vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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 — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2021 I loaded {$300.00} onto my card. I went to the gas station and used {$40.00} for gas. I went to pick up my son and get something to eat. As I tried to purchase food my card was declined. I called the bank and they told me I would have to wait until after the holidays so they can see what was posted. Three separate transactions ranging from {$30.00}, {$150.00}, and {$200.00} were charged and overdrawn my account. All start with XXXX XXXX XXXX. The bank told me it was sporting event tickets. I dont go anywhere. I didn't make these purchases and I want my money back. I can't pay some of my bills because some XXXX decided to mess with my money. I have screenshots of said withdrawals.

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/22 I took a call at XXXX XXXX. I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have disputed on multiple occasions with XXXX, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX  and XXXX and nothing changes every time I file a dispute. I run a small business which is a sole proprietorship which is the only income for my family of XXXX  children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: WI

Complaint narrative:
Company saying there trying to collect a debt for aurora health care that I don't have, I'm on a monthly payment plan with XXXX and not in areares.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: LA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: DC

Complaint narrative:
This is a Public Service Loan Forgiveness ( PSLF ) issue. 

I filed my first and only ECF in XX/XX/XXXX. Since I've entered repayment, I have always been on an income-driven repayment plan. The repayment plans have always been on IBR, ICR, or REPAYE. With the exception of transitioning to what was then the new REPAYE plan, I have never been in any forbearance or deferment. However, FedLoan provides 16 ineligible PSLF payments with the indicator " You Do Not Have A Bill Due For This Payment Period ''. My loans were with then XXXX  ( no longer a servicer with XXXX ). These were definitely qualifying payments. 

My Direct Loan servicers were as follows : XXXX : XX/XX/XXXX through XX/XX/XXXX XXXX : XX/XX/XXXX through XX/XX/XXXX FedLoan/PHEAA : XX/XX/XXXX through present FedLoan is missing so many months between XX/XX/XXXX through XX/XX/XXXX but has some records of my payment. That is incredibly strange that they retained and are only able to reconstruct part of my payment history with XXXX but not for other months. I need a full history in order for my PSLF to be processed. 

This effectively leaves me going well beyond the 10 years of service and payments, something that is contrary to the PSLF statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: LA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-05 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: LA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-04 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have repeatedly disputed and disputed with Equifax regarding negative hard feelings inquiries should be deleted from my report as well as with XXXX but I feel like no matter what I do they are ignoring me regarding my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING BANCORP
State: NY

Complaint narrative:
I paid 3 payment in XX/XX/XXXX totaling {$2400.00} which paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This bank reported to the credit agency ( XXXX, XXXX XXXX ) that I paid 1 payment of {$820.00} for XX/XX/XXXX I will be consultanting my attorney regarding how this bank reports inaccurate payment information on my credit reports. 

How to fix my 1st concern : I want SNB to contact the credit reporting agency the actually amount I paid in XX/XX/XXXX, which was {$2400.00}. NOT THE LIE OF {$820.00} which isn't the TRUTH! 

My second issue, this bank unapplied my XX/XX/XXXX payment and throw it into a suspense account. This bank never called me or sent me a letter. By them un-applying my XX/XX/XXXX payment it's currently showing that my XX/XX/XXXX is due, even though it sitting in the suspense account .Does this make any sense? No! So, know what am I suppose to do baby sit this bank and remind them tore-apply my money. I have better thinks to do. If they didn't want my XX/XX/XXXX payment, they should have cut me a check and returned it back. Instead of having my account show that my XXXX XXXX payment is due, when it is not. 

How to fix : I want my XX/XX/XXXX payment taken out of suspense account and re-applied back to my account or cut me a check and return the money. 

I will be consulting an attorney about this situation and you not reporting correct payment amount for the month your reporting to credit agency, applying and un-applying my funds without notification to me ; which allows payment to reflect as outstanding, when you have the money sitting in suspense account and ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NC

Complaint narrative:
I have disputed on multiple occasions with Experian, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX and Experian and nothing changes every time I file a dispute. I run a XXXX XXXX which is a XXXX XXXX which is the only income for my family of XXXX children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have repeatedly disputed and disputed with XXXX regarding negative hard feelings inquiries should be deleted from my report as well as with Transunion but I feel like no matter what I do they are ignoring me regarding my credit report.

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 2022-01-05 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:
I have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted XXXX and TransUnion, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was approved for the card back in XXXX of 2021. The only open account I have, card wise. This is on purpose, I have been paying my debts down, and had my score up to what is considered good. I only applied for the card due to an emergency. It was advertised as a promotional 12 months interest free. No warnings were given that if you are late, they would check your credit, and thus decide to lower your credit limit which then impacts your credit score. The first time this happened was back in XXXX of 2021. My credit took a hit, this was also right around the time I was applying for a mortgage so I took another hit. They lowered my credit limit again in XX/XX/2021, XX/XX/2021, and XX/XX/ 2021. My credit score has been hit by a XXXX pts because of this card. I have made payments every month but XX/XX/ 2021 because I never received a statement. I had to grab the approval email to be able to sign up for the app in order to make payments going forward. I have made a payment every month from XX/XX/2021 up till now, and will keep doing so. On the app it always said minimum payment due was around XXXX $ which is what I paid each month except in XXXX when I paid XXXX $ because I'm in a place to pay more. I called the company as suggested to see about reversing my credit limit since it's killing my credit score. Again this is the only open card account I have so each month they check my credit score they end up lowering my credit limit due to lowering my limit the previous month impacted my credit score. It's a vicious cycle that needs to end. I spoke to a representative who made it very clear they can't do anything and there is no one I can talk to. She said all she can do is advise I speak to a credit counselor. I have been working aggressively on my credit score for the last four years, I know how it works. I just wasn't expecting a card with a promotion that can only be used at health facilities like a vet office, wouldn't attack me for missing one payment, and continuously lower my credit limit impacting my credit score they keep checking each month. Since they refuse to reverse what they have done with my limit, I'm not sure if I should take another hit and close the account or put it on a freeze. Neither options guarantee they will stop but they have already erased all my hard work over the last four years. I never got a letter advising me they are doing this, no voicemails, no emails. I only found out because I watch my credit score.

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 2022-01-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To CFPB, I recently submitted a complaint also filled a FTC report regarding my credit file and how the negative accounts I listed in my dispute with experian as of today XX/XX/1922 I have not gotten any updates or status reports as I stated in my disputes which I sent out last month XXXX XXXX the company Experian has repeatedly ignored my request for a thought investigation and failed to provide me with written documents or any information pertaining to my file, however they have only updated my accounts and in fact re aged them to harm my credit further, this is a clear violation as I stated in my letter Ive requested verification evidence that proved or shown that I was responsible for the accounts they have listed and they as well as the companies making these accusations failed to do, someone clearly has opened these accounts without my knowledge and I want them removed rather then for the reporting agency to update its been well over a year of me requesting this method and to no avail Ive clearly requested my 611 laws as well 609 By The FCRA bylaws and they have ignored me time and time again Im now looking to bring legal action against the credit bureau as my rights are being violated Ive even provided my propers name and addresses as well as proper spelling of my name and experian has deleted the inquiry but still chosen to keep the negative accounts that has another name that is not mines listed they have blandly disregarded the laws you have set forth and are running amuck how can they have accounts on my profile with different names not associated with me but on mines as well as still reporting things that were removed from other bureaus but they are only reporting it wrong this is not right!

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On or about XX/XX/2021 I attempted to make a purchase using my Express Card managed by Comenity Bank. The transaction was declined. I contacted Comenity Bank through their website, stating that the card appears to have been closed and asking them to reactivate the card. Comenity 's Customer Service responded on XX/XX/2021 stating they closed the account for inactivity and that they could not re-open the card, but invited me to reapply for a new card.

I do not wish to set up a new, separate account since this would create multiple tradelines on my credit bureau report, and affect the age of the account ( and thus my credit score ). Comenity 's action impacts my credit report and I seek relief under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: AR

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( BK OF AMER XXXX, BK OF AMER 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 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX : XX/XX/XXXX Amount : {$270000.00} Paid 22 months/No Late Payments Covid Forebearance 17 months Past Due Amt. Total : {$42000.00} Escrow {$530000.00} Tot {$43000.00} The Breakdown per Midland of the XXXX  payment of XXXX, XXXX {$8200.00} Principal {$18000.00} Interest {$16000.00} Escrow/Prperty Taxes XXXX XXXX XXXX XXXX Total amt owed for home is XXXX, XXXX if I payed off by XX/XX/XXXX My Concern ; Now I with the two loans owe {$33000.00} more than when I bought the house. So I overall for 17 months cost me more debt to the amount of {$33000.00} by using the Cares Act Not sure if that is correct. 

My phone number 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