vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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:
I received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX  and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA. 

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This week I received a letter from Bank of America dated XX/XX/XXXX. It said my account was closed because it was inactive. However in the past it has been inactive for a year or maybe longer and stayed open. It mentioned something about my student loans which were paid in full last summer. Since then I owe nothing. After my student loans were paid off I called back a month later to verify the XXXX balance with the Dept. of Education and they said yes they're officially paid off and I also received a letter in the mail verifying paid in full which I can bring into a BOA branch if needed. The week of XX/XX/XXXX I spoke with a gentleman from Bank of America to update my contact information and he mentioned nothing negative about my account nor that it was about to be closed ( the letter from Bank of America was dated XX/XX/XXXX ). I always paid my BOA on time when I was using it. A long time ago it was reported as lost for months and BOA still didn't close it. That's why something's not right. 

Before I was terminated back in XX/XX/XXXX an employee told me that if they really hated someone, they would XXXX up their credit. If prior to having lived in XXXX I had gone long periods of time without using my Bank of America card without them closing it and just this week I received a letter saying it was closed, it doesn't make sense. I need someone, to help me reverse BOA closing my oldest line of credit which was helping my credit. The letter from BOA makes no sense because even after my student loans had issues, BOA still didn't close my account. Those student loans were paid in full last summer which the US Dept of Ed reported to each Bureau. An employee whom I worked with at XXXX XXXX in XXXX back in XXXX said that if they really hated someone, they would XXXX up their credit. Is it normal or ok for an employee to tell me this? Closing my oldest line of credit that had a XXXX balance was the last thing I needed to happen right now. This is ruining my chances of getting hired. I wouldn't be this worried if that employee hadn't told me that. Then have stuff like this happen and other things that happened when I worked in XXXX. If someone can help me, I'd appreciate it so much.

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 2019-04-29 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XXXX XXXX XXXXl 2. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees XXXX in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with USAA Federal Savings Bank. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of  which showed proof that this account was removed from XXXX and XXXX, yet XXXX   continue to report this on my report. 

XXXX XXXX is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that USAA and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
First week of XXXX my wallet was stolen and my identity was used to attempt to get a PayPal Credit account. I received a letter stating that I attempted to get a PayPal Credit Account and was refused. I am in no need of an account and I just wanted to report it. Thank you for your time. Reference # 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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2019 I paid off my credit card account @ Chase Freedom. Fast forward to XX/XX/2019 and I receive a charge of {$11.00} on my account. How does Chase get away with bleeding customers for every penney? I called Chase Freedom and spoke to XXXX @ the XXXX office and all he could offer was lip service as he read the standard company manual!? He could careless if I closed my 4 Chase accounts? Horrible customer service!! Do not open a Chase Freedom account .... Go for XXXX XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I decided to refinance my FHA loan with Bank of America to take advantage of the much lower interest rate and to eliminate the PMI. The whole easy process was completed on XX/XX/2015 and everything is fine until recently I found out someone have recorded a grand deed attempting to change the title of my property. A grand deed was submitted a year later in a attempt to change it into a community property. This was all completed without my permission or even having knowledge of it. I'm glad the Assessor 's  office was able to void the transfer when it was submitted to them. Is it normal practice to modify the title of the house during refinancing? I assumed that ownership are left alone as original during refinancing. 
My mortgage account # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My Full Name : 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 2019-04-29 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: SC

Complaint narrative:
I received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA.

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.

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 2019-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Using the XXXX Cash app, I accidentally sent money to the wrong user. I contacted XXXX about the issue, and they offered me no recourse because the payment was " instant ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: FL

Complaint narrative:
On XX/XX/2019 I faxed a form to fedloan servicing that they needed to fill out and mail back to me as soon as they received it. I confirmed they received it on XX/XX/XXXX. I have to have this original stamped form from fedloan servicing in my hands so I can mail that form and my employer verification form to Florida board of education by XX/XX/XXXX. If the Florida board of education does not receive these forms by XX/XX/XXXX I get kicked out of this program that is paying $ XXXX/year for 3 more years to my student loan ( {$12000.00} over 3 years ). As of XX/XX/XXXX I had not received the form from fedloan. I call them on XX/XX/XXXX and was informed they received my form on XX/XX/XXXX but someone misfiled it as a mortgage verification. The person I spoke to said the fastest turnaround time she can do is 3 days. I should have had the form yesterday. As of now I have had to call off work and make plans to fly to XXXX from XXXX tomorrow so I cam drive to XXXX PA and go to the fedloan servicing office and pick up the form in person and then drive back to XXXX and fly back to XXXX. Then on XX/XX/XXXX I will miss another day of work so I can drive to XXXX ( 3 hour drive each way ) to deliver the paperwork to the Florida department of education since they have to have paperwork in hand by XX/XX/XXXX. I am extremely unhappy that I am spending/losing money because the fedloan servicing   personnel misfiled something. {$12000.00} is a lot of money and I am the one that is suffering due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: SC

Complaint narrative:
my address is not showing in the credit report from equifax and the credit card are denying my application

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Student Loan Finance Corporation
State: GA

Complaint narrative:
I had disputed a few dates for my student loan which is now paid off those dates of late payments were inaccurate for a few various reasons and I would like to have them removed has late payments to current payments because they were current or an accurate verification of the payment being late within 30 days or removal of this late payment Trail on my credit report the name of the loan was refund student loan slfc / XXXX XXXX XXXX XXXX XXXX XXXX and the dates were as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. This account was opened XX/XX/XXXX. Loan fin XXXX XXXX XXXX XXXX XXXX SD XXXX the number is XXXX XXXX. The date it was closed was XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: DC

Complaint narrative:
This is a continuation from my previous complaint and that is I forgot to mention that in the process of me going out of town when my father passed  away I lost my wallet no I didnt report it the police due to I was going through so much at the time with the passing of my father. I really hope that youll can resolve this situation with XXXX  and XXXX XXXX so that I can open a regular bank account as soon as possible.

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 2019-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I seek your help to reduce a debt that has burdened me for 17 years and threatens to burden me for at least ten more my federal student loan debt. I graduated from XXXX College in Maryland in XXXX and in XXXX, began repayment of my XXXX XXXX XXXX Federal Direct Loan with a combined principal of {$44000.00}. In spite of making timely payments for the past SEVENTEEN years, my current principal balance is only {$35000.00} ( as of XX/XX/XXXX ). 

That is a difference of a mere {$9100.00}, or {$530.00} per year for each full year of my payment history. By contrast, I have paid more than {$2500.00} per year. 

Since XX/XX/XXXX, I have worked at a major nonprofit institution in XXXX. Although my employer is a qualified employer under the Public Student Loan Forgiveness Program and I made uninterrupted monthly loan payments during the qualifying period, this is not enough. In an email dated XX/XX/XXXX, I received notification that I do not have any qualifying payments because my repayment plan type is graduated rather than income-driven. The notice explained that I could convert my loan to an income-based option and work another ten years to receive forgiveness. I am a single woman and can not afford to almost double my monthly loan payment under the income-driven plans. 

I was encouraged recently to learn about the Temporary Extended Public Loan Forgiveness Program and quickly requested reconsideration. I understand that the program is for persons who were denied PSLF due to the wrong payment plan and assumed I had a fair chance at loan forgiveness. However, in an email dated XX/XX/XXXX, I was again advised that I do not meet the qualifications because the amount I paid in the 12 months prior to applying for TEPSLF was not at least as much as I would have paid under an income-driven plan. My current monthly payment amount is {$190.00}. The monthly income driven payment amount calculated by Fed Loan is {$380.00}. 

I beg of you, how could I have reached this amount if I was under the graduated repayment plan? This criterion for the TEPSLF continues to punish persons who have been paying faithfully and serving our communities.

Company response to consumer: Closed with explanation