vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have attempted to repay my student loans in full. 

Besides my regular payments I have attempted to make principle payments allocated to an account to pay off that loan early. 

They have repeated taken that I given them and applied it to another account though in a way I did not instruct in order to keep both accounts open and charge more interest. 

This also discourages people from trying to pay down one part or the higher interest loans early. 

I have spoken with the company but they are unwilling to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX refuses to delete the negative reporting of my Chapter XXXX public record. XXXX refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want XXXX and XXXX XXXX to be held accountable. The negative reporting from XXXX has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

Santander consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
As of today, XX/XX/2021 per my APP, XXXX, XXXX and XXXX are still pending from my account and reflect, " processing ". XXXX even stated which I have in writing, advised they were still withholding funds from the account. The amounts that were pending authorization, have not been released. I've followed the protocol to submit the form in which four points provided too and there is still not a solution. This is unethical and I would like a ledger balance showing the pending hold and the so called proof of the release on paper. It seems that when there is a hold, there is a disconnect with the app and the funds appearing they're being released on XXXX end. In reality, they're not. Please review properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Lendmark Financial Services
State: WV

Complaint narrative:
I bought the 2003 XXXX truck on XX/XX/XXXX. It immediately had to go to a shop for squealing noises that the dealer said he would fix but did not. I had to get the bearings replaced. The very next week the radiator blew out and my husband had to fix it himself so we weren't stranded. We took it back to the dealer to fix and he kept it for three weeks. After he gave it back with the steering wheel upside down, we found out that he never told the shop what was wrong with it and they obviously didnt drive it or they would have known the engine was gone. We were told that the coil packs were changed and another part was fixed. We never saw anything like a receipt or proof of what was said was done. A day after we got the car back it started acting up again. Doing the same thing it was doing when we gave it to him. We took it back yo him and he told us that he couldn't keep taking loses and said he wasn't fixing it. Due to the fact that it is our only car we took it to a mechanic to see if we could get it fixed ourselves. We were told that we needed a new motor because two cylinders are gone as well as a new power steering pump because it broke due to the work that had been done to it. My husband and I are low income and don't have XXXX dollars for a new engine and XXXX for the car loan at the same time. The dealer knew he sold us a lemon and when it came time to make good on the warranty, he kept it to run the clock out and dump us to the curb stuck with a car thats no good. He took our trade in said the price was one thing and then it was different when we signed the papers. My husband lost his job and we are suffering health wise from the fumes that are burning off the busted engine. We have no other transportation so even my children are forced to ride in the car putting their health at risk as well. My husband cant seek gainful employment due to not having a reliable car. He is severely limited in jib selection which is further hindering our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I requested a letter of validation of the debt on XX/XX/XXXX, I never got a response. In XXXX, the company filed a law suit. They bypassed the rights I have under the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report reflects a loan from XXXX XXXX I do not have a loan. I have not signed a promissory note to make monthly payments ; however my credit report shows I am 90 days past due on a one year loan. This is fraud and I demand under the FCRA this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
XX/XX/XXXX I purchased a property at XXXX XXXX XXXX XXXX, IL. XXXX. The lending company was Guaranteed Rate. In XXXX of XXXX I began the process of refinancing my mortgage with another lender. It was at this time that I learned there was a deliquent tax bill for this propery that was due. The property has two parcel numbers. Somehow the lender ( Guaranteed Rate ) didn't pay the tax bill on one of the parcels and there are now deliquent taxes for XXXX, XXXX. I have the warranty deed from the closing that clearly shows 2 parcels which I had to forward to Guaranteed Rate upon their request. I've been working with Guaranteed Rate since XX/XX/XXXX to get this rectified and this is hendering my ability lock in an interest rate with another lender. Also whatever penalties are associated with the deliquent taxes should not be my responsibility nor should my escrow account be penalized due to their over site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank hired a biased and incompetent appraiser with documented bias against minorities which is in the public domain. He submitted a malignant report to the financial institution to ensure the loan is not financed. There is a current appraisal from another lender to prove his bias. I have had several appraisals and brokers review the report of XXXX XXXX and they find it as professional malpractice, bias and unfair. I believe this is an attempt to prevent me, a minority, from getting financing that I deserve for my dream home, even though I have worked hard as an XXXX. Please see attached appraisals. Please investigate XXXX XXXX from XXXX XXXX XXXX and ensure Citibank is following the rules.

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 2021-10-12 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: DISCOVER BANK
State: WI

Complaint narrative:
Discover notified me this morning that someone tried to open a credit card with my information including my social security number. They were suspicious and reached out to me. They denied fraudulent credit card account and advised me to follow up with a credit bureau and get an alert placed on my credit. I then saw I should report the problem to you so am doing so now. I do want to thank Discover for being proactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Nelnet, Inc.
State: IL

Complaint narrative:
I filed a dispute regarding items on my credit report.. I has been well over 30 days and I haven't received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received a promotion through the mail from American Express on or about XX/XX/XXXX, offering 0 % interest for 12 months. I enrolled on XX/XX/XXXX. I received a an email on XX/XX/XXXX, confirming my enrollment. I had charged {$870.00} on XX/XX/XXXX and {$230.00} on XX/XX/XXXX thinking that I had 12 months to pay the balance without incurring interest. I had also made a payment on the account on XX/XX/XXXX of {$170.00}. 

On XX/XX/XXXX, I downloaded my billing statement dated XX/XX/XXXX. It contained a {$14.00} interest charge. When I called American Express, they told me I had enrolled a card ending in XXXX and charged the purchases and payment to my card ending in XXXX. 

I only have ONE American Express card and it ends in XXXX. Although American Express said the XXXX account was opened in XXXX of XXXX, I never received a card for that account! The promotional letter did not state a card that the promotion was for and because I only have one card I assumed the promotion was attached to that card. 

As far as I can tell, the XXXX account was opened by American Express without my knowledge or consent. That is illegal! At this point I have CANCELLED all American Express cards in my name. As a result, I now have an unexpected payment of {$930.00} in order to avoid future interest charges. I have scheduled payment to be made on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have opened savings account online while there was a promotion to get {$200.00} for opening savings account and deposit at least {$20000.00} funds outside TD Bank into savings account and keep it for certain time. I have met all requirements for the promo to receive a bonus, but instead never got it and asked multiple time for it. TD Bank also charge a monthly fee for savings account, but it was disputed by me and fee was reversed as an error. All this time account never was under {$20000.00} except when TD Bank charge a fee that was reversed in few days and that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My complaint is with the following companies. 

1. XXXX XXXX 2.Capital One 3. Mastercaed I booked an XXXX XXXX on XX/XX/XXXX - XXXX. The XXXX XXXX property was not as advertised. Due to the timing of the wedding, food preparation, location, and mutliple travelers arrival upon check in- the unit was less than satisifactory. This information was brought to the host via messenger prior to check out and I was met with a unprofessional response that me and my guest threw a large party and I am not getting a refund - so there is no need to send pictures of the property taken upon check in. I notified XXXX XXXX and was given the run around and ultimately deferred back to the host. To avoid combative arguing - I notified XXXX XXXX that I would dispute the charges with capital one. 

Capital one provided a provisional credit during the dispute, removed the credit, and sent a letter that took 10 days to arrive to my home denying my claim. Within this letter, I was given the option to request for my claim to be re-opened and the option was then given to me to submit the respective support which includes video and images of the property compared to what was advertised. My claim was denied stating " insufficient support :. 

I was also told that mastercared does not accept images for review. I was also referred back to the merchant in which I have decided to pursue this all the way into taking legal action to recover costs and damages for what I feel is discriminatoruy practices. I am requesting a full refund and preparing to file a legal complaint against all parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for an account with XXXX  XXXX XXXX XXXX and will be denied if I'm unable to have this information from XXXX XXXX. I was told there was account reported on XXXX XXXX with my name, address but the wrong social security number. This account was reported by Bank of America for suspected fraud. I have been unable to get in contact with Bank of America because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local Bank of America with no response. I submitted a dispute with XXXX XXXX and I am waiting for a response.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Solutions Group, LLC
State: VA

Complaint narrative:
Recovery Solutions Group LLC has repeatedly contacted our XXXX XXXX email over a debt the original creditor ( XXXX  ) was well aware of an ongoing dispute over the balance from 2016. The debt of {$2300.00} supposedly owed to XXXX  is a false debt. As this was for an AC unit in which their sales man gave us a discount of that amount. After documents were signed and the AC unit was installed, XXXX claimed the sales agent didn't have the authorization to provide such a discount and that he had been fired. They ( XXXX ) have tried to collect on this amount after they knew very well about what their salesman did. We went back and forth with XXXX  on this issue in 2016. Fast forward to XXXX we received a collection letter from Recovery Solutions Group LLC for the above mentioned amount. 
Recovery Solutions Group LLC has repeatedly violated FDCPA by harassing our business line, and emailed the business email regarding the debt which included harassment of a judgment and tarnished credit. After sending them a Cease & Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: OH

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America quietly ended the auto rental collision insurance benefit they have provided customers with for years. I wanted to make sure that it was there before traveling, and had to request a benefits statement from the bank. The auto rental collision insurance benefit no longer appeared in my benefits statement. I never got a warning that this was cancelled in letter mail, email, or on the bank and credit card service website. The insurance coverage was cancelled on XX/XX/XXXX according to a bank representative I later called. Had I not sought out this information, I could have assumed that coverage existed, and been on my own had I gotten into a collision.

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 2021-10-12 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 sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am in receipt of your letter dated and XX/XX/2021, in response to my letters dated XX/XX/2021, XX/XX/2021, and XX/XX/2021 respectively. I requested debt verification. However, the documents that I requested pursuant to my verification request were not provided. Namely, I asked for a contract or agreement signed by the parties and an itemization of the debt. You failed to provide the requested documents pursuant to my specific verification request to you. I never received such a letter dated XX/XX/2021 containing a legal validation notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: U.S. BANCORP
State: VA

Complaint narrative:
Card company closed may account and did not notify me that they were going to do so. 
Now they will not provide statement copies. I did not have statements mailed as i could get them on line

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