vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
I began with XXXX XXXX back in XXXX. I began teaching in XXXX. 

1. Began repayment in XXXX on loans 2. Paid until XXXX 3. Went back and forth with schooling and having to add units to my credential to keep it current. Put loans in forbearance. 
4. Began paying again in XXXX and in XXXX had to file XXXX XXXX, loans were with XXXX XXXX, during Chapter 13, over {$13000.00} was paid to XXXX who held the loans. The payments totaled enough to cover the 5 years. 
5. Came out of XXXX  XXXX in XXXX and loans were held by XXXX and began paying. 
6. In XXXX I began a XXXX and had loans, I consolidated these loans to qualify for Public Loan Forgiveness.

Now with the Waiver, and according to the language " all payments will count, partial, late, zero and wrong plan payments ''. I should be credited my 5 years worth of payments and be done with my 120 payments. 

I am told that because it was reported as in forbearance those 5 years do not count, yet payments were made. 

In addition, every time I called Fed Loan in regards to the high " qualifiying '' payments I was making, they put me in " general forbearance ''. which too does not count. 

Fed loan, never has the same information, every time we call. My wife and I both have loans with them, and we have had nothing but issues with trying to get the proper payment plans, and being put constantly in forbearance. 

The waiver 's language " any payment, no payment, partial payment and wrong plan '', should mean forbearance as well. 

WE have been deceived by the Loan Servicer. Fed Loan makes more money if the borrowers go into forbearance, so they pushed us there every time. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize.

Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score.

Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -Ally Financial from XX/XX/2021 -Ally Financial XXXX  XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXXrom XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. 
Thank you for your 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 2021-12-30 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: GA

Complaint narrative:
The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: SC

Complaint narrative:
The disputes have been resolved since XX/XX/2021 but it was bought to my attention, the dispute verbiage is still reflective My dispute has been concluded for quite some time I would like the dispute verbiage to removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX I received my statement and notice that a home owners insurance payment was made to a company I was not familiar with. On XXXX I spoke with representative XXXX he did not provide me what I wanted so I requested the supervisor, he said one would call me back. I received a call back there was a voicemail message but no name of the supervisor and the call back number was automated. I called back XXXX spoke with representative who stated a supervisor would call me back i a couple days. I never received a call back. I wrote XXXX ( the money source ) an email regarding the payment to the company. During my original conversation with XXXX XXXX was discovered that XXXX did not pay my XXXX insurance and decided to pay it about a year later and they did not notify my had no insurance. I requested the monies be returned to my escrow account as my insurance company that I always use, does not go retro. To no avail were they willing to refund my account but did send me information that my mortgage would be going up and I know it was due to them paying the money to the insurance company which made the escrow account short. In beginning XXXX I mailed a letter to their escalation department received a call with no resolution. I have received notification about my XXXX insurance not having it but did not receive notification of XXXX. I am requesting a refund of the {$1700.00} that was deducted from my escrow account due to their oversight of not informing me nor paying the insurance which is their responsibility due to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a Chase representative ( XXXX ). This number is actually a Chase fraud number, and I was tricked into believing that the person on the other line was actually a Chase representative. The person provided me a name and an employee ID number and notified me that my XXXX account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my XXXX account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from Chase. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to XXXX money to myself using my phone number to my phone number. To be more clear, I was using XXXX to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my Chase and XXXX acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. I called this phone number directly during this time period at a separate time, and it took me to Chase 's answering machine, so I knew this was a Chase verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual Chase number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from Chase that my disputed funds were not approved and that I would not be receiving my money back. This is despite the fact that my account was clearly hacked. I have already contacted XXXX recently through this consumer complaint form, however they have directly stated that it is up to the " bank or credit union and their terms and conditions with their users regarding reimbursement of any payments made ''. As a result, I believe that Chase needs to act on this and help return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I filed a complaint with the CFPB against Amsher Collection Agency about their attempts to collect a debt in the amount of {$430.00} and report information to XXXX that does not belong to me on XX/XX/XXXX. I immediately began receiving calls on the same day that I filed my complaint on XX/XX/XXXX from Amsher Collection posing as the TN Department of Health in their attempt to collect personal identifying information to collect on a debt that belongs to a XXXX XXXX. I am not XXXX XXXX. The name that came across my caller ID on XX/XX/XXXX to XX/XX/XXXX was the TN Department of Health and a XXXX XXXX XXXX left voicemails stating that he was with the TN Dept of Health asking me to verify my name, date of birth and that of my children due to a XXXX  health concern. Amsher Collection continued to pose as the TN Department of Health but specifically asked that a XXXX XXXX return their calls from XX/XX/XXXX to XX/XX/XXXX. I am not XXXX XXXX. I called the TN Department of Health and they said that the TN Department of Health is not associated with the telephone number XXXX or anyone named XXXX XXXX and that they would not ask me for that type of identifying information for XXXX. I called my childrens physician and their schools and asked whether the TN Department of Health had contacted them about my children and any XXXX related health concerns. My childrens physician and schools stated that they were not notified of any health issues or XXXX related concerns regarding my children. Once I verified that the calls from the TN Dept of Health were scam calls from Amsher Collection posing as the TN Dept of Health I then continued to be called by random numbers from different cities in the state of TN and then began receiving robo calls on a daily basis. 

The timing of my complaint with the CFPB and the receiving calls directly preceding my complaint on the XXXX are not a coincidence. Amsher and XXXX have the wrong person, name, and address and are calling my cell phone impersonating the TN Dept of Health in an attempt to connect me to billing and information that does not belong to me. This is not my debt. I have recordings of the voicemails and have filed a complaint with the FTC regarding the calls and impersonating the TN Dept of Health. Amsher Collection Agency and XXXX XXXX XXXX ( XXXX ) collection tactics of scaring me into believing that my childrens health is at issue to collect identifying information to pursue debt collection is beyond deceptive and abusive and a definite violation of the FDCPA and FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX well being, as well as my physical health - XXXX XXXXXXXX XXXX XXXXXXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXXXXXX XXXX seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX 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 2021-12-30 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: TX

Complaint narrative:
XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX  well being, as well as my XXXX XXXX - XXXX XXXX, XXXX XXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXX 's seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize.

Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score.

Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXXXXXX XXXX XXXX from XX/XX/2021 XXXXXXXX XXXX  from XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I got a change in credit score from XXXX XXXX saying I owe over {$20000.00} in loans. Report was by XXXX. I dont have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This in reference to my Wells Fargo Financial Platinum Visa card that I been a member since XXXX. 
For the year XXXX, I was charged {$180.00} in late fees. My payments are due on the XXXX of each month. I did not notice this till I saw my annual report that showed I had late fee totaling {$180.00} ( XXXX. XXXX {$24.00}, XXXX. XXXX {$40.00}, XXXX. XXXX {$40.00}, XXXX XXXX {$40.00}, XXXX XXXX {$40.00} ) I made the following payments - XX/XX/XXXX ( paid {$1000.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$700.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), and XX/XX/XXXX ( paid {$2000.00} on XX/XX/XXXX ). They charged me late fees even when the bill was showing the money was paid. 
They paid me back {$80.00} as a one-time courtesy as if I failed to make my payments. The person on the phone was rude and side it was my fault I have to abide by their rules of payment. - I do not understand. I only know to pay my bills before the payment deadline.

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 monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I continue to have issues with Ally. I wasted over an hour while an agent told me I needed to submit a change of name form. I hung up after never getting a full resolution. I called back the next day and was told something completely different by XXXX. Apparently Ally has my name entered incorrectly. This is my experience every time I reach out to Ally. I still have no reached a resolution and am unable to deposit the check.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: V and H Portfolio
State: TX

Complaint narrative:
Company name : VANCE & HUFFMAN LLC Im seeing two dates of : XX/XX/2021 & XX/XX/2021 In the balance of : {$920.00} I received an alert of this collection today XX/XX/2021 & quickly disputed because this is completely fraud & unfair! 
This company has reported to collections and decreased my credit score over XXXX points! I have absolutely no idea what this is & its definitely not from me. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: IL

Complaint narrative:
I have been in contact with Equifax for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. Equifax has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXXXXXX- # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue Equifax for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.

Company response to consumer: Closed with explanation