would like you to help me. I attached the all the documents. Thank you very much.

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 2022-03-19 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
The reason for this complaint is to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Exeter FinancialCorp ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. Ion like having my information being used behind my back so please help me fix this issue ASAP!

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
THIS UNATHORIZED PUBLIC RECORD IS VIOLATING MY FEDERAL CONSUMER RIGHTS. ITS DISTURBING TO SEE THAT THE CREDIT REPORTING AGENCIES ARE REPORTING SUCH INFORMATION WHICH IS CAUSING ME TO NOT MOVE FORWARD WITH PURCHASING A HOME. THIS IS A DEFORMATION TOWARDS MY CHARACTER AND CREDIT WORTHINESS. I TAKE PRIDE IN MY PUBLIC INFORMATION PLEASE ADVISE AND REMOVE 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 explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: TX

Complaint narrative:
I am getting a collections debt for something that my insurance paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper has done numerous things with my escrow account to basically steal money out of it w/o merit then increase my shortage amount to very high amounts. I was able to resolve several of the issues after months of formal complaints and letters form legal counsel threatening of lawsuits but there is still one major issue they refuse to address and just lie about week over week and month over month. 

Mr. Cooper took out {$7700.00} from my escrow w/o checking with me on amount and paid to the county for taxes. I don't know how they came up with that number as the amount owed to the county was always {$7200.00}, which is what the county always had. Mr. Cooper came up with this figure erroneously. I immediately flagged this to them last XXXX when it happened and as you can see after 20+ attempts to be resolved they refuse to give back the money. I have been told its being worked on, its been submitted, its been this and that- all XXXX Other then feeling robbed by this evil company my mortgage payment has gone up over the past 6 months bc of their error as I have had a shortage in my escrow fund- 0 fault of mine and 100 % of this company. 

This is totally unacceptable and hoping not only to have my situation resolved by that a very thorough audit is done against this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( EXPERIAN, XXXX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..

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 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
All my collection accounts show account open. Per FCRA, a collection account can not report a collection as open account. I want all collections removed. This is a violation of the FCRA. All these accounts have errors. I want these accounts removed. Not closed as other accounts I disputed. I want these accounts removed. All three Credit bureaus are allowing these accounts to be in violation. Im tired of being defrauded. I want to sue all these collection companies. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
Dear Equifax, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who XXXX XXXX XXXX is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Dear XXXX, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who LVNV FUNDING LLC is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello. 
Around XXXX I was paid by XXXX by my employer and was at home and asleep in bed when that money from my job was loaded to my direct deposit card. As I awoken at XXXX. I turned to call my partner from my cell phone shortly after we hung up I went to check my phone around XXXX to discover at the same time my card was hacked around XXXX to about XXXX three illegal transactions were made one was for XXXX the next was for XXXX XXXX all from a XXXX in XXXX. Mind you I am about 10 to 12 miles from XXXX XXXX XXXX. And its would truly be impossible for me to be in two places.. my gf helped me look up the bank it happened at around XXXX she called in my behalf to see if she can possibly find out if the camera at the at it happened at caught the person but they refused to tell her anything if course. But at the same time at XXXX I went to my employer and had to pick up my proof of XXXX check stub to prove this account was my account that got hacked.. I was told they needed my pin but knew this happened to me before from a security guard company that also had eazy to hack pay roll cards cus I was hacked from an entirely different state 3 years back and the money was return months later. But in this issue it happened so fast I wasn't able to freeze it because it happened as I was looking to make an in home bill payment and didn't even process it because there was only XXXX left in my payroll card account. I called the US Bank focus card customer service hotline to start the dispute but they are lagging to send me any documents to prove this information as fact the are doing the investigation but how is it that me and my XXXX  XXXX figure this out faster then my payroll card company I was XXXX. I gave no one my card info or my bank pin to use this so my only fear is that this person whom ever they maybe has been either using an old cell phone that was stolen month back which did have info but not my pin but how idk I am aborting this issue because my phone was stolen at a job site then I have a new phone and secure all info with protective codes. So for this hack to happen at an early morning time where I can prove I was home the whole time makes no sense by the end of the day I am left feeling robbed pushed aside and insulted over this action of fraud an false identity and illegal transaction of thift.. 

This happen at XXXX XXXX .early.friday morning XX/XX/2022. I was home. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
XXXX exists to profit from the financial instability of students. This conflict of interest, particularly when considering they handle vast amounts of the XXXX XXXX monies, mustn't be taken lightly. It impedes social mobility. 

The Western world posits value-based sectors and companies are necessary to the framework of a free market, yet XXXXXXXX XXXX  deliberate disregard for the financial health of the individuals the company is supposed to serve calls into question its position. They would not exist if not subsidized by the Federal Government and abuse the fact the XXXXXXXX XXXX  finances, in theory, can not be untangled from those of the company due to their long-standing relationship and data structures. Such realities have benefited their bottom-line rather than the individuals forced into using their products by the XXXX. 

They referenced the entire sum of my XXXX XXXX on what creditors refer to as the " XXXX XXXX '' of a given loan. Half of that amount was the legitimate sum owed -- and yet they've failed to correct such discrepancies despite my asking. Furthermore, a representative of the XXXX  advised me that no payment was necessary for the next several months due to the CARES act, adding no accounts would go into collection if one chose to hold off on said debts. 

Most folks ' credit-based foundations are nascent when first entering college. It is highly callous to sabotage their financial future and stability by contracting with a company that cares little for those Americans taking their first steps into adulthood, provided credit scores affect one 's ability to get hired, obtain lines of credit, and virtually every other aspect or strata where social mobility is relevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: TX

Complaint narrative:
I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last 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 explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX  See Attached Documents. This corporation is in violation.

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 2022-03-19 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: TX

Complaint narrative:
I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last 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