vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have tried to ask for a loan and a personal line of credit so that I do not have to keep overdrawing my account. my credit score has been high enough and my check goes to my account through direct deposit. I have been denied credit in my opinion just so the bank can keep withdrawing overdraft fees. in the amount I have paid to the bank in overdraft fees I could have paid off the loan in which I have applied for. the bank advertises that they help their members. this bank does not and has false advertising.

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 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
Currently, I bank with U.S. Bank. Based on a review of my account, U.S. Bank is withholding deposits to force overdrafts. 

A deposit of {$170.00} from XXXX to my U.S. bank account on XX/XX/XXXX was with held. As well as a deposit of {$210.00} was also withheld on XX/XX/XXXX. The withholding by of these deposits forced my account to overdraft. 

I can add more examples of where this has occurred. I have reached out to U.S. Bank ( XX/XX/XXXX ) and they have refused to help me. 

Thank you

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 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.

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 2021-11-27 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: NY

Complaint narrative:
I still have an account on my credit report from all 3 bureaus when the account is past 7 years and 180 days. and I can not get my parent plus loan or anything. it's affecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have continuously tried to resolve this with experian credit services they choose to keep reporting after XXXX  days reporting incorrect information this XXXX  account has never been paid late. All the other credit bureaus are reporting this correctly paid on time.

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 2021-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: WA

Complaint narrative:
On XX/XX/2021 Compass recovery group called my girlfriend, and have previously sent collection attempts to an address I have not lived at for over XXXX  years. The collector announced himself as working for Compass recovery group and pestered her for information as to my contact information during her work day. A clear violation of the law, as well as unethical and harassing tactic. 

According to the reviews online about this particular company I am not the only one that they have done this to, despite the tactics illegality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: KY

Complaint narrative:
I have 2 issues. Both would likely set off someone. But im being patient ... .but also really getting sick of this company. 1. I paid Carvana my taxes in XXXX on the car, then had to pay the taxes again to the state, when getting it titled. I was told a reimbursement was coming by Carvana back on XX/XX/XXXX. It took forever to get titled because I I expected theym to pay the taxes that I paid to them. I havent seen it and its been weeks since I initially spoke with a rep about this. Today a rep confirmed it has been sent. This is unacceptable... I've been overcharged basically by 1200 and they arent trying to fix it in a reasonable time. By the time the do finally mail a check ( which is not my prefered method ) I have to wait for it to get here, deposit it in some bank .... wait for it to clear and this is going to still take weeks. Meanwhile I have bills to pay. ) 2. I paid off the car in XXXX. Ive never received a release on the lien. I cant do anything with the car because they've had a lien on it for 4 months longer than the time I owed them money. No one seems to know what to do on their end. 

Carvana has tens of thousands of my money locked up basically over a check and a form and they aren't doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The car was repossession the amount own on the car was around 9600.00 dollars the car was sold buy the company for 4800 dollars and it was applied to the amount of 9600 even know the 4800 with to the 9600 my credit report have not changed after calling and writing the.

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 2021-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On Thursday, XX/XX/XXXX I called my Federal student loan servicer Great Lakes Student Loans to lower my monthly payment while on Income Based Repayment. I had been paying {$53.00} prior to the pandemic and the Great Lakes Student Loans website confirmed that I would be paying {$53.00} after the pandemic. However, my daughter was born after this was assessed, so I called in to lower the rate by adding a dependent. 

When the agent calculated my new rate, she said it would be {$230.00}. She explained that my rate would be {$53.00} through XXXX of XXXX, but that adding another dependent would actually increase the rate and she couldn't account for the reason why. She consulted her supervisor, who advised that there was an error and my rate would be changed from {$53.00} to {$330.00}. I advised the agent that I did not consent to this change. I requested that she make sure the change was not made. She assured me that the change had not been made. 

Following this incident, I complained about Great Lakes Student Loans on XXXX, and their social media team intercepted me and offered to help. After exchanging some information, an agent called me on Friday, XX/XX/XXXX to confirm that the previous agent lied to me. The change from {$53.00} to {$330.00} was put through without my consent and when I was promised that it would not be put through, I was given false information. He offered to " lower '' my rate to {$230.00}, but did not address my actual issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a discover card in XX/XX/2021. I have made multiple payments on the account. My account was closed due to unable to verify personal information last week. They have not given any additional information but instructed me to write to the po box

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
capitalone bank cards are in collusion with XXXX XXXX 3 accounts are lock in to my credit files and wont come out. force XXXX to unloack and get lettr of deletion from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
barclays and XXXX XXXX are in collusion with each other and is still being reorted on 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 2021-11-27 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: NY

Complaint narrative:
I the consumer original creditor never gave XXXX or any other credit reporting agencies written or verbal permission to have a credit report on me. I want all negative remarks and accounts removed. I requested on several occasions to remove XXXX XXXX XXXX from my credit report due to fraud and violating the FCRA and FDCPA. I never gave them written or verbal permission to give any of my information to any credit reporting agency and I want them removed my credit report and all hard inquiries. I AM SEEKING MONETARY VALUE FOR DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: AR

Complaint narrative:
I have already attach the files regarding identity theft and data breach, My personal information has been compromised.I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
My ex-girlfriend got a credit card in my name and maxed it out and now the creditor seized my bank account and took {$400.00} out of my bank account from a card that I did not authorize her to get so I consider that a fraudulent case and it is making a big impact on my credit score. I filed charges on this woman it was years ago and they just now seized up my bank account about a year ago and took {$400.00} when the debt was only for XXXX something I would really like this to be taken care of it's for it was for XXXX XXXX but now it's for portfolio something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
capitalone bank cards are in collusion with XXXX XXXX XXXX accounts are lock in to my credit files and wont come out. force transunion to unloack and get lettr of deletion from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was at XXXX XXXX checking out and the clerk offered to give me a discount on my purchase if I opened a *store* card. I asked her to confirm that it was a store rewards card ( rather than a credit card ) and she did. She filled out the application for me ( asking me for my details ) and submitted it. I completed the checkout with no additional payment required, since she told me the opening bonus would cover the entire balance. 

I later checked my credit report with XXXX, and saw that they had opened a store credit card ( XX/XX/XXXX according to XXXX ) with Synchrony Bank and the amount that I had spent at the store was listed as past due ( the amount that should've been covered by the reward in the first place ). Since I had not knowingly opened a card, I was unaware that it existed up until this point, and obviously could not have paid the balance, nor did they contact me to make me aware of the late balance before reporting it to the credit bureaus. 

I contacted their customer service early in 2021 when I discovered the issue, and they referred me to their fraud department. The fraud department assured me that the balance would be zeroed and the account would be removed from my credit report. They instead closed the account and left it on my report showing paid and closed ( but previously past-due in XX/XX/XXXX ). I contacted them several times in the ensuing XXXX months and they repeatedly assured me that it will be taken care of, but to date it has not. It has been several months since my last attempt to resolve the issue.

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 2021-11-27 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: CA

Complaint narrative:
Equifax is not thoroughly investigating my complaint, instead they are responding with a generic response which is not relevant to my complaint! 

Complaint : Since XXXX XXXX my uncle added me on his XXXX credit card as an authorized user. 

The account has not reflected on my credit report. I have repeatedly contacted Equifax to be told by their customer service representatives the issue is with XXXX not reporting the account. 

I have escalated complaints with XXXX and after their investigation the account in mention has been reported to all credit bureaus since XX/XX/2020. 

This account is listed on all credit bureaus except Equifax. 

Equifax is not investigating this complaint and is providing me with a generic response. 

As this account is an authorized user account the possible issue is the account is listed with mixed details primary card holder information and my information I AM ASKING EQUIFAX TO INVESTIGATE AND CORRECTLY UPDATE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
I checked alert on my report and called Equifax on XXXX asked about that it is ( A FM was filed at XXXX XXXX GXXXX XXXX  XXXX ). A representative explained this is an error will be rectified soon. I called on XXXX again but this time another representative explained me this due to your secured loan if you taken, I confirm from XXXX XXXX finance Manager about this entry but he denied and explained there is no procedure like this. I am concerned because EQUIFAX is not providing me a right information about my file. please confirm that how they will rectify this which is most important for me because of my mortgage renewal is due soon. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
I received a letter in the mail from Dynamic recovery solutions for a outstanding debt for XXXX credit card. I actually settled in 2015 and I called XXXX directly and spoke with XXXX in collections and he told me I do not have nor owe a outstanding balance. I tried calling Dynamic recovery systems but they just want my information my full social security number not happening you get my name and last XXXX and that's it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On or about XXXX XX/XX/2021, I had Social Security enroll me in Direct Express to receive my benefits on this prepaid card service. I was told that on or about XXXX XX/XX/2021, I would receive my card with my benefit deposited on it. 

However, on or about XXXX XX/XX/2021, I received a text message that a new pin was applied to a Direct Express card that I never personally received. I was both anxious and frustrated at this as not only is my address, email, and phone number needed to do this, but also my date of birth and last four Social Security Number. This is too high a security risk and Social Security promises that XXXX XXXX is a safe convenient experience. 

I then was sent another card with a {$13.00} charge that should be waived as the delivery of my card and subsequent theft was not my fault or responsibility. Fortunately, I had Social Security cancel my direct deposit in time. But, Direct Express Card Services refuses to take responsibility for their mistakes and waive the fee and close the card down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian said that they cant change the report despite the facts I submitted with documentation from lender of payment history. I paid as agreed before, during and after bankruptcy. The reporting of bankruptcy should be in the notes section not under payment status which leads to falsely accusing me of being derogatory or delinquent. 
Currently, the reports show I was delinquent or derogatory which is a complete lie and is defaming my name and who I am as well as causing the purchase of new home impossible due to lower credit score based on derogatory statements which is causing me major quality of life issues. This is totally unacceptable and defamation against me. Please remove statements of derogatory and or delinquent as well as possible derogatory or delinquent comments because I was not. I provided documents from mortgage lender, a complete copy of payment history which clearly shows I paid as agreed. To report I was derogatory is crazy wrong and I deserve the truth to be reported on all my credit reports from all agencies. XXXX and XXXX have no problems reporting the truth so I dont understand Experians problems. U must not be allowed to defame my actions as a result of bankruptcy which I was not informed of the reaffirming process due to many lawyers inability to inform their clients. I paid as agreed so remove all derogatory and delinquent statements because they are false!

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 2021-11-27 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/2021 I sent Certified mail to Southwest Credit collection, XXXX, XXXX, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have repeatedly told these people to stop calling me. They are trying to collect a debt that is over XXXXyears old, a debt that I have already contested and removed from my credit report. 

I have told them many, many times to stop contacting me.

Company response to consumer: Closed with non-monetary relief