vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 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: OR

Complaint narrative:
Dear CFPB, I am submitting a complaint to CFPB due to the denial of TEPSLF ( Temporary Expanded Public Student Loan Forgiveness ) I received on XX/XX/XXXX. Attached is a copy of my TEPSLF request and the denial. 

The TEPSLF denial states that I do not qualify for forgiveness under the TEPSLF because I have not been in repayment for at least 10 years on my Direct Loans. 

The TEPSLF was created in 2018 Congress to help borrowers who had fulfilled their public service but who were, unbeknownst to them, in the wrong repayment plan. 

The TEPSLF was created for my exact situation. My lenders, XXXX XXXX and XXXX did not advise me that my loans were not the correct type to qualify for PSLFP. I made 99 monthly payments from XXXX through XXXX. I only learned that I needed a different loan type when I applied for my annual IDR renewal. 

I have now met all of the criteria for the TEPSLF however was denied. 

1 ) I have made over 126 monthly qualifying payments ( 120 is required ) 2 ) Both of my loans are Direct Loans 3 ) I have worked for the XXXX   XXXX XXXX  XXXX for 15 years and am still working there. 

Fed Loans has now set my PSLFP completion date in XX/XX/XXXX which is well past my retirement date. 

I was unable to attach my packet of pertinent student loan documents because it was just over 10.7 MB. If I can send it to you another way please let me know. 

Thank you for your review and consideration. Please let me know if further information is needed. 

Thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: MN

Complaint narrative:
I am stating these are not my items and I had nothing to do with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Not my account that is reporting on my Experian 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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried multiple times on each day from XX/XX/XXXX through today, XX/XX/2020 to lift the security freeze on my Equifax account so that a mortgage company can run my credit report. I have tried Equifax 's online feature and it's telephone feature and each time I receive a message that they are unable to complete my request at this time ( online ) or are unable to verify my identity even though all information was provided correctly and the text code they sent was reentered for them correctly. I managed to get a live person on the phone once on XX/XX/XXXX who basically told me tough beans, the system is down, try later. I asked if there was any other way to get it lifted and the rep said no, try in a few hours online. Other than that one time, every number I have called has put me into the automated telephone feature loop with no way to get out ( such as by hitting " 0 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Called requested to speak with THE ONE AND ONLY DEPARTMENT that can resolve ID theft FRAUD. I have been trying to resolve since XX/XX/XXXX TO NO AVAIL. USAA BLOCKS contact with. Only department that has the power to RESOLVE FRAUD. The USAA reps customer service CAN NOT CONTACT EXECUTIVE RESOLUTION TEAM to relay my issues. This department REQUIRES DEEP SECURITY WITH TEXT VERIFICATION CODES MY XXXX  XXXX  CAN NOT DO. I must have a stranger or a neighbor I find outside that HAS NOT LEFT FOR WORK YET pay them to write down text codes so I can get verified. THIS ONE ONLY DEPARTMENT IS NOT OPEN WHEN OTHER PEOPLE NOT AT WORK. ( ** ALL USAA DEPARTMENTS NEED TO T A L K ... .. to .... EACH OTHER. ) USAA PLAYS CONSUMERS BLOCKING CORRECT DEPARTMENT RESOLVE. I have relived IDTheft to reps THAT HAVE NO POWER and who do not send my message to the department for 2 years now XXXX  XXXX  and XXXX  XXXX XXXX. PLEASE USAA STOP THIS UNFAIR BUSINESS PRACTICE TO SAVE PROFIT DENYING. FRAUD CLAIMS with No Contact to ONE ONLY DEPATMENT OF RESOLVE. SPEAKING TO THE ONLY USAA REP AVAILABLE SHOULD BE SUFFICENT TO. HASSELFREE RESOLVE OF FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Identity theft

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 2020-03-02 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: NC

Complaint narrative:
Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
credit freeze

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to remove my fraud alerts

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to remove my fraud alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to remove my fraud alerts

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 2020-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
This account is showing as a charge off real estate loan on my credit report. This should not be report as such as I never had any reason to get a real estate loan as I lived Im apartment. This account has been charge off and sold negatively affecting credit and preventing me from moving forward.

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 2020-03-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Not my account or inquires

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Not my account or inquires

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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I deserved in XX/XX/XXXX that I had two accounts on my credit report from the same collection agency with two different accounts with different amounts. When I called the company I paid off one that I knew was mine and asked the company to provide documents on the second account so that I could verify if the account belongs to me, because I knew for fact it was not mine account.The company never sent me any documents but continue to report this debt to my file .This account was deleted on XX/XX/XXXX off my credit file. On XX/XX/XXXX this company turned around and reported this same collection as a new account, when in fact it's not new and the account is not mines. I understand that I have the right to validated information that is being reported on my file and I have did that, and I ask that you step in on this matter and figure out why they are reporting false information and have them provide poof of documentations for the account they reported. Also on the day of contact with this company they guy was very rude, they had my cell phone number programmed in their phone directory. I asked for documents again and the guy refused to send them to me. By law if this company can not provide documents for debts they place on people '' the collection is to be removed '', which was done. How is this company able to keep reporting collections that are removed due to their lack of documents be placed back on? This company is causing a disturbance to my credit file.

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 2020-03-02 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: GA

Complaint narrative:
XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Not my information reporting.

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 2020-03-02 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: MN

Complaint narrative:
Not my information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: NC

Complaint narrative:
Not my items reporting on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have already paid at least XXXX for the vehicle, I believe 2016 XXXX XXXX. the repossessed the car in the middle of the night, and sold it for XXXX they are reporting on my credit report I owe them XXXX please help me. Santander Consumer USA. My last name was XXXX at the time. ( divorced now ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I called XXXX on XX/XX/2019 and spoke to customer service representative XXXX employee reference # XXXX. Then spoke to XXXX. Then spoke to XXXX in billing XX/XX/2019. Then spoke to XXXX and XXXX and XXXX XX/XX/2019 concerning Internet service because that's the only account I have with XXXX. 

Also, to straighten out I didn't have a cell phone account with them that they had intermingled my Internet with someone's cell bill. 

They claimed it was corrected now a year later I get a bill for a cell phone that I never had and was cleared up in 2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made an {$1100.00} payment to Suntrust credit card at : SUNTRUST CONSUMER LOANS XXXX XXXX XXXX XXXX MD XXXX The payment was authorized on XX/XX/2020, and the money left my account on XX/XX/XXXX. It was delivered via ACH. As of XX/XX/XXXX Suntrust has not posted my account with the payment. I suspect that they hold large payments for a longer time to gain some overnight interest. 

Please help/.

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020, Bank of America had transferred {$48.00} without my knowledge to my business account XXXX that is currently overdrawn and refused to transfer the money back into my checking account ending in XXXX. This is an unethical practice and I called them ASAP and they refused to put it back in my account.

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 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Consumer Financial Protection Bureau cc ; BMO Harris bank XX/XX/XXXX Dear XXXX I XXXX XXXX opened online a checking account # XXXX with BMO Harris Bank an account on XX/XX/XXXX with initial deposit of {$50000.00} via ACH from my account at XXXX XXXX in XXXX NY where I reside. 
On XX/XX/XXXX I requested thru my Account login at BMO Harris Bank to close my account and mail me a check to my name and mail it to my address, in return I was told to do it thru a secured procedure I have tried several time but the procedure does not get completed. 
Attached is the screen shots of various tries to send them the documents they requested but could not complete the transfer. 
I requested several times help from the bank to assist me but mysteriously I get disconnected, from my 20-30 calls that I initiated to the bank for the last 15 days I could not get the same person and can not get the procedure completed to their satisfaction. 
I tried to get back my money thru a ACH transfer to the same bank where BMO Harris Bank received the fund from. 
I believe that BMO Harris Bank is trying to prevent me from taking out my money in a very unfair disgusting way. Some of the persons who answered my call were very rude to me and refused to help me they just hung up the phone on me. 
I am attaching my notarized drivers license with the notarys Business Card. 
I am attaching copies of several checks that I received the last 2 weeks, just by making a phone call. 
I am attaching my current checking account where it shows several ACH transfers. 
I demand to get my money from BMO Harris Bank ASAP XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Nelnet, Inc.
State: PA

Complaint narrative:
I apparently took out a Parent plus loan in XXXX but never once received ANY notifications, bills, calls or even an email. Then in XXXX they take my tax refund via offset without ANY notification that was about to happen so I could have gotten more information ahead of it. The refund I was getting was to pay the bills I'm behind on and save our house because I'm a single mom with one source of income and I literally just had my heat shut off. That refund was our ONLY hope. After 3 days of searching I FINALLY found the servicer ( because i didnt have any information because they never sent anything ) they informed me I could not received the tax offset hardship refund because my house isnt in foreclosure. THATS THE WHOLE POINT TO STOP THAT FROM HAPPENING. Now it will thanks to Great Lakes. 
I need help NOW before my daughters and I end up in a homeless shelter. This is just wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
Keeps reporting bogus remarks, etc from natrual distaer, write off, etc. needs to stop.

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