vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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: AES/PHEAA
State: PA

Complaint narrative:
I recently saw that AES/PHEAA is being fined for their mishandling of loans from XXXX : XXXX XXXX XXXXXXXX During that time, I submitted for the public service loan forgiveness program, having made 120 payment since XXXX, all while serving in state government. According to that program, by loan balance should have been forgiven at that point, but was incorrectly denied. I reapplied in XXXX ( apparently when the agency regained some direction ) and my loans were promptly forgiven. 

I'm attaching my original application that was denied, saying simply that I did not qualify, which was patently false. There was no appeal process, however. 

I was wondering if there is any potential payback to borrowers or other avenues we can access to recoup funds that the agency incorrectly collected. During the four year span between my denial and re-application, I paid approximately, {$10000.00} more than I should have because of their errors or incompetence and I'm wondering where I could go to maybe recoup some or all of that overpayment. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan of {$35000.00} from PNC in Florida from the XXXX XXXX XXXX branch. The loan was to pay off/on three credit cards. Two were paid on, but the check for the largest amount of approximately {$23000.00}, still has not reached the creditor. These PNC payments to the creditors were generated and sent by PNC. I never saw or touched these checks. At the branch level, they wanted me to chase after the missing check. After a while, the staff at the local branch stopped handling the matter. I reached out to a PNC middle manager, XXXX, attached to the corporate office in early XXXX. PNC claimed that a fraud case had been opened with the alleged recipient bank, XXXX XXXX and XXXX wanted me to pay both the full loan premium and the creditor while the case was being ironed out. I told XXXX that this was not fair and was not sustainable since I would be paying on a loan that I am not benefitting from and on the other hand paying interest on a credit card that really should have been cleared by the loan amount. I then asked XXXX to speak to the loan department with regard to obtaining a deferment of payments on the loan until the matter has been resolved, which could be about 5 months. I even asked for the loan to be renegotiated. I was to receive a call back last Thursday, XX/XX/XXXX. To date, there has been no word from PNC, XXXX and another payment will be due on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I requested verification of the debt they claim I owe. However, I did not receive any response until approximately XXXX  days later, on XX/XX/year>. This delay is unreasonable and does not comply with the Fair Debt Collection Practices Act ( FDCPA ). 

Given the delay in your response, I dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have no knowledge of this account. The only Bank of America account I had was a car loan and that was closed and paid in full. This account does not belong to me.

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 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was recently scammed during a real estate closing process, and sent XXXX wire in total from my bank accounts ( Chase, XXXX XXXX, and XXXX XXXX XXXX  ) to a scammer 's account at XXXX XXXX. XXXX  has confirmed that the money is gone. I started recall process at Chase, XXXX XXXX, and XXXX XXXX XXXX  separately at the same time, and so far I have successfully received XXXX refunds from XXXX after signing the XXXX XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX. The only transition that is still not retrieved is the one that I sent from Chase, which is XXXX. Chase claimed repeatedly that they sent out the XXXX XXXX XXXX on XX/XX/year>, but I was able to confirm with the agent at XXXX in written form that they have never received the XXXX XXXX XXXX from Chase. I have never signed the XXXX XXXX XXXX at Chase, neither. I then contacted the wire research team at Chase, and they insisted that XXXX has to initiate and send Chase the form to sign ; however, since I am not a XXXX  customer and it is not in XXXX  interest to refund, XXXX has also insisted me to ask Chase to contact them for details to sign the XXXX XXXX XXXX. Chase has been giving me inconsistent updates and their lying and lack of action in this situation is potentially delaying the process and jeopardizing the XXXX that I could have gotten back XXXX ago. I am formally demanding Chase to have me sign and then send XXXX the XXXX XXXX XXXX as soon as possible to stop further delaying this process, otherwise I would seek legal support for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I want to bring to your attention a situation with NetCredit. I took out a loan with them and faced XXXX challenges that have made it difficult for me to make my payments. 

I lost my house to XXXX XXXX in XXXX, then lost my job, and had to relocate overseas. Upon returning to the XXXX, I obtained a new job and had to move into a new studio, for which I took out a loan. NetCredit approved a cash advance of XXXX out of a total loan of XXXX on XX/XX/XXXX, and I set up a XXXX recurring payment with my checking account. Up until XXXX, I had made total payments of XXXX. However, due to a work injury and the need to make an enrollment deposit for XXXX XXXX, I had to cease making payments. 

I am now facing excessive fees from NetCredit, amounting to about XXXX a week, totaling XXXX compared to what I owe on the principal, which is about XXXX XXXX XXXX. Moreover, they have reported on my credit that the account is maxed out, and my missed payments have lowered my credit score from XXXX to XXXX. This has put a strain on my ability to secure new housing and obtain student loans to pursue a XXXX XXXX XXXX at XXXX XXXX. 

As a XXXX  mother trying to rebuild my life in XXXX, I am facing significant challenges. I am keen to resume my payments, but I urge NetCredit to reconsider their practices and fees. I am hoping that the CFPB can assist me in resolving this matter, which is currently hindering my chances of finding new housing and obtaining student loans. 

I appreciate any assistance you can provide in addressing this issue. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS Of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( s ) listed IMMEDIATELY! 

Account Name 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated XXXX for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX  XXXX which is 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. 
I don't own all the records on my credit. 
I make a strong request. 
Please clear and delete my entire credit report. 
Overall, the records listed in my credits are not mine. 
Currently, a police report has been requested and a fraud alert has been placed on the credit bureau. 
Please delete this entire erroneous credit report from my 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. 
I don't own all the records on my credit. 
I make a strong request. 
Please clear and delete my entire credit report. 
Overall, the records listed in my credits are not mine. 
Currently, a police report has been requested and a fraud alert has been placed on the credit bureau. 
Please delete this entire erroneous credit report from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. 
I don't own all the records on my credit. 
I make a strong request. 
Please clear and delete my entire credit report. 
Overall, the records listed in my credits are not mine. 
Currently, a police report has been requested and a fraud alert has been placed on the credit bureau. 
Please delete this entire erroneous credit report from my 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
This is XXXX XXXX I talked to my XXXX company XXXX and XXXX they said that bill was paid do not worry about it so I did not worry about it until a year later I started getting letters and next thing you know it popped up on my credit report and I called and talked to him and I received the letter through my XXXX stating that that bill was paid and XXXX balance and why is that still receiving collection letters in the mail stating that I owe {$1500.00} for XXXX XXXX XXXX XXXX in XXXX XXXX XXXX here in XXXX XXXXXXXX XXXX  I do not have that type of money to pay anyone because I pay rent I pay XXXX XXXX I buy food and I had to pay utilities which I received XXXX a month I don't have anything left to pay anything I receive XXXX and I have XXXX and XXXX part a and b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is 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 non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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