vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
I am submitting a complaint onFedLoan Servicing due to unfair status claims regardingPublic Student Loan Forgiveness qualifying payments and the extremely slow process of reviewing my current employment status. 

1. Payment and PSLF : In XX/XX/XXXX, I felt that I should be getting close to repayment numbers that would allow me to qualify for Public Student Loan Forgiveness ( PSLF ). When delving into my accounts I noticed that there were an inordinateamount of " Your payment was received outside of payment period window '' flags on payments over the years ( see files 1-2 ). As someone that is not a late payer on anything ( I have an over XXXX credit score ) I was instantly shocked to see so many of those. So, on XX/XX/XXXX I started an online chat with someone at FedLoan Servicing. As you can see in the chat transcripts ( file 3 ) the staff member, XXXX, acknowledged that some of the " late payments '' were not late at all but simply short a small amount of money most likely due to a billing error ( Why would I pay $ .1- {$5.00} short of a bill that is hundreds of dollars if not a billing error? ). She said that she would make note and get the {$.00} changed to qualifying but couldn't do that for the ones that are more than that ( even though, as mentioned, it was most likely pulled from a previously paid bill already ). Again, I am unclear as to why their billing issues result in my not qualifying for payments properly. That is incredibly unfair and feels manipulative. Also, it has been well over a month since I spoke with XXXX and none of those {$.00} " late '' payments have been changed to qualifying payments. 
2. Reviewing Employment Status : Also listed in the chat ( file 3 ) you can see that I asked about my updated employment information so that the current months can also qualify towards PSLF. I know they spoke to my boss on the phone toconfirm that I still work there so I'm not sure what the hold up is otherwise. I have also continued to work for the same employerfor eleven years now anyway. I fear that they are purposely dragging their feet during the forbearance time and I am incredibly frustrated. 

Lastly, I have received word that FedLoan Servicing will cease being my loan provider in the coming months. A new service provider potentially comes with a new interface, new processes, and I fear that my information and previous complaints/requests will be lost in the shuffle of transferring to a new company. I would like these problems solved as soon as possible and before the service is switched to a new company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: Coinbase, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I attempted to reset my XXXX password. XXXX is not emailing me a link to reset my password and I am un able to use my previous password. I have emailed them multiple timesand have filed a complaint with them and they only respond with an automated email. They have not resolved the issue are are not allowing me access to my funds or tax information. They have no live support and I need access to my money and funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 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: TX

Complaint narrative:
Chapter XXXX Bankruptcy Account # XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX Account # XXXX Amount {$500.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$7000.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$1200.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX/XXXX  Account # XXXX Amount {$700.00} Date Opened XX/XX/XXXX This account is from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX IS REFUSING TO REQUIRE THE CREDITOR ( S ) TO PROVIDE ACCURATE/CURRENT PAYMENT AND ACCOUNT HISTORY DATA DIRECTLY TO THEM ( CREDIT BUREAU ) WHICH WOULD ASSIST EQUIFAX WITH UPDATING THIER RECORDS TO REFLECT ACCURATE/CURRENT ACCOUNT INFORMATION FOR ALL AFECTED ACCOUNTS.

MY EQUIFAX CREDIT RECORDS ARE OUTDATED AND IS MISSING MORE THAN ONE YEAR OF PAYMENT & ACCOUNT HISTORY FOR MANY OF MY OPEN ACCOUNTS. 

IF THE CREDITOR IS CURRENTLY REPORTING MONTHLY AND THE ACCOUNTS AFFECTED ARE OPEN AND CURRENT, THERE IS A OBVIOUS DATA COMMUNICATION BREAKDOWN IN THE INFORMATION TRANSMISSION PROCESS BETWEEN THE CREDITOR AND EQUIFAX THUS REFLECTED IN THE CONSUMER CREDIT REPORT. EQUIFAX IS TAKING NO RESPONSIBILITY TO REQUIRE THE DATA RECIEVED IS CURRENT/ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with SANTANDER. Despite the multiple previous written requests, the SANTANDER still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, disputes was sent to Transunion by certified mail. I asked to receive in writing what information they was refusing to remove and why, never received a response. I asked for in writing what information they used to determine the disputed information was Complete, Accurate, and True 100 %, never received a response. Transunion is required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have asked on more than one occasion that they provide physical proof of compliance and verification of each item listed as disputed. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Transunion has stated they verified by notice of bankruptcy court and XXXX XXXX which is not true. It is illegal for bankruptcy courts to make such reports to credit bureaus. XXXX XXXX sent a letter stating they have no file for me. The information disputed is not accurate and should have been deleted before now. Transunion and XXXX are violating XXXX Records Act 42.56.070 ( 8 ) Prohibits the use of public records to be used for commercial purposes selling of public information to banks. The definition of commercial purpose- designed to generate revenue and RCW 4256.070 ( 9 ) bars disclosure by any credit bureau XXXX Therefore, all public records Transunion and XXXX are posting to my credit report illegally. They have not verified in writing what they are mandated by law to inform me of. They was allowed to provide a script generated answer to you that gave them an avenue to further violate my consumer 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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted a dispute to XXXX, XXXX and Transunion regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.

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 2021-09-08 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts that appear on my credit report, without any authorization, do not belong to me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I attempted to dispute charges to my BBVA account. The person on the phone told me to go to the website of the other company and take my card off file. I explained that it was an annual fee yet they still allowed charges over several months. They have continued to charge late fees even though money is available in my savings account. I believe this was done because I moved my retirement account to another banking institution. They expressed with the merger from BBVA to PNC that I will not have access to my direct deposit funds. They state the transition will have different account numbers. I am having to change my direct bill pay accounts to a different bank. They expect me to return for services. I will not be returning as this will cause problems for my direct bill pay accounts and direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NV

Complaint narrative:
Transunion, XXXX, and the other agencies are permitted and paid to report information that they do not insure is timely or correct. They allow 30 days to correct information, yet if a consumer spent 30 days deciding whether or not t pay a bill, it would give these companies the power to destroy their credit. So logically, since it takes so long for them to correct incorrect information, they themselves are unreliable and have poor credit. The whole system is madness. If I am required to pay a bill within a week of its due date, they should be updating weekly AT LEAST!!!

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 2021-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I used my Bank of America credit card to pay XXXX XXXX XXXX {$2900.00}. to ship my vehicle from XXXX in XXXX, MO. to XXXX XXXX in XXXX, Az. XXXX XXXX said my delivery pick up dates were XX/XX/XXXX and XX/XX/XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX  called me around XXXX XX/XX/XXXX XXXX claiming a truck was available to pick up my vehicle. XXXX XXXX was unable to provide the truck drivers name and then said they can pick the vehicle up the next day XX/XX/XXXX. XXXX XXXX never provided the truck drivers name and I called XXXX on XX/XX/XXXX at XXXX and confirmed no one had tried to pick up my vehicle. I asked for a refund and XXXX XXXX said they would provide a refund. To date XXXX XXXX has not provided a refund but instead wants to ship my vehicle. Since it is three months later and my vehicle is repaired I don't need to ship my vehicle to XXXX, Arizona so I would like a refund for service XXXX XXXX never provided.

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 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. TransUnion failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX  XXXX-Balance {$0.00} 2. XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/ 3. XXXX-Balance $ 189.00-Date Opened : XX/XX/ 4. XXXXBalance $ XXXX-Date Opened : XX/XX/ 5. XXXX  XXXX-Balance $ XXXXDate Opened : XX/XX/

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 2021-09-08 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: NJ

Complaint narrative:
XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX XXXX OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
In XXXX of XXXX I obtained my credit report from the 3 bureaus. 
I noticed a collection account on my report from LVNV FUNDING better know as Resurgent Capital. I have never applied for a XXXX  XXXX credit card until I received an invite in the mail in XXXX of XXXX. On my report it states I have a charged off account. I sent a request for debt validation on XX/XX/XXXX and requested it be sent within 30 days not a Verification of address or a bill. On XX/XX/XXXX they sent a Verification of my address that i didnt ask for. I called them to get the matter cleared and they told me they had to submit a new dispute, using stall tatics, when I offered to send my fraud report from the FTC. Its now XX/XX/XXXX and the closed account is still on my reports and that's pass the 30 days that is given by the FCRA. I volunteered the fraud report to XXXX XXXX and XXXX i didnt get her last name and they didnt tell me where to send it to. Its also a closed account thats not mine and serves no purpose i want it removed. They violated my rights by not complying within the time frame. I want this account permanently deleted and no further contact with LVNV FUNDING and RESURGENT CAPITAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received my chime card on XX/XX/21 and activated it XX/XX/21 and put 2 cash deposits. One in the amount of XXXX $ and one for XXXX XXXX XXXX was only able to do XXXX per transaction which is why 2 separate deposits were made. I had direct deposit set up as well but has not been received that way because it takes 2 billing cycles to complete. I used my card 2 times. Once while on vacation at a T-shirt shop for XXXX $ and once to pay my utilities bill about XXXX XXXX At XXXX this XXXX  when trying to withdraw money from an atm I received An email stating my account had been closed. I am now stranded 200 miles from home on what was supposed to be my vacation has turned into a nightmare as I have no access to any of my money with my XXXX young children with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation