vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my 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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my 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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank Of America Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for Bank of America where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

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 2022-02-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.

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 2022-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have a private student loan with Navient, took out a loan for roughly XXXX and was told to move these loans away from the Federal Plan they were enrolled in and at the time of 2006 roughly. Recently had graduated and was struggling to live with the economic times and other debts so I listened to Navient and enlisted in the program they gave me not knowing I could have been paying {$0.00} dollars through a income driven payment plan. I have been paying off an on, on the loan for roughly 15 years of time and for the past 7-8 years have been more consistent with those payments but still own more than I have ever taken out roughly XXXX dollars. It is a never ending cycle. My husband and I our both XXXX in Virginia. I am a XXXX XXXX and am looking for help however I can get it. I know about the lawsuit with Navient and feel that I meet the criteria for loan forgiveness, but have no way of knowing if I am on the list or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I want to report that PayPal is withholding 1099 forms and requiring debts to be paid off before releasing. I contacted them on the phone and was refused to be provided this form and was transferred to the collections department. I was forced to pay the debt and I still don't have the form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXXXXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

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 2022-02-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX  Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX  where I have reached out to them and the XXXX credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to 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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received an email XXXX that I was being billed XXXX from a PayPal account a product of XXXX XXXX. I called them at XXXX and the man named XXXX told me someone in XXXX hacked my account. He wanted me to open my browser on my computer which I refused to do, He then stated I can't help you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: OK

Complaint narrative:
An unauthorized hard inquiry showed up on my credit report on XXXX from JP Morgan Chase Credit Cards. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted JP Morgan and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash App Unable to withdraw my money. 
Historically, Cash App wanted you to use Debit Card to move money between the App and User financial institution. I never had a debit card and have been unable to get my money from this service as it will not transfer to my Credit Union.

I eventually requested a Debit Card just for the purchase of getting my money out of Cash App ; now when I go to use this service " Cash Out '' - I am unable to request this means and now they only want to use a 3rd Party Service ( XXXX  ) to link my bank account. I am not interested in sharing my financial institution with XXXX or any other Company I am not familiar with. I have had a XXXX account open for 20 years, no problems. XXXX also easy to use. I only used Cash App to collect from a Customer that requested. I have been able to send money to another Cash user, but have never been able to get my money out of this account and close!! Tried Customer support again yesterday XX/XX/2022, but all they do is tell me to enter Bank Routing Information ( which will go through another company XXXX ). Why cant they mail me a Check or use the Debit Card Information as instructed to me when I opened the account?? 

Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have a collection on my credit repot from LVNV FUNDING LLC Original creditor : XXXX BANK. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I sent {$50.00} to PENFED Credit Union in November 0f 2021 for membership in the credit union, along with membership, routing, and account numbers, received from PENFED, but I was never able to log in, so I was told that they could not verify that I was who I said I was. 
They had my money with the information supplied to me by PENFED. This log in problem lasted more than a month, I specifically asked for a return of my money and a termination of any and all business with PENFED. I was told that it would take a week.IT 'S BEEN months. 
I want my {$5000.00} dollars back and no further contact with PENFED.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
After opening a Barclays XXXX XXXX  credit card in early XX/XX/2021 ending in XXXX, I noticed none of the promised & posted reward points ever made it over to my account from Barclays. This is XXXX for my XXXX credit card statement, XXXX for XXXX including the bonus on the Barclays statement per their offer, XXXX on XXXX statement, and XXXX on the XXXX statement including the rest of the bonus offer, for a total of XXXX points never credited to my hotel rewards account that should have been. 

After contacting them over a dozen times by phone with my husband, myself, and via their website message center about this & getting case # XXXX in early XXXX, there is still no response from Barclays and they have not resolved this problem.

Many hours of frustration have been invested in this issue by us, and we would like a resolution & fines imposed on Barclays for stonewalling us for over 6 months.

We contacted both Barclays & XXXX XXXX starting in fall 2021 when we didn't see the points arriving as they should have, but XXXX XXXX said Barclays never sent the points over after we called each company several times. Passing the buck & stonewalling us for over 6 months bought Barclays some time, but we would like compensation & fines to be imposed on Barclays for deceiving us for so many months.

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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
My apartment leasing company XXXX XXXX submitted this to their debt collection agency without allowing me to make payments. 

The debt collection agency refuses to also help may payment arrangements. 

Both XXXX and I Q Data have laughed about the fact that this will go on my credit report and do not care about helping. 

IQ Data representatives have harassed, hung up on me and threatened to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
I received a notice from Linebarger Goggan Blair & Sampson , LLP attempting to collect a debt for a expresstoll on XXXX in XXXX, CO. They listed a license plate that does not belong to me ( I've not been to XXXX in several years, and haven't lived there in more than a decade ). I called them and demonstrated that I live in North Carolina and not Colorado and the plate ( a Colorado plate ) could not belong to me. They continued to attempt debt collection. 

I then called XXXX. The representative stated that the picture of the plate was indecipherable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My wife passed away on XX/XX/XXXX and our monthly income had included her social security and pension income which have now been discontinued. My income has been reduced to less than half of what we had together while she was alive. I contacted Chase Bank on XX/XX/XXXX to explain my current financial situation and asked if they would adjust my 25 % interest rate so that I could continue to make payments on this account, reduce my monthly payment, and have more of the payment go towards principal. The balance is over {$6000.00} and they only offered me to settle the account if I could pay {$4700.00} within 90 days. I do not have that amount of money to settle the account. I want to do the right thing and continue to make payments, but I have always felt that 24.99 % interest is taking advantage of any borrower as I will never in my lifetime be able to repay the principle when most of the monthly payment goes towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are Experian, XXXX and 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 2022-02-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding the alleged INQUIRIES. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation