vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX Equifax furnished a consumer report with XXXX XXXX XXXX  Account # XXXX without my written instructions that is needed in accordance with the FCRA On XX/XX/XXXX I disputed the matter via mail and filing a CFPB complaint. I sent the mail certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX Equifax sent me a notice of their investigation and an update of the account being DELETED. Deletion after my dispute is admission to their in accuracy of their mismanaging procedures which has affected my credit score and harmed me the consumer. Equifax Is Now civilly liable {$20000.00} Pursuant to 15 USC 1681n for actual damages sustained by me the consumer such as mental anguish and emotional distress for them reporting inaccurate information on my consumer report and all of the stress I went through to have the wait for the account to be deleted and for failing to comply with and being in accordance with all applicable law such as the FCRA. Equifax is also civilly liable {$3000.00} pursuant to 15 USC 1681 for violating and furnishing on my consumer report which should be excluded in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) ; and 15 USC 1681a ( 2 ) ( B ) which states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' ; " and report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' should be excluded from a consumer report which Equifax included in a consumer report with XXXX XXXX XXXX  XXXX XXXX. Not to Mention the {$1000.00} that Equifax is civilly liable for, for not being in accordance with 15 USC 1681b ( a ) ( 2 ) which states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) States that a consumer report can only be furnished " In accordance with the written instructions of the consumer to whom it relates. '' I never gave Equifax any written instructions to furnish anything on My report and this is the basis and cause of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal gave unauthorized refunds to XXXX  and XXXX  on my behalf, and now is trying to charge me for it as a negative paypal balance. These are gambling companies that never asked for a refund, but was just issued by paypal without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: UT

Complaint narrative:
Equifax continues to keep comments about a dispute that never occured and continues to dispute my current student loan which I DID NOT DISPUTE NOW OR EVER!!!! I want those comments pertaining to a dispute removed and them to CEASE AND DESIST contacting my student loan lender! The account is with XXXX XXXX and on FOREBEARANCE! They recently sent me a report showing the comments again. I ran my report today and comments still remain! I knew they wouldn't correct an ERROR THEY MADE! If those comments are not removed and the actual status of my loan reported, I will send everything to civil court to file suit and will not warn or ask Equifax to correct this again. I'll sue for {>= $1,000,000} for the harm they've done over the years including, allowing my identity to be stolen for which my information is constantly being passed around on the dark web. I have the alerts I've received about that to include in the suit. Correct this to show my loan in forebearance or be sued! I won't hesitate or give you another opportunity to correct this. Consider this your last warning! Remove that XXXX & XXXX outdated inquiry too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern it seems td bank and XXXX are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
For a couple years now, XXXX is the only report I can get on annualcreditreport, com. Equifax always errors out, and XXXX always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while Equifax and XXXX are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX of 2021 I closed 2 accounts with Wells Fargo bank upon anticipation of a strategic move to another state. 
The personal banker I worked with tried to tell me of a new account closing procedure that no-one understood and were having problems with. 
The amount was {$340.00} and some change in the account. 
I was assured a cashier 's check would be overnighted to a new address so I waited 3 days, ( this happened on a Friday so I had to wait until Monday to go back to the branch ) and received no check. They had no check number or tracking number for my money, they wanted me to pay a {$35.00} fee to cancel and resubmit the check. What check? They didn't have proof one was ever issued much less know where it was. 
The delay of their error made my plans delayed for 5 days costing me a job opportunity and multiple financial distress 's. 
I have been in constant contact with Wells Fargo only to get shuffled around with automated responses that have done nothing. I have done numerous 3 way callings only to be here talking to you. 5+ weeks.

My bills are in arrears and my phone has been turned off as a result. My only communication is by email and that does not allow me 2 step verification to access any of my personal accounts. 
This has and is still causing major financial distress with late fees and no payments accruing daily.

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 2022-01-27 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened an online XXXX Savings Account due to an email I received directly from Citibank offering me {$100.00} to open the account, subject to the condition that I invest a certain amount of money into the account. I did so and Citi is now saying I am ineligible for the {$100.00} bonus as I didn't open another checking/savings account, too. This was nowhere in the offer, including the fine print ( full email attached ).

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have two small claims suit from Midland credit, justice of the peace XXXX place 1 court. cause # XXXX and XXXX, I was not notified of debt prior to small claims suit. I was first served on XX/XX/XXXX, during the height of the pandemic. Research showed me that Midland did a hard credit inquiry on my credit report on XX/XX/XXXX before assuming the debt. Midland created a small claim suit that states ; 1. account last used XXXX 2. fraudulent documents of name and address and phone number 3. collection statements on credit report with incorrect dollar amount 4 , fraudulent date of assumed debt 5XXXX fraudulent statement of notification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I submitted a loss mitigation package to Gregory Funding at the email the company provided ( XXXX ) on XX/XX/XXXX, almost 2 months before the scheduled sale date. I also provided a copy to my attorney, XXXX XXXX XXXX. 

My attorney 's office sent email requests on XX/XX/XXXX and XX/XX/XXXX to the attorneys for Gregory Funding, XXXX XXXX and XXXX XXXX, asking them to indicate whether their client had received the loss mitigation package. These attorneys never responded. 

However, on XX/XX/XXXX a letter was sent to my attorney 's office from Gregory Funding entitled " Notice of Incomplete Loss Mitigation Application '' and that documents with an " x '' must be received within 15 days. However, the attached page did not show that any " x 's '' were checked. Based on this letter, nothing is required and my application should be complete. 

I am concerned that Gregory Funding is not acting in good faith. They should be responding to my attorney 's emails. I should be notified by now that my package is complete. My sale is set for XX/XX/XXXX. I simply want to be evaluated and approved for a modification as soon as possible. Time is running out. 

I am attaching an affidavit from my attorney 's legal assistant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NV

Complaint narrative:
I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the 30-45 days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.

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 2022-01-27 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: NV

Complaint narrative:
I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received 4 calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person Midland Credit was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to XXXX XXXX XXXX XXXX. I told them that I currently have several accounts with XXXX XXXX and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: DC

Complaint narrative:
Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false 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 2022-01-27 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: SC

Complaint narrative:
Loan Servicer : Fed Loan Services Loan Program : XXXX XXXX Under the new XXXX rules, I submitted a new employee eligibility form for time period running from XXXX ( XXXX XXXX XXXX 's XXXX XXXX XXXX This was previously unreported employment/payment period. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX Received updated payment calculation and employer credit. No indication that the XXXX employment period was considered. Qualifying payments were not increased and my expected eligibility for XXXX increased into XXXX. 

XXXX Submitted XXXX employee eligibility form a second time for evaluation. 

XXXX Received updated payment calculation and employer credit notice. The approved begin date for the employment period XXXX was incorrectly calculated ; the servicer listed the approved employment as XXXX. As a result, I again received no credit for payments beginning in XXXX. My anticipated XXXX eligibility date increased to XXXX. Prior to the submission of the expanded employment time frame, the expected date was XXXX. I contacted the provider via email regarding the error. The email was acknowledged via auto reply, but no written response has been received to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
Dear Consumer Financial Protection Bureau, CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments and they ; FedLoan Servicing never responded as follows : 12 DIRECT SUB CONSOLIDATION LOAN {$27000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX As of XX/XX/XXXX I have 68 eligible counts. I understand that I must certify my employment and will have that completed by the end of the month however the 15 missing payments listed above have not been included in the eligible counts. Also missing are 8 payments listed below that was not included in my eligible count. I should have a total of 91 eligible counts as of XX/XX/XXXX. I am requesting a manual review to have counts reflected accurately. 
Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been included in the eligible count however the 6 remaining havent and payments XX/XX/XXXX and XX/XX/XXXX should be applied to two loans making it 4 counts with the other 4 payment totaling 8. 
I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from XXXX XXXX XXXX XXXX, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692XXXX ( I ) & XXXX XXXX XXXX ( XXXX ) ( i ). XXXX XXXX XXXX XXXX is now civilly liable to pay for damages.

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 2022-01-27 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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