vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: NC

Complaint narrative:
I submitted two PSLF employee certification forms for my employer at the time, XXXX XXXX XXXX XXXX. I submitted these on XX/XX/XXXX. The first was for employment from XX/XX/XXXX - XX/XX/XXXX and the second was for employment from XX/XX/XXXX - XX/XX/XXXX. I received multiple communications from fedloan that were either incorrect or unhelpful. First, after 3 months, they said the certifying official from the school district didn't include her telephone number. That wasn't true and I resubmitted it showing the number was on there on XX/XX/XXXX. After that it was just communication saying they were working on it. I explained over and over that this was the same employer I had received PSLF credits for previously and there should be no difference. They couldn't explain why it was different this time. After what has been 8 months, they asked for w2's.I don't have w2 's going back that far and it will take forever to get them from the school district. Again, this is a public school district and the same one I received qualifying payment credit from fedloan previously. I'm attaching the two forms I sent fedloan. This is going to cause me to not be eligible for the expanded PSLF and is very upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX  XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions

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 2022-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Since the day XX/XX/2022 merger of SunTrust and BBT into Truist Bank, Truist has been misapplying our fixed principal and interest loan payments continuously every month. We have paid this loan early every month for years prior to merger to present date. Since Truist has not applied our payments correctly to this date nor have we been able to get this resolved through the bank itself after many, many hours in person and on the phone with multiple people, it has affected the true balance of this debt and interest calculated. It seems we are the only ones following through as no one has contacted us from Truist Bank regarding what is being done to correct or fix the issues that they are having internally. Interest is accrued daily and since my balance is not reflecting the correct amounts due to the misapplying of our payments, that is affecting what my true balance of my loan is as well as interest charged and has been since XX/XX/XXXX of 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 2022-08-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello I'm reaching out in regards to disputes I filed with CITI for a credit card I have. The first dispute is XXXX in the amount of {$2100.00} on XX/XX/2022 with XXXX. The day of our scheduled flights XXXX XXXX XXXX cancelled our flight stating they will refund the full amount of the flight as well as cover the reimbursement for the new last minute flight we had to book that day with XXXX  of {$3700.00} for a total of {$5900.00}. XXXX  only refunded a partial amount not honoring what they told all customers of that flight, I went back and fourth with them numerous times for them to tell me they won't be responding to my inquiry on the reimbursement for the last minute XXXX flight I had to book so I was advised to dispute the original charge with CITI to get at least majority of my money back. I submitted evidence of all of this that CITI clearly didn't review and they denied my dispute which is outrageous. My second dispute was with XXXX for the date XX/XX/2022 in the amount of {$880.00}. We paid in advance for the hotel in Chicago for my sister 's birthday trip and when we went to the hotel the room was filthy, the manager at the reception desk confirmed they weren't cleaning their rooms before turnover " due to cleaning staff being sent home. '' Ridiculous especially during a pandemic! He refused to check us out telling us to call XXXX for our refund this I got all on video, along with the pictures of the dirty room, and screenshots of me reaching out to XXXX and them never responding like they said they would. Still can't get a hold of them this day even by phone. I submitted all of this videos of the interaction with the rude manager, photos of the dirty room, receipts for the new twice expensive hotel we had to book last minute for the same exact dates and CITI didn't even review my evidence just took XXXX word for it when they wouldn't even respond to me!! CITI never looks out in their customers best interest even with solid evidence for both disputes! I tried calling it to dispute the ridiculous final decisions made to get representatives that don't understand any english so I waste over 40 minutes just trying to get to the dispute department ( Which they never transferred me to ). The XXXX  dispute # is 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 2022-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX  that starts with XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXX XXXX XXXX that starts with 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 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to good. The XXXX XXXX reported its conclusion and corrected the report, but the score continues to be good. I'm dissatisfied with the entire process and are now suffering a lower rating to the point that yesterday XX/XX/2022 I was denied a credit card application.

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 2022-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I contacted all three credit bureaus ( Experian, XXXX and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I am actively participating in the PSLF program. I submitted a PSLF application to FedLoan Servicing on XX/XX/XXXX with acknowledgment of receipt. On XX/XX/XXXX I received an updated count of my qualifying payments which showed a sufficient number for forgiveness under the PSLF program ( 126 of required 120 payments ). 

On XX/XX/XXXX I received notice that I was denied loan forgiveness under this program with the following reason provided : " NOT ELIGIBLE YET : You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. '' This same letter still quoted my total qualifying payment count as being above 120. 

On XX/XX/XXXX I spoke to a representative at FedLoan Servicing who told me this is incorrect and just " wait for an updated letter ''. 

On XX/XX/XXXX I received an updated letter from FedLoan Servicing again denying me forgiveness with the new stated reason being " NOT ELIGIBLE : Your employment dates listed on the application were prior to XX/XX/XXXX. Only dates of employment on or after XX/XX/XXXX at a qualifying public service organization can be considered for PSLF or TEPSLF. '' This is incorrect information as the loans in question were not even disbursed until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 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: NY

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX 7. XXXXXXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX Bank Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX Bank XXXX XXXX Account # XXXX 7. XXXX Bank XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions

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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX - I deposited a check from a friend at a Bank of America ATM, and the ATM receipt indicated it would be subject to a hold until XX/XX/XXXX. ( I had previously called Bank of America to inquire about their funds availability policy, and was told the ATM would inform me of the specific details. ) Subsequently, I scheduled an ACH withdrawal to occur after XX/XX/XXXX, when I expected that my deposited funds would be available. 
[ Attachment : XXXX ] XX/XX/XXXX - I received notice of a new hold on my deposit that would end on XX/XX/XXXX. I chatted with BofA customer service and was told that my ACH withdrawal ( which was being processed ) would clear on that date. 
[ Attachment XXXX : XXXX ] [ Attachment XXXX : XXXX ] XX/XX/XXXX - I received notice that my ACH withdrawal was declined. 
[ Attachment : XXXX ] XX/XX/XXXX - I contacted BofA regarding the status of my account, and was referred to their Fraud Department at XXXX. The Fraud Department informed me that my account is now frozen, and will only accept deposits. I am unable to access any funds in my account. I have been a perfect banking customer since the start of my relationship with BofA in XXXX, and have deposited thousands of dollars biweekly through my paycheck as well as other large transactions with no incident until now. 
[ Attachment : XXXX ] Please help me regain access to my money as I need to pay my mortgage and other bills.

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 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I contacted all three credit bureaus ( XXXX, Transunion and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I contacted all three credit bureaus ( XXXX, XXXX and Equifax ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NY

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-12 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: NY

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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