vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AE

Complaint narrative:
I participate in the Public Service Loan Forgiveness Program. I am attempting to recertify my employment status as a government employee. I have been submitting PSLF certification paperwork to FedLoan Servicing. They're rejecting my certification because of the way my HR representative completes the paperwork. All required information has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
I received a check from the U.S. Treasury department in the amount of {$1400.00}. I do not have a bank account and desperately need this money so I took the check and my government issued, valid I.D to my local XXXX grocery store. The employee at the customer service desk/money center immediately ask me to sign the back of the check. After doing so, I was asked to enter my social security number repeatedly on their debit machine. After approximately 5 minutes, the employee rudely informed me that they could not cash the check nor give me a reason as to why this decision was made. She handed me a XXXX receipt that had a phone number for " certegy '' listed on it. She told me " they will explain everything ''. I immediately called and was told even less than I already knew. I now have a {$1400.00} check I can not cash and have no idea why.

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 2021-05-18 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
my paypal account is permanently limitted the paypal campany sent me below message .... '' After a review, we decided to permanently limit your account as we found potential risk associated with it. 

As a result, we can no longer offer PayPal services to you. 

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, we'll email you with information on how to access your funds '' so how can i resolve it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: UT

Complaint narrative:
I have had an account with XXXX for almost 5 years. I've never had an issue until XXXX. In XXXX I had XXXX fraudulent charges via my chime credit card. I filed a dispute. Then I was lied to in writing by saying that a provisional credit was issued to me. Upon calling to verify why I couldn't see the credit I was informed I wasn't receiving one and that it would take 90 days for a resolution. I filed a complaint with the XXXX. Again I was lied to because Chime told the XXXX  that I was given a provisional credit. I called Chime again and they said no I wasn't receiving one. Then a few days later I was informed they denied my claim. I called a third time and they said I wasn't able to appeal the decision. Yet when I light into my account even as of today it says 1 of my XXXX dispute was denied and the other XXXX were approved. Again this is a lie. I still dont have my money back. I'm a single mom and haven't been able to pay my rent for the month of XXXX now because of this. I need my money back!! The fraud charges are as follows : XXXX XX/XX/XXXX {$66.00} & {$70.00} XXXX XX/XX/XXXX {$86.00} & {$70.00} & {$70.00} & {$24.00} & {$81.00} XXXX XX/XX/XXXX {$66.00} & {$66.00} & {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This company was disputed few months ago, then they abruptly closed the account. Now, they are reporting account is 30 days late. How can I be late on an account that is closed. The company is reporting wrong information as I have not used this store card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal permanently limited my account. i have money there and i can't get the money until 180 days which is not okay for me because i need the money to widraw as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On my Barclay credit card from XXXX I had fraud. I tried to do the online dispute but it only let me do half of it. So I called in with the other half. Every time I call I try to tell them about ALL the charges but they didnt understand my XXXX and thought I was talking about one charge. This went on from XXXX till XXXX of this year. It was always we filed your dispute and it can take up to 90 days. So I would wait a few weeks and I see I still havent got professional credit. They say you are not responsible for these charges BUT you still get a bill each month which I did pay. Finally after going around and around I get ahold of someone a week or so ago and they didnt just hang up on me or put me on hold for a hour. They put the disputes in and I thought finally after months of this I got someone to actually get it right. Then shortly after I get a letter in the mailed they they denied my disputes based on I took to long. I never took to long! They just never could get it right.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
In early XXXX I requested copy of my credit report. CRA snail mailed me a link to open report online. Opened link, reviewed report found numerous errors. Contacted CRA and spoke with rep on fone, detailed errors. About one month later received correspondence from CRA that certain of the erroneous information had been deleted. Said correspondence included a link to review " corrected report '' Link did not work. Contacted CRA. CRA agreed link was faulty and promised to re-send a new link. Several weeks later received another snail mail letter containing yet another link. This link too was faulty. 
Contacted CRA again. CRA again agreed the link was indeed faulty. CRA agreed to overnight a hard copy of my report so that I could review my " corrected report '' Never received promised overnight letter containing report. CRA offered a case number for this request to-wit : XXXX. Re-contacted CRA on XX/XX/21. CRA now claims my file and report are " lost '' and can not be retrieved. Attempted to contact Lexis/Nexis corporate as the customer service people, while polite, are worthless. Unfortunately, Lexis/Nexis corporate is totally incognito and can not be reached. All the while, I am assuming that my file continues to be made available to their subscribers containing quite possibly incorrect and potentially libelous information. 
This company needs to account for their shortcomings. I'd recommend that a case be opened by CFPB and that civil money penalties be imposed for their flagrant abuse of the FCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America charged me {$30.00} to stop payment on a {$45.00} check to the XXXX XXXX XXXX. This is outrageous. I don't mind paying a {$10.00} stop payment fee, for example, but to charge me {$30.00} on a {$45.00} check is OBSCENE! 

Furthermore, I have overdraft protection and yet the Bank of America keeps charging me an overdraft fee of {$35.00}. I have repeatedly complained to the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, New Jersey XXXX but to no avail. This {$35.00} overdraft fee keeps appearing! 

I call all this a rip-off! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret )

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 2021-05-18 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: TX

Complaint narrative:
I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX XXXX and they are now have the most recent police report XXXX that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. TransUNION does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX XXXX  is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX  has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable

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 2021-05-18 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: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Ford Motor Credit This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX  reporting Closed ; XXXX no status ; XXXX closed or paid/zero balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a first mortgage with SLS that was originally from XXXX XXXX but sold off. I entered into forbearance during the pandemic. Around the end of the forbearance period, SLS sent me paperwork that my wife and I needed to fill out in order to determine the payback method. I wanted to defer the payments to the back of the loan, but after reviewing my paperwork, SLS determined that I needed to pay back a lump sum. After a challenge to that decision, SLS again informed me that a lump sum payment was required. 

So in order to not be late on my mortgage, I paid the lump sum payment. However, after I made the lump sum payment, SLS marked my XX/XX/2020 payment as over 90 days late. 

CREDIT SCORES WERE NOT TO BE NEGATIVELY IMPACTED FOR MORTGAGES DUING COVID AS PER THE CARES ACT. 

We were not 90 days late on our mortgage payement, we were in forbearance. After multiple emails and phone calls, SLS has still not recognized this or made any adjustments to my credit report, which is now negatively affecting my ability to obtain credit in the future. 

They also have a very poor customer service that responds to all messages but never with anything definitive that makes a bad situation even worse. We are both senior citizens and we are grossly being taken advantage of by this company who has no concern for their customers other than to simply collect payments.

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 2021-05-18 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: TX

Complaint narrative:
I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TX

Complaint narrative:
I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. Experian, XXXX & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I am the victim of identity theft. I reached out to this company to inform them of the issue to no avail. I have filed a police report as well as an identity theft report with the federal trade commission. Net Credit will not remove this account from my credit and go after the scammer. The date this account was opened is XX/XX/20 with a current balance of {$7500.00}. This is absolutely ruining my life. Please find the scammer and prosecute them!!

Company response to consumer: Closed with explanation