vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
A fraud complaint was first put into Barlcays in XXXX of XXXX. Over the intervening period the fraud complaint had to be resubmitted at least two more times because Barlcays continues to not fully address the issue. Now in XXXXXXXX XXXX XXXX Barclays has removed all of the fraudulent charges and most of the related interest and fees related to that fraud. BUT not all of it. Barclays continues to demand {$41.00} in late fees and interest for charges that it agreed are fraudulent. 

I attempted to address this with their President 's office by leaving a voicemail three days ago. There has been no contact back from Barclays. 

I expect Barlcays to remove these erroneous charges and to correct their reporting to the Credit agencies.

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 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AR

Complaint narrative:
Fedloan servicing sent my student loans to XXXX when they were supposed to send them to XXXX. They failed to even record the transfer, so it was listed as still being at XXXX XXXX. 
This caused my credit score to decrease unnecessarily, because now I will have 2 closed accounts instead of one. It has also caused an almost year long delay to my PSLF application being processed. This has been a huge financial burden to my family, and we are unable to make plans.

I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spent months calling XXXX and was finally told this summer that Fedloan did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so XXXX would have to do it, but it still had not been processed at all and never showed on my account. 
After many, many calls, I spoke with XXXX who said that Fedloan had my loans recorded as still being with XXXX XXXX. In reality, Fedloan transfered my application to XXXX and my loans to XXXX. After XXXX years of paying, 15 years of working for nonprofits, and 11 months of trying to get my application through, nothing has happened. XXXX has not even received the request to transfer my loans. When they do transfer, my account with them will close, and it will lower my credit score for no reason. They should never have had my loans, so it makes me look like I had an account for a very short time. I go to a great deal of trouble to keep my credit score high and am in the process of trying to buy several properties. I can not afford to have my credit sabotaged by incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, we purchased {$14000.00} worth of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had a XXXX 0 % interest promotion financed through Comenity Capital Bank . This loan ( account number XXXX XXXX XXXX XXXX ) was on a monthly payment plan to ensure the full balance was paid off within the XXXX promotional period. 

Then in XX/XX/XXXX, we made a 2nd purchase which also had a 12-month 0 % interest plan, and was told by the reps at the XXXX & XXXX XXXX XXXX XXXX XXXX FL store that it would be a 2nd/separate loan with its own 12-month 0 % interest promotional period. 

But it was not set up correctly, and the amount from the 2nd loan was added into the first loan which caused the first loan to go into default when its promotional period expired and has kept the account in default the entire time incurring more late fees and penalties until the full balance of both loans was fully paid off. Also, at the same time, the 2nd loan amount was added, and our account was changed to paperless without our consent which caused this issue to go unnoticed for a period of time. 

Once it was discovered, we first tried to contact the XXXX & XXXX in XXXX XXXX XXXXXXXX XXXX store manager who advised us there was nothing he could do, to contact XXXX XXXX the XXXX XXXX XXXX for XXXX XXXX XXXX and Comenity. 

XXXX advised us to submit/open a case with Comenity regarding this, which we did and were promptly denied stating nothing can be done due to it being more than 60-days. XXXX attempted to address this case with Comenity and was also denied for the same reason. 

We attempted to fight this with Comenity Capital Bank on multiple occasions and were told each time that the issue was caused by XXXXXXXX XXXX XXXXXXXX because Comenity wouldn't have added the 2nd loan amount to the first loan unless the instructions from XXXXXXXX XXXX XXXXXXXX indicated to do. 

Each time we requested/demanded for Comenity Capital Bank provide us with documentation/proof that the order was done improperly by XXXX & XXXX. Each time Comenity Customer Care Supervisors refused to do so and claimed that the document doesn't exist due to it being over XXXX ago old though Florida state law requires the retention of all loan origination documents for 7-years. 

The bottom line is, by Comenity Capital Bank improperly added the value of the 2nd loan into the first loan 's 12-month 0 % interest promotional period, it caused that 1st loan to default and incur over XXXX XXXX in penalties and fees. Comenity has refused to remove any of the late fees or penalties while providing zero proof that anything was done improperly by XXXX XXXX  XXXX and they don't seem to have any systems in place to handle anything over 60-days old which allows them to categorically deny any situation like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In the month of XXXX and XX/XX/XXXX there was some unauthorized transaction going on with my account in which totalled the amount of XXXX. I reported it to the bank once I caught it and they begin to investigate and I was denied, due to they stated the charges was valid, I sent in evidence to show that they wasn't valid and I was told they lost the paperwork that I sent in so I had to send it again in which I did and they reopened my case and I have not been informed about anything since than and I have been reaching out to them and not getting no answer. I have been with this company since XXXX and this is the first time I have waited this long for a decision in which is not being no communication from them and I truly don't understand why. It's very frustrating when me as the customer did all the right steps and they lost my information and I had to re-send in order for them to open back up my case to not get an answer by now. This has to stop because they have all these departments that is attached to there company and can't get it right, it's not fair and I need a answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX, account, xxxxxxxxxx XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all three agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and Iam req proof of debt. Last payment for XXXX shows XX/XX/XXXX, and XXXX shows XXXX, XXXX XXXX. Account status for XXXX shows collection and XXXX  shows open. Last payment for XXXX show XX/XX/XXXX, experian shows XX/XX/XXXX and XXXX  show XXXX XX/XX/XXXX. Please remove this off my credit reports.

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 2022-11-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Well, I contacted XXXXXXXX XXXX XXXX  and they informed me that the information they were reporting was from Equifax. They also sent me a letter stating that they were not reporting bankruptcies that Equifax keeps reporting on my credit profile. I called Equifax and they told me to get a deletion letter from XXXX. I had already provided all the proof to them and they still will not take the inaccurate information off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
XXXX was paid in full by Medicare after they received corrected claim. Billing dept reimbursed me {$290.00} and told Apex to remove the {$100.00} in XX/XX/2022. They keep billing and calling me for it even after I sent proof from Dr and billing dept that I have a XXXX XXXX I want them to stop calling me because I was already was told by an APEX rep that it was removed in XXXX, yet they persist with harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX Bad credit report from convergent outsourcing for unpaid sprint bill I paid it up in full on XXXX Confirmation # XXXX of payment for Convergent outsourcing XXXX agent Name : XXXX XXXX She said can't email confirmation so above is the confirmation number. 

XXXX i called XXXX to remove bad credit report they said convergent outsourcing put in on their responsible to remove it. 

XXXX spoke to : XXXX XXXX XXXX Supervisor Convergent outsourcing handles sprint accounts Asked her to remove the negative report from my account she declined! 

i was hit with over XXXX points going down my score! and negatively effecting my credit, essentialy Locking me out of functioning financialy. 

I had an excellent credit over 770! 
Now i got hit like crazy showing credit score is now XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
i already pay GAP Credit card i think 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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: MA

Complaint narrative:
I moved out of my apartment on XX/XX/2022 for medical reasons. ( Of note : The apartment that I was given on move-in day was not the apartment that I was shown for rent. ). A pipe broke in the apartment upstairs from mine in XXXX XXXX XXXX  whereby I was displaced from my apartment for 21 days. The ceiling collapsed and wasn't repaired properly, as they tried to paint over the water damage, so it fell several more times, even after I moved back in. The apartment ended up being chronically damp with black mold growing at the bottom of the hall closet. The water coming thru the ceiling brought with it the tar from the prior tenant who was a XXXX XXXX and I now had brown dripping water throughout my apartment and the odor of old smoke. 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. 
Things hadn't resolved by the end of XXXX when I moved out, as the XXXX XXXX XXXX XXXX XXXX still had two open cases for my apartment alone. 
The prior manager, XXXX XXXX, was very understanding of my need to break the lease for medical reasons. Apparently, when she left to take another job, her replacement, or XXXX XXXX themselves, put a derogatory mark on my credit report stating that I owed them {$2500.00} as of XX/XX/2022 for XXXX XXXX XXXX. 
NO ONE EVER CONTACTED ME ABOUT THIS DEBT. IT IS LISTED AS " IQ DATA '' ON MY CREDIT REPORT BUT I JUST HAPPENED TO SEE IT THERE. 

I contacted XXXX who told me to reach out to XXXX XXXX to help me resolve the situation. I did this twice and he never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CT

Complaint narrative:
During the first week of XXXX, I contacted Great Lakes to request the funds I paid during the Covid-19 payment freeze be refunded. They told me my request would be " honored '' and would take " up to 45 days '' to process. After 45 days had come and gone, I followed-up and received the below response. They never notified me of any change to the 45 day window I was provided and now they are playing games.

They are also claiming I have a balance for a loan I paid IN FULL because they have processed the refund in their system, but are holding back the money. So it now appears I have a balance, even though they didn't actually refund the money. 

Hi XXXX, Thank you for your email. 

We are now waiting for the U.S. Department of Treasury to approve the refund requests before funds can be issued back to the remitter of the payment. We appreciate your patience while our Payment Processing Team works diligently to process your refund request. Due to the high volume of refund requests, we can not provide a time frame for when you will receive your refund. 

If you have additional questions or concerns, please do not hesitate to contact us. 



Sincerely, XXXX XXXX XXXX Great Lakes Educational Loan Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: LA

Complaint narrative:
After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.

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 2022-11-08 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: LA

Complaint narrative:
After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.

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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on XXXX, and has yet to do so on XXXX and TransUnion. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the 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 2022-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX  XXXX Account # 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. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on Equifax, and has yet to do so on XXXX and XXXX. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I received a letter from the TRS Recovery Services saying I have a debt with a company I am unaware of. I have recently been a victim of identity theft and think this is connected. Please let me know if you need additional information. My reference number is 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