vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : XXXX XXXX Amount now XXXX and garnishments continue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION RENTAL SCREE Inquiry : XXXX XXXX, 2020, XXXX XXXX DEALER S Inquiry : XXXX XXXX, 2020, XXXX  Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I graduated from the University XXXX XXXX in XXXX, with a total of {$45000.00} in federal student loans which I consolidated that year. I made payments except when I obtained a deferment for financial reasons. In XXXX I filed for Chapter XXXX bankruptcy. I tried to make student loan payments, but they were returned by AES. I completed my plan and my bankruptcy was fully XXXX in XXXX. 

In XXXX, I was advised by AES that my loans now totaled over {$130000.00}, due to the interest that compounded during the bankruptcy. My attempts to have AES forgive the interest during the bankruptcy ( since it refused payment ) were futile. The balance is now over {$160000.00}, and I will be in repayment until I am XXXX XXXX XXXX. The monthly payments are {$1300.00}. Again, I graduated in XXXX, and have not returned to school since that year. 

I have repeatedly requested a copy of my XXXX consolidation application, to find out the repayment terms. AES can not provide me with the document. I have been making payments now, excluding deferments and the five-year bankruptcy period, for 22 years. 

Any help will be greatly appreciated. Also, I have been denied a pause on payments during the pandemic, which is difficult, as my husband can no longer work due to a XXXX. Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Yesterday, XX/XX/XXXX, Bank of America closed my account without prior notification, I called to ask what had happened and they didn't give me an explanation, they left me without a dollar, I don't have to pay my debts or buy food because I have my money there, please help me. 
Now this will be a problem for me because it will affect my XXXX XXXX since I have a credit card with it

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/21 I checked my credit report for the first time in a very long time and it was brought to my because my score was so low that accounts had been opened in my name without my consent. I reached out to each credit bureau and they told me that I would have to get a police report to get it removed. I had a police report filed and sent in but now they are stating that no account numbers are on the report. I have the report numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I submitted a complaint to Equifax via the CFPB portal. I would like to cancel this CFPB as filed. Complaint number XXXX. I no longer wish to dispute the item reporting. I have attached a copy of my credit report for reference. Please discontinue investigating this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I transferred money to my brother via PayPal. My understanding was that I am sending {$3000.00}, {$0.00} fees and he receives {$3000.00}. The reality is that he ( the recipient ) ended paying 7.4 % fee. When I asked PayPal to revert the transaction ( my brother was going to refund the money ) I was told by PayPal that he would still have to pay the transaction fee. I believe that their practice is not clear to the sender and that PayPal takes advantage of people by charging them abnormal fees. Most banks would charge {$40.00} to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Affiliated Management Services
State: KS

Complaint narrative:
On XXXX XXXX, 2021, AFFILIATED MANAGEMEN add a derogatory mark on my credit reports. AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. 

I asked that you reinvestigate or delete disputes from my credit report. 

I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. 

I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. 

I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I started this process back in XXXX of XXXX when I noticed my accounts were being flagged with bankruptcies. I pulled a credit report and found a bankruptcy on my report. I disputed the bankruptcy with Experian. They came back XX/XX/XXXX and said it was verified by a third party vendor named XXXX but that if I believed they were incorrect then I needed to reach out to XXXX. I disputed with XXXX back in XX/XX/XXXX and also requested for the description of procedure used to verify the bankruptcy. XXXX came back and reported that they could not verify the bankruptcy. They mailed me out the confirmation letters dated XX/XX/XXXX, proving that they would delete the bankruptcy information from their consumer report. So I then disputed the bankruptcy again using certified mail on XX/XX/XXXX with Experian. XX/XX/XXXX Experian sent me an email stating that it was verified and kept it on my credit report. When I found out about the verification I followed up with Experian via phone on XX/XX/XXXX at XXXX about the bankruptcy dispute. The first agent told me that the bankruptcy was verified but they could not tell me who verified it. Then I got transferred to a supervisor who stated that they couldnt give out the information but that the courts verified the bankruptcy and all they had was a phone number. I told the supervisor that I had received a letter from the courthouse 's clerks office stating that they don't give out any information to third parties and that they are unaware how third parties receive their information. So I ended the phone call by telling the supervisor that they would be receiving another certified letter, requesting a description of procedures and verification used. I sent a description of procedures letter in the first week of XXXX and just recently as of XX/XX/XXXX, Experian stated that the information was verified but never stated who verified, never gave any addresses, names or phone numbers. So I called them XX/XX/XXXX to try to understand why, and why I haven't received the description of the of the procedure used to investigate, who they talked to. They told me they aren't required to give that information out. I mailed all my disputes and letters certified mail. I also reached out to the courthouse because one of there agents told me that the courthouse gave them the information. The courthouse responds to me via mail, stating they don't give information to third parties. I sent the courthouse and XXXX letters to the Experian as evidence especially since I have a copy of dispute results from XX/XX/XXXX stating that they used XXXX to obtain the information.

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 2021-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I reached out to Chrysler Capital on XX/XX/21 at XXXX XXXX  CST about my end of lease options and to get more info on some items on my second account. When I spoke to the representative the information provided was very limited and not clear on what I can do to extend my lease or purchase more miles. Towards the middle of the call the representative advised me I had no options but to wait until the end of my lease. I asked her what are the options for me to turn in early since I was aware leases you can turn in at any time. She advised the fees and credit damage if I turn in my car early. That is when I asked her what will be getting reported to the bureaus. She advised it would be showing that the contract was terminated and that it would affect my credit. I explained to her I was knowledgeable of the credit reporting seeing as I too work with reporting but I asked what would be reported not if it would affect my credit. She proceeded to advise that it would affect my credit unless I wait until the end of my lease. This began to sound like it was an abusive way to keep me in my current lease when all I wanted to is to look at my options to get into a new contract still working through the same company. I called back to file a report and no one was available to do so. This kind of treatment is unacceptable considering how I a consumer with multiple accounts with this organization and this call was to get more information about continuing a partnership. The fact that she provided limited to no options but to wait for me to end my lease makes it a forced on situation on a contract that is known for flexibility to end at any time. To also top it off by saying my credit was going to be affected is deceptive because she is not the credit bureaus to advise my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I completed a business checking application on XX/XX/2021. I contacted the direct banking line on XX/XX/XXXX as I still had not received an update on my application. When I finally got in contact with XXXX XXXX he had me fill out another application and send in documents and ID for all members of the XXXX. XX/XX/XXXX he finally sent over the account agreement but with errors. The errors were so minor he could have literally sent me back the updated agreement ASAP, but I had not heard back from until XX/XX/XXXX which still no changes had been made per our conversation. XX/XX/XXXX to XX/XX/XXXX I had tried to call XXXX and left voicemails 3-4 times and messaged him via IBERIABANK portal several times. When someone finally connected me to him on XX/XX/XXXX, I told him who I was when he picked up the phone and he there was just silence. No apology or anything regarding the delays. My husband also reached out and he rushed off the phone, said he had a meeting and never called back. Which I assume prompted XXXX to reach out to me via the portal on XXXX. It seems everything took a turn once I sent him our personal information that included our age, ethnicity, etc. We have had a credit line and been inside Iberiabanks several times with no issues and that was to actually borrow funds from the company. Now we are at a different phase of XXXX XXXX and need our checking account setup ASAP for our XXXX XXXX XXXX and this has been a total nightmare to deal with. I am not sure whats causing the delay but its causing unnecessary stress and delays with other details of XXXX XXXX The latest email I received says that the account agreement and supporting docs are due within 10 days or account will be restricted. Well, that timeline has passed and there seems to be no concern to our needs as current and continuing customers of this establishment. I have been getting documents back to him same day within the hour each time, but the service we have received has been extremely subpar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After multiple phone calls to TIAA bank and also using their online contact forms I am unable to obtain my 1098 tax form from the company.

Their email reply to me is to retrieve the 1098 from their website. I have replied twice with this text below that they either are not reading or are ignoring : -- -- -- -- -- -- -- -- -- -- -- -- -- When I sign in and click on " View Year End Statement '' it still displays a message saying " Requested 1098 File Does Not Exist ''. 

I did not receive a XXXX statement with the 1098 and now I've just received my XXXX bill. 

If you can not fix the website then just attach my 1098 PDF to an email and send it to me so I can complete my taxes. 
-- -- -- -- -- -- -- -- -- -- -- -- - This is getting serious as it is preventing me from completing my 2020 taxes. This is costing me money and will eventually force me to deal with the IRS which I have never had to do before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I made a deposit a year ago XX/XX/XXXX. They waited a year XX/XX/XXXX to take the {$600.00} I deposited a year ago out that I deposited. I have the deposit slip bank XXXX. XXXX XXXX. Transaction XXXX XXXXXXXX XXXX. Submitted for deposit. XXXX XXXXXXXX XXXX XXXX location in XXXX XXXX MI XXXX # XXXX. Citizens Bank. # XXXX XXXX XXXX citizens bank.com/online-banking No phone call or letter in mail or text or e mail. They said teller was over on her drawer on XX/XX/XXXX and just deducted the {$600.00} from my checking account # XXXX. Citizen bank XXXX. Please investigate this matter. I feel they had no justification to take out {$600.00} from my account with no evidence just based on the tellers mistake. And this is one year later. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now LVNV is saying they opened and account for me on XX/XX/20 on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This account was opened by someone other than me. I have had it gone under investigation and erased from my credit report with XXXX. 
I am asking you to look into this fraudulently opened account- erase it from my credit reports as it was not me whom opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This letter is in response to your recent claim regarding a closed account # XXXX, which you claim I owe {$5700.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: MO

Complaint narrative:
Mailed letters to XXXX Transunion, and XXXX  on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.

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 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
on XX/XX/2021, i sent a certified letter to SOS GROUP D.B.A HEAD MERCANTILE CO INC, A LETTER ABOUT A ALLEGED DEBT OF {$140.00} THAT I DO NOT OWE. ITS SHOWING UP ON MY CREDIT AND I AM SUFFERING FROM THE INACCURATE INFORMATION REPORTING ON MY CREDIT. I REQUEST DETAILED DOCUMENTATIONS CONCERNING THIS ALLEGED ITEM AND I HAVE ATTACHED A COPY BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Self Financial Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation