vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: KS

Complaint narrative:
I am seeking student loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) federal loan program. I began working in public service in XX/XX/XXXX. I have made the payment every month since that date. I have had multiple issues with XXXX XXXX ( now XXXX ) and FedLoan regarding the calculation of my payments toward loan forgiveness. According to the law, I should be eligible for loan forgiveness after 120 on time payments which would be in XX/XX/XXXX. FedLoan has said I will not be eligible for forgiveness until XX/XX/XXXX. FedLoan contests the payments I have made stating that XXXX XXXX records indicate that I did not have a bill that month, or that the payment was XXXX XXXX off! I use autopay so this can not be the case! I've never manually entered the payment amount. Additionally, I have 2 loans and over 10 of the contested payments were included for one loan but not for the other. I have called XXXX XXXX and XXXX multiple times to try to obtain the records of my loan payments to no avail. I have contacted FedLoan multiple times. FedLoan responds that they will request a " manual recount '' of the payments I have made, but does not provide any documentation that this is being done. I have contested the payment amounts with FedLoan since XXXX. 
I am a first generation college student. I had to finance my education with student loans. I went into public service after graduation because of the PSLF program. I make my payments on time and want every payment to count. Any assistance you can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im a first time CASH home buyer and I've been trying to purchase a bank owed property from PNC bank for a YEAR now!!! I've been in touch with my realtor, my title agency and PNC bank weekly and yet Im still a sitting duck. 
Last XXXX I was One day to closing on a Doublewide mobile home on land and there was a title issue. The banks attorney did 90 % of the work to clear title. All that needs to be done to clear title is for the paperwork to be submitted to XXXX ( XXXX ) since a mobile home is considered a vehicle. I DON'T understand what the hold up is. Instead of the banks attorney submitting the final paperwork to clear the title and get me to closing he tried to pawn it off onto my title agency. Since the attorney offered such a low amount of money to the title agency to go into an Escrow acct. to finish his job if he " can't " clear title the underwriters turned him down and that leaves me at square one again. 
The banks ' attorney has very poor to no communication & hes NOT doing his job to get resolve this to get me to closing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TX

Complaint narrative:
In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from XXXX XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible  Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the beginning of XXXX I lost my job due to the COVID situation. I emailed XXXX  XXXX explaining my dilemma. Shenmae a representative from XXXX  XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to XXXX  XXXX regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
y husband sent me {$570.00} for bills and food Etc through venmo app I was promised it would be there XX/XX/XXXX XX/XX/XXXX came still no money then I received a email stating that they could not send me my funds to my account because they needed to verify who I was my identity so I gave him my driver 's license sent it via email cuz the only way that you can speak to these people through the account specialist Department which is who they routed me to supposedly is through email so I give them everything they need plus I also send on my social security card cuz they said that the ID may not work so I sent them that just in case they had everything they needed you have to wait 5 to 7 business days for anyone in that department to get back to you so I wait and I'll wait some more so I finally call back find a 1-800 number to their customer service department I called the customer service department and they tell me they can't help me that I have to go through the email that they sent me from the beginning and that that's the account specialist Department they say everything looks good they should be contacting you to release your money days go by call my email still nothing then I get an email saying that they froze my account because some crazy reason why they froze my account that they needed to my other account information so I give him my other account information and that still wasn't good enough so then my husband tried to call and they freeze his account also we tell them just give him back the money you know whatever now they're telling me that they are going through loss prevention and it's going to take another hundred and eighty days for them to decide whether or not they're going to release my money to decide whether they're going to release my money that money took him three minutes to send to me and have taken almost a month for me to even receive it this is absolutely unacceptable an absolutely ridiculous that they would even have somebody do this and for them to treat their customers this way this place should be shut down they are absolutely ridiculous and I've got all my emails to prove I've done everything I could to get my money thru them I know im not the only one that this has happened to they have over 1200 complaints on XXXX XXXX and I just need my money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: AA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been requesting information and attempting to dispute a credit card that is falsely on my credit report, every time they say they can not locate my information and they need the full account number which I do not have I only have whats on my credit report therefore they couldnt help me. After numerous attempts I was told I would need to contact XXXX XXXX XXXX and was given the address to write. I was never notified of this debt and have requested validation numerous times with no response.. A collection agency XXXX XXXX XXXX has filed a judgement against me on behalf of American Express after attempting to contact for 2 years, with no response. The reason I reached out was because I saw the debt on my credit report and I am unaware of this credit card on my report. The debt is through American Express for {$11000.00}. I do not have any outstanding debt and have never had a credit card with a higher balance than {$3000.00} so this it absurd to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: Credit Plus Inc
State: AA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: AA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one Credit card that has been reporting to my credit reports incorrectly. I have done numerous requests to correct and they keep coming back with entirely different information on each of my credit reports! After my verifications through them as well as the bureaus themselves. XXXX as reporting 1 late with the dates of XX/XX/XXXX. XXXX they reported 2 lates on the dates of XX/XX/XXXX and XX/XX/XXXX. The took the account completely off of XXXX entirely and then it just popped back on with no lates. After tons of hours of verifying, requesting it get corrected, it still reports incorrectly to each bureau and is affected my ability to get credit. It greatly impacts my score and I have been denied credit due to each of the incorrect lates! I need help getting these lates and inaccurate information removed from my credit report as I have done everything I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' XXXX XXXX  XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 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 2021-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
car loan was back in XX/XX/2016 would like to remove from credit file this vehicle was deductible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a secured card with capital one that was closed. They said they issued a refund and I have yet to receive it. I am owed {$120.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call multiple times a day. They call early morning sometimes as well as after XXXX, Or even XXXX at times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: VA

Complaint narrative:
I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. XXXX has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) JXXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Appearing ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Addresses ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX XXXX' After Contacting Creditor Directly ( XXXX XXXX XXXX XXXX, TN XXXX ) And ( XXXX XXXX XXXX XXXX XXXX, AZ XXXX ). I Uploaded A Picture Of My Government Issued ID That's Attached For Current Correct Address Including IDTheftReport From XX/XX/20 And Updated Corrected Consumer Statement : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX. 

XXXX XXXX : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
There are XXXX different collections debts reported on my credit report for exact same amount for a physician bill in the amount of XXXX for both accounts. I had called the collection agency in regards to the debts which I have never received. I did not live in the state in 2016 in which XXXX of the debts was placed on me. Whats strange is both accounts has the exact same account numbers, same month but different years. I have disputed the debts on my credit and was removed and after 30 days was returned to my credit account. In addition, I have insurance and if I had a bill would have be paid by insurance

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation