vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: MA

Complaint narrative:
I have Federal Direct Student Loans. When the limited waiver was announced for loan forgiveness, I phoned FedLoan Servicing on XX/XX/XXXX and spoke to XXXX to ask about consolidating all of my direct loans into one loan - as I understood was a requirement in the PSLF Limited Waiver guidance. I was informed by XXXX at FedLoan ID XXXX that since all my loans were direct, I did not need to consolidate. I did additional research and learned that when you consolidate, the limited waiver would look at your highest payment count and you would receive forgiveness if you met the 120 qualifying payments and eligible employment. I phoned FedLoan several more times, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX and phoned again on XX/XX/XXXX and spoke to XXXX again. I continued to ask for clarification about consolidating. Each time I was informed that I did not have to consolidate because all of my loans were direct. On XX/XX/XXXX I was partially forgiven under the waiver for loans that met the 120 payments. If I had consolidated all of my loans when I first called FedLoan in XXXX, I would have received full forgiveness because the 120 payments would have been met by the waiver applying the highest payment count. I was misinformed each time I phoned FedLoan. I phoned again on XX/XX/XXXX and spoke to XXXX ID XXXX and she confirmed that they were all a little confused about the waiver rules but confirmed that I was partially forgiven. After much discussion about the waiver rules and reading the guidance together she agreed that if I had consolidated I would have received full forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
My loan started XX/XX/XXXX with first monthly payment of {$49.00} due XX/XX/XXXX. That Automatic payment was deducted from my checking account XX/XX/XXXX ( # XXXX ), XX/XX/XXXX the second {$49.00} payment was deducted from my account as agreed ( # XXXX ), XX/XX/XXXX the third payment of {$49.00} ( # XXXX ) was deducted as agreed. 
BUT on XX/XX/XXXX a {$600.00} payment was deducted from one of my accounts. I have no idea why or how and had the bank reverse it. 
In XX/XX/XXXX, instead of deducting the contract agreed amount of {$49.00} from my account, you tried to deduct {$640.00} which the bank reversed. From then on, this account has been a mess. 
I had my bank send a check for {$120.00} ( check XXXX ) that cleared my bank on XX/XX/XXXX which should show me ahead on my payments, yet you show I am still behind PLUS when I have tried to talk to someone about this in your customer service department, I am told I am past due. I also see that instead of the AGREED per our contract of 0 % for 12 months and 29.99 % for the remaining 12 months. You are showing, per a conversation with one of your customer service people. That my account is now at 29.99 % before the XX/XX/XXXX date on the contract and all my statements. 
Nobody in the customer service could explain why all this has happened nor will they clear up my account. 
I am sending what I believe is the payoff amount, original loan minus payments made. I do want to clean this up and get rid of this albatross around my neck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate and were not my fault. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had contact the office by phone more than one time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be sue by them one more time? 

We are all having a difficult time with This COVID-19 pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more FREE SCARRING MONEY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. someone else applied in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. someone else applied in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My problems started when my husband died in 2010. 
Multiple XXXX XXXXXXXX XXXX cards came to me. Despite paying them off and ending them, the institution wanted to send me more. 
After that, I had a XXXX advisor with contraindications involving my accounts. 
I had a life insurance policy cancelled due to many people finding out my info. It was also after I broke up with a relationship. Much of my data got out. XXXX was a large part. As well as dating sites. 
Then my XXXX accounts were found covered up by a translucent page of beneficiaries not mine. I then switched to PNC. Where I havent be able to have any control over my cards or accounts. Im lacking support through the entire affair. 
I had many suitors that came up online which was irregular. Thats mostly it but I also had security systems involved that had someone gaining access, and into my home. I actually have a letter into my fiduciary advisor and their fraud team. I havent heard back. I also lost my family, friends, coworkers, job, neighbors as well. I dont know what happened. Any help is appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX Balance : {$12000.00} Please be advised you are in direct violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( e ) ( ii ) I have contacted and reached out to your company to no avail. This loan has completed the rehabilitation process DELETE this account now from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TN

Complaint narrative:
In the Fair Credit Reporting Act it stimulates that student loans are need based loans that the Creditors did not view the credit score when you borrowed money. So there should be not in the consumers credit report and it is not a credit based.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received my XXXX Targeted ( {$10000.00} ) and Supplemental Advance Grants ( {$5000.00} ) in my account back in XXXX of XXXX. My account was closed due to Citibank saying that I can not get a loan deposited into a personal account. First and foremost IT WAS NOT A LOAN it was a GRANT that I was approved for through the XXXX. So first order of business was Citibank would not give me any type of information about my account and said that it will take 60 days for them to close my account and the remaining funds will be sent to me via a check. 60 days came and went ( XX/XX/XXXX ). I kept calling and calling and getting the same run around, the customer service reps seem to not have any information about my missing money. So I sent an email to their executive response unit and received an email a few days later asking me to send in a proof that I am eligible to receive the loan. Citibank wanted to me send in a professional license ( because I am a barber ) WHICH I DID. They wanted me to send in proof of my business being established before XXXX WHICH I ALSO DID. They send me a response saying that they still WILL NOT send me my money that I am eligible for and that i rightfully received from the XXXX last year. IT IS NOT THEIR PLACE TO HOLD MY MONEY IN A ( LEDGER ) ACCOUNT AS THEY CLAIM. It is not up to them to screen me on money that I already was approved to have from the XXXX, and it definitely is not their place to hold the money against my will and not tell me anything about whats going on. This has been going on almost 5 months and they still are holding money that is rightfully mine somewhere that I have no idea about. I received an email from Citibank on XX/XX/XXXX, stating that I need to FAX them a written letter to authorize Citibank to return the money back to the XXXX. I have tried to fax the letter all day and it fails everytime I try to fax it. I believe the number I was given to fax IS NOT VALID. After doing everything I was told to do to receive my funds they still have yet to send me my money and its starting to seem intentional and I am so frustrated with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
FREEDOM MORTGAGE INC reported a late mortgage payment for the month of XX/XX/XXXX which is a negative mark on my credit score. The payment was late due to their entire website being under maintenance for all of XXXX and most of XXXX. Their website being down disabled all attempts at making a payment through their archaic website that looks to have been developed in the late XXXX. I took proactive measures with FREEDOM MORTGAGE INC to resolve this issue internally, including : offering to sign up for auto-pay with my bank, making advance payments for the months of XXXX, XXXX and XXXX. 

They outright refused all of my very reasonable requests. I am filing this complaint because they took almost no responsibility for their website downtime ( in XX/XX/XXXX, where everything is digital ), and refused to remove their derogatory mark on my credit report with the three major bureaus. This company needs to take responsibility of having a functional website to accept payments when they have zero leniency on late payments due to faulty web design.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: GA

Complaint narrative:
This address, XXXX XXXX XXXX XXXX XXXX GA XXXX, does not belong on my credit report. I originally disputed this information with both XXXX and Experian. The original FTC is # XXXX and this was filed XX/XX/21. The original CFPB is # XXXX for Experian and # XXXX for XXXX. The address still appears on my credit report and should be removed immediately. This is a fraudulent infomation on my credit report. I never received any documents or response from the first complaint. It only asked for additional time. I never received information about the dispute via email or mail. This is a violation of the consumer protection laws. Any items used to verify a dispute must be sent to the consumer. These documents were never sent. The original files are 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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER EOS ECCA- XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My capital one credit cards are not reporting on my Equifax credit report. I am also a authorized user on on someone else Capital One credit card and this card is also not reporting to Equifax ; but they are reporting to XXXX and XXXX.

Company response to consumer: Closed with explanation