vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 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: FL

Complaint narrative:
Studentaid.gov login issue is discriminatory. 

The Studentaid.gov login process creates an unfair burden on borrowers with a Puerto Rican area code. The Studentaid.gov website requires that you verify your cell phone number prior to accessing any account information. This process includes Studentaid.gov sending your cell phone a text message with a unique code to enter into the website. 

Due to the fact that my cell phone number has a Puerto Rico Area Code ( XX/XX/XXXX), Studentaid.gov is unable to text me this code needed to login. This makes logging into the system very difficult because cell phone verification is required to proceed to account status - I had to delete my cell phone number in order to proceed. 

Despite the workaround of having to delete my cell phone number ( I was ultimately able to login ), my  ability to full utilize the website is hindered by not having a cell phone number as an available account recovery method. 
Given that the majority of people who live in Puerto Rico and/or have Puerto Rican area codes are Spanish speaking or belong to a minority group, this practice/policy is discriminatory, and creates a hurdle for people living in Puerto Rico to access their account information that people living in one of the US states do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My Home Depot Account ( Citi Bank ) was part of the program At some point Citi sold the account to XXXX XXXX XXXX. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be XXXX XXXX XXXX. XXXX XXXX XXXX more specifically XXXX and XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact XXXX myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by XXXX their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the first of XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive

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 2020-01-27 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-01-27 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: NC

Complaint narrative:
On XX/XX/19 I visited a bank of America branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX at approximately XXXX. I attempted to make a cash deposit for {$600.00}. The atm malfunctioned and attempted to take my cash. I was able to get {$140.00} back out of the atm the remaining {$460.00} was sucked into the atm. immediately a message appeared stating we can not process your transaction. No receipt provided, it just took my money and said error. 

I immediately called into the disputes dept to file a claim. The representative asked for an ID number for the ATM. I told her as I had no receipt all I can tell her is that it was the atm in the middle lane as this location has 4 ATMs in its drive thru. 

The representative advised she saw the atm that had malfunctioned around the time of my call and stated that was the atm she would make the claim for. I asked her how she could be sure she was filing the claim with the correct atm, she assured me that she had the correct one because the system could see which one had an issue. 

A month later I get a letter stating my transaction was located but no cash was found. I would be debited {$460.00} on XXXX. 

I escalated the issue to the CEO 's department and I was told that because my money was not located they could not credit me. I asked what means were taking to investigate. I wasn't given any details except that a cash count was performed. I asked on which day? they couldn't tell me stating Bank of America proprietary information. 

I was never given a transaction ID to prove that they actually located the transaction. I was never given any description of how they went about looking for my money. 
I told the representative to pull the video tape of me making the deposit. 
She stated she was unable to see what went into the machine. 


The representatives at Bank of America are telling me that my money is gone and theres nothing they can do about 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 2020-01-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Ive filed a dispute with XXXX  and XXXX   about this debt that clearly doesnt belong to me. This card belonged to my deceased father and Portfolio Recovery Associates refuses to acknowledge that, even though the Social Security Number, and address are not associated with me. Theyve gone as far as to try to sue me for this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2019 I called Chase to discuss my credit card bill and also to close my account. I spoke with a representative and advised them that I no longer have use for this card and would like to have it closed. At the time, my bill came in for {$170.00} with payment due on XX/XX/2019. I asked for a courtesy refund of the XXXX $ annual fee - the rep agreed that since the fee was only charged in XXXX, I qualified for the reversal. I also asked for the fees to be waived, which the rep agreed could be done, {$27.00} in fees, and {$2.00} in interest. Since I was getting all these reversals, the rep told me I only needed to pay the DIFFERENCE. 
So the math for this was : {$170.00} minus {$95.00} mins {$27.00} minus {$2.00} = {$50.00} remaining balance and payment due. I made the {$50.00} payment on XX/XX/2019. Yet I received a bill for the XXXX statement with a balance on my account. My account should have been XXXX  'XXXX out by the XXXX statement. Now the XXXX statement comes with late fees, interest, and other fees. which is extremely deceptive and abusive, also ridiculous because it's unwarranted. It is not my fault that the rep did not do as promised. I am not liable for this bill. The rep failed to reverse all the charges, and HENCE XXXX continue to have a balance and now additional fees that I am not liable for. I am requesting for everything to be made whole and all fees/annual fees to be reversed as promised. This account should be at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-27 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-27 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: AR

Complaint narrative:
In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: AR

Complaint narrative:
In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX  XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MD

Complaint narrative:
Lexis Nexis is reporting incomplete information about an auto accident, which has caused a 45 % PERCENT increase in my auto insurance rates. I would like the record corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
On or about XX/XX/XXXX, LoanCare filed a foreclosure complaint with the competent jurisdiction of Connecticut. Since this is a VA Home Loan, the VA wrote me a letter stating that I could reinstate my mortgage. 

On XX/XX/XXXX, I had paid {$35000.00} to reinstate the mortgage, which exceeded the reinstatement value provided to me by LoanCare. The mortgage should have been reinstated at that time, but the mortgage was not reinstated and LoanCare proceeded with foreclosure proceedings. 

On XX/XX/XXXX, I received an email from LoanCare stating that they did receive any money to be applied to my mortgage and continues to proceed in contacting me for debt collection purposes.

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 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
XXXX  XXXX XXXX ; is trying to collect a debt that's not mine. XXXX XXXX had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; XXXX  XXXX then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, XXXX  XXXX understand that's its ID theft also ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was contacted by Discover Bank in XX/XX/2019 and told to reach out to them regarding my checking account. When I contacted them I was told that my account was being closed and that they needed an indemnity agreement in order to receive any funds that were in the account. I reached out to all of my banks at that time and asked for this letter and was met with confusion on their part as to why this was necessary for Discover to release my funds to me. I reached back out to Discover in XXXX and was told that I could wait 90 days and would receive a check from them. I waited 90 days from that time and did not receive any check. I reached back out to Discover in XXXX and was told the same thing yet again- that I needed an indemnity letter from another bank and when I told the supervisor I was on the phone with that I was told that I would receive a check in 90 days I was told that I had been given misinformation from the person I had spoken to. I have been unable to get the indemnity letter from any of my banks and Discover has been holding my money for 5 months at this point. I'm reaching out to the CFPB in an effort to get any help I can with getting my money back from Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times 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 loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is an official grievance against XXXX XXXX based in XXXX, Georgia. This company is reporting an incorrect payment status. This company has consistently disturbed my consumer rights under the Fair Credit Reporting Act and has resulted in much unneeded financial AND XXXX XXXX. For starters, they're reporting an incorrect 60 day late payment status on an account on my credit file. I have always paid this account on time and it has been paid in full. I disputed the incorrect payment status in XXXX, XXXX, XXXX, and XXXX of 2019 and received no responses. In spite of my efforts to remedy this depressing problem for many months now, XXXX XXXX has entirely overlooked my interactions and legal submissions to correct this erroneous information on my credit report. I am quite aware of the many, various other grievances filed towards this company for their unjust and questionable business. This company 's less than professional interactions or lack there of has caused severe harm, not only to my capability to initiate credit & good interest rates, but also to my character as a Professional and as a person. Please allow me, and the countless other consumers just like me, to put a conclusion to the performance of these ghastly business habits immediately. I genuinely appreciate your time and service in this matter and hope to hear from you very soon.

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 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Loan No. XXXX I called Citizens One Home Loans on XX/XX/XXXX and sent an email to advise I was having a temporary financial hardship and requested a loan modification/forbearance. I spoke with 2 representatives that day and they indicated they would mail me the paperwork necessary for my request. I did not receive the paperwork until XX/XX/XXXX. I submitted my loan modification/forbearance paperwork to Citizens One Home Loans XX/XX/XXXX. I also forwarded a partial payment of {$900.00} on XX/XX/XXXX. I submitted another partial payment of {$1000.00} XX/XX/XXXX and plan to pay off the remaining owed by XX/XX/XXXX. I just received my partial payment back in the mail with a request for payment in full no partial payments accepted. I have called Citizens One 3 times just today and no one picks up the phone. I have called 3 of their phone numbers and still no responses. Called several times and no answer. I need assistance in getting a response from this mortgage company. Appears they are purposely not accepting payments or calls in order to foreclose on my property. Please let the records show I have done by due diligence in trying to get this resolved and Citizens One is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In the second week in XXXX I have noticed that my business account has a check cleared for the amount of {$2600.00} under an unknown name. Since that check was Written to my waster company for for {$230.00} and was dropped off at the mail box. I have called Td bank immediately and they have explained to me that this check has been washed and cashed! 

I have information my bank immediately and frozen my account! The next day I have gone to my local td bank and opened a new bank account but they have failed to help or inform me that I have to make AFFIDAVIT OF FORGERY and send me in my way! 

THRE MONTHS has passed and I have been call them and going into several branches and they have all said you have to wait or it takes a while! Then finally they informed me that I need to fill in the AFFIDAVIT OF FORGERY and to file a police report too! THRE month later!!! 

FORTH MONTH LATER STILL NOTHING! 
I call they tell me the have no further information?! This is the first time my business has been defrauded and expect THE BANK to tell me what steps and need to take when something like this occurs! It doesnt take four month to give me my money back! I am a small business and this is a very large amount for me to loose! Please help!

Company response to consumer: Closed with monetary relief