vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date 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 2022-09-20 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281, SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
Ive had FFELP loans serviced by American education services ( AES ) since a few years. I also have other student loans which are direct loans with the department of education. When the cares act was announced back in 2020, I reached out to AES and they told me that my loans with them were not eligible for the benefits under the cares act. This information was accurate at the time. However, there had been changes and announcements made by the Biden administration in months following, and AES failed to inform me of any updated information. Specifically, this new information included announcements such as FFELP loans becoming eligible to be consolidated into a direct loan so that the benefits of the cares act could apply to my FFELP loans. Since AES never communicated these updates to me, my loans with AES not only continued to accrue internet, but I also made loan payments when I was unemployed and could not afford to do so. Also, because my loans were not consolidated to direct loans, I could not receive any benefits that were available with the CARES Act ( pause on payments as well as no interest accrual ). Since last week, I have reached out to AES and received conflicting information. One agent tells me that my loans with AES are not eligible for loan forgiveness ( whether they are consolidated to direct loans or not ). Another agent gave me different and opposite information. They also tell me that the payments I made during and since the pandemic can not be refunded because that would make my account delinquent. Even though they failed to communicate any information regarding loan consolidation eligibility. I feel that I missed out on maximizing my benefits during the pandemic when I most needed help, because AES did not provide information and announcements which applied to my loans in a timely manner or at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have a loan with Fay Servicing, XXXX XXXX. XXXX XXXX XXXX, XXXX TX is one of the properties on that loan. Fay Servicing is supposed to pay the insurance policies for the property out of escrow. 

Earlier this year, they paid for the insurance policy on XXXX XXXX out of escrow. The following month on XX/XX/2022 they claimed that there was no insurance policy on the property and the purchased a second policy for the property, paying XXXX out the escrow account for a second policy. I contacted them several times and emailed copies of the insurance policy in effect and uploaded copies of the insurance policy to their website. I asked that they cancel the second policy and refund the money. 

I called them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I uploaded documents XX/XX/XXXX and emailed them on XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted bank of america numerous times in person at the various branches and by automated phone service numbers regarding my personal bank account. I have had XXXX XXXX XXXX  held and removed from my account without warnings or notices of any type. I wrote bank of america a letter via the usps for copies of the alleged court orders which my home branch stated were the reasons for the missing money in my account. This letter was sent regular mail from the post office of the XXXX XXXX XXXX The letter was sent in XXXX of this year and I never received any information back. I recontacted the branch and informed them on at least 2 occasions. They refused to provide copies of the orders or state reasons for the missing 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 monetary relief
Consumer complaint received 2022-09-20 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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX OF XXXX XXXX XXXX {$3500.00} MEDICAL XXXX : {$140.00} MEDICALXXXXBalance : {$210.00} MEDICAL XXXX : {$210.00} MEDICALXXXX : {$210.00} XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX : {$1400.00}

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 2022-09-20 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: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Westlake Services, LLC
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX  ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2022-09-20 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: MO

Complaint narrative:
I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX D XXXX CT XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, Bank of America reported that I committed fraud a year prior. They stated I deposited a check that was reported by the issuer. I did not make this deposit nor did I sign this check the authorized user on my account did this without my knowledge or consent. As soon as I found out about the issue I paid Bank of America. They stated they closed my account, although I still receive statements on this account. I have have never committed any type of fraud and acting in good faith.

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 monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ), An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 

*I was on a Covid 19 Forbearance Plan, and was never late on payments. I am now out of forbearance and mortgage is in good standing. I was given an accommodations, and as a result I can not have any negative effects on my credit. This is preventing me from pursuing any type of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
Requested a loan refund on XX/XX/25 and have yet to receive status or update via mail, no refund or change in account status has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CL Holdings LLC
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MO

Complaint narrative:
I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX D XXXX CT XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.

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 2022-09-20 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: MO

Complaint narrative:
I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MO

Complaint narrative:
This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXXXXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX Balance Owed : {$4000.00} ; XXXX/XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} ; and XXXX XXXX Balance Owed : {$0.00}.

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 2022-09-20 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: MO

Complaint narrative:
This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXXD XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation