vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
I have been repeatedly and wrongly denied loan forgiveness under the TEPSLF program. FedLoan Servicing is refusing to qualify my payments made while I worked for XXXX XXXX XXXXXXXX XXXX XXXX My employment there was on a contractual basis determined by XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  did not consider me " full-time '' by their definition ( no XXXX  there have this status ). However, I can clearly demonstrate that I worked an average of 31.8 hours per week while working at XXXX, and I have given this information to FedLoan Servicing. The definition of full time work as stated clearly at https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service # full-time-employment reads : " For PSLF, you're generally considered to work full-time if you meet your employer 's definition of full-time or work at least 30 hours per week, whichever is greater. '' That one must EITHER meet the employer 's definition of full time work OR work more than 30 hours per week. Clearly my payments during this time with XXXX XXXX  XXXX XXXX XXXX should qualify as part of the 120 payments. I have called FedLoan Servicing on numerous occasions and submitted documentation of my employment. FedLoans average response time to written communication is abhorrent : 60-90 days. Most recently I called on Thursday, XX/XX/2022, and I spoke with XXXX, employee number XXXX, who could not help me. She transferred me to XXXX, # XXXX. XXXX was extremely combative and condescending to me during the course of our conversation. She refused to acknowledge the above definition of full-time work applied. She confirmed that FedLoan indeed takes 60-90 days to respond to any written communication. She told me that my only recourse for my case was to " convince '' XXXX to change their response on my employer verification form, which would be asking XXXX to lie and commit fraud on my behalf. I'm not going to do that. This company appears to have a blanket policy of denying loan forgiveness by using their own self-serving definitions of " qualifying payments '' rather what the federal government has dictated. I need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gitsit Solutions, LLC.
State: IL

Complaint narrative:
I was notified that a debt that was incurred for personal family and household use- which i recently found out is an already prepaid item - had been charged off thus the company had been paid. I began received notices from XXXX companies stating that I owed them a debt - HOW DID THEY GET MY INFORMATION i never contracted with them, I never provided my information to them, I never gave my express permission for them to have my information. However, acting in honor, i requested information to prove the claim that i owed them anything and to prove that there had even been full disclosure and a meeting of the minds to create a contract - after 30 days of non response i sent them a cease and desist letter with a second opportunity for them to provide the info- they not only IGNORED MY REQUEST FOR INFORMATION but notified me that their response to my cease and desist notice was being sent through the United States Postal Service. Upon receipt of their certified mail response, it contained a threat - " notice of default and intent to accelerate and foreclose '' and " a notice of right to cure '' and were both manipulative and threatening and violates my rights under the consumer protection laws and violates Regulation Z. My affidavit and notice to cease and desist and request for debt validation and information request were never even addressed and no information was provided by them to prove their claim. They appear to be attempting to retaliate against me by asking them to abide by the law. They are trying to manipulate with to enter into a contract with them by manipulation and threats. I even went as far as to inform them that just in case this debt for personal household and family use were proven to be valid, I told them that all payments were being held in an escrow account so that they would know that I was acting in honor. They are still trying to contract with me even after i informed that I do not consent and rescind any known or unknown contracts that were not fully disclosed and agreed upon that may have been mistakenly or inadvertently established between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have had an american express card for 28 years, about 2 years ago there was fraud on the card and American Express closed the account and issued an new account number. At the time of the fraud I spoke with American Express and stated that no subscriptions should be carried over to the new card. However for the past two years, charges for XXXX XXXX  were charged to the cancelled card and transferred to the new card despite my express instructions at the time of the fraud that no subscriptions would be transferred to the new card. During the interim I contacted XXXX but they had my boyfriends information linked to the cancelled card number so I was unable to verify the information. I would like the charges to be reversed as they did not have my permission to charge on the new account with the old account number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I closed my account with Chase one year ago because I live overseas. I was a Chase customer for 20 years. I asked for wire transfer to another XXXXXXXX XXXX  account. Instead, Chase sent a check to my mother. My mother sent me the check and I endorsed it. Then I sent the check to my new bank in the US, but this bank only accepts wire transfers and the check was destroyed. Then I asked Chase for a new check. That was 6 months ago. Then Chase sent me forms to be notarized which I sent back. I called Chase 2 weeks ago and they said they need to investigate my identity and needed to call me back. I gave them my phone number and never got a call back. I called back today and no case officer had been assigned to me. I have been waiting for one whole year for my funds. I am shocked that Chase would settle accounts using a risky method like a paper check. Chase has made no effort to reach out to me. Even if I get a check, it will take me weeks to get it into another account. 

Account : XXXX XXXX Amount : USD XXXX Case Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.

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 2022-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXXXXXX XXXX  ACCOUNT NUMBER # XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-03 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of wire fraud. I am a Wells Fargo account holder and XXXX + was stolen and transferred into a XXXX XXXX XXXX Account. The thief used a different phone ( sim ) to get past the authorization so that they could transfer and steal my money. 

Wells Fargo assigned a Case number to me and told me that they would return my money to my accounts after their 10 business days hold. Needless to say, Wells Fargo determined that I would not be able to get my money back because they ( XXXX ) was unable to retrieve the money from the XXXX XXXX Account. Wells Fargo gave me the account number and the name of the business where the funds went but they won't give me the money back. So much for FDIC ( Insurance ).

I have uploaded a letter and additional supporting documents so that it would assist you in any investigation that you might initiate. 


XXXX XXXX XXXX XXXX or 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 monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC
State: FL

Complaint narrative:
The Company Named : Re : XXXX XXXX XXXX ( misleading name ) to a company XXXX # XXXX with address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX MLS # XXXX Now this other agency from the same XXXX XXXX XXXX XXXX, also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested very confusing and misleaded mail loan offers. Things like XXXX XXXX XXXX - XXXX report dated XX/XX/2022 indicates that you have {$3200.00} in available funds How this company got my information, what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX 

Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a XXXX, I'm a XXXX XXXX and also I'm a XXXX XXXX being target by this junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is violating the Federal Credit reporting Act. Even on its own website it is clearly written that : << a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 

Equifax is not following what is written on its own website and in the meantime is also violating the FCRA. Indeed, there is a charged-off account ( XXXX XXXX XXXXXXXX XXXX ) that has been on my credit report for more than 7 years from the date of first missed payment. It happened in XX/XX/XXXX. I have the letter XXXX XXXX  XXXX sent me to notify me that my account is past due. Like I said, it started in XX/XX/XXXX and I have a letter from XXXX XXXX XXXXXXXX to prove it. I have attached it on here for your reference. 
From XX/XX/XXXX to XX/XX/XXXX its 7 years and 2 months! 

Equifax, this is a formal notice that I am sending you. Remove immediately XXXX XXXX XXXX from my credit report!! 

I will use today 's letter against you in court to prove that you deliberately refused to remove this account even after notifying you that this account is in violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX2022 I went to a Huntington branch in XXXXXXXX location at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to make a deposit into my checking account. I provided the bank teller with 2 cashiers checks and my driver 's license- I was presented with a receipt with the deposited amount and the last 4 digits of an account number. The bank teller advised to give it 24 hours to utilize the funds. On XX/XX/XXXX 2022 I checked my account online and the deposit was not there. I received a phone call from a relative who also has the same mailing address asking about my deposit- he advised that the funds had been deposited into his account on XX/XX/XXXX22 in the same amount that I deposited. As of today, my funds have not been returned to my account and I am currently in the negative. Although when I spoke with the branch manager I was told the issue would be resolved within 2 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
received bogues checking account with checks from TD bank in mid XXXX after receiving a {$5.00} dollar check the day before that could only be cashed at TD bank. distroyed both checks and {$5.00} check and today recieved a statement showing activity onXXXX of {$5.00} amounts -- spoke with TD bank on XX/XX/2022 fraud dept said they were showing no activity and but up block on that day XX/XX/2022 Local Police report XXXX XXXXXXXX XXXX XXXX report # XXXX with many victims in this county

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I noticed 2 fraud charges on my Chase credit card account for {$400.00} and {$400.00} at XXXX XXXX. Immediately called Chase customer care. They reversed the charge and issued a new card. However, a month later today, I noticed those charges back on my account. Called Chase and they told me our investigation found card was used in-store. Since cards with chips cant be cloned, it had to be you. They said they will look into it more but I am just frustrated by the time and energy I am having to spent into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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