vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: SC

Complaint narrative:
Complaint filed on behalf of my daughter a credit card holder with Discover Card.Discover issued my XXXX XXXX XXXX a card with a {$20000.00} limit -with a 20 % interest rate on reviving balance. My daughter 's income has always been around {$50.00} to {$55000.00} per year. She ran up more than {$17000.00} in charges and ignorer not to be delinquent used savings just so she would never be late with a payment. She depleted her savings. Discover recommended her to a credit counciling company -- XXXX who got Discover to reduce the interest rate to 9.9 % with a {$450.00} per month payment to XXXX plus XXXX charged her {$100.00} per month fee. My daughter has " issues '' both XXXX  etc which caused her to accumulate a credit debt of {$38000.00}. Discover is complicit. They act like a " shylock '' - the only difference is they XXXX XXXX XXXX XXXX XXXX for non payment they refer you to a consumer credit agency who gets the rate lowered for a fee. My daughter was considering bankruptcy and came to me with her problem because she needed {$4000.00} for a lawyer. I squelched the bankruptcy and got involved to pay off he loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I have a line of credit account with XXXX XXXX XXXX XXXX through XXXX. I have been paying my bill every month at the end of the month when I get paid. On XX/XX/XXXX I paid my usual {$50.00} payment on my account. Up until XXXX I didn't have an issue paying this way. But apparently my paying early and consistently every month is a bad thing. According to the unhelpful staff the new payment cycle started on the XXXX, there is nothing they can do even though they have eyes and can see I didn't intentionally or even unintentionally miss a payment. 

Now I will have a missed payment and a reduction of my credit limit put onto my credit report which will drop my credit score by quite a bit. I've spent XXXX years building my credit so I can buy a home and now, for daring to pay early, I'm getting XXXX  by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name, Address, Phone Numbers are incorrect FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$1200.00} Date OpenedXXXX Recent Payment- Original Creditor- Details XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$580.00} Date XXXX Recent Payment- Original Creditor- Details XXXX XXXX  XXXX XXXX XXXX negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Recent Payment- Original Creditor- Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Phone Number -

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 2021-03-31 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: Cedars Business Services, LLC
State: MN

Complaint narrative:
Have disputed the collection account several times even though it is paid in full and should be taken off. It should have never been reported in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AVANTE
State: SC

Complaint narrative:
Avante is reporting a medical debt as of XX/XX/2021. I have not resided in Florida for over XXXX years. So this is not my debt or Avante is in violation of the FCRA posting an old debt as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Good Afternoon, I am filing a complaint against Navient. My student loans have fallen behind due to covid and financial difficulties. In their attempts to collect on this debt they constantly call my family, friends, references, in an attempt to both locate me and pressure me to pay money I dont have. ON XX/XX/XXXX I called them and told them specifically that they could not contact my family or friends. they had my contact information and address and knew where and how to find me. they continue to call my family leaving information that is private and personal in regards to my status with Navient and I desperately ask the CFPB to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NM

Complaint narrative:
I been affected by XXXX I loose my job and couldn't keep paying for an apartment XXXX XXXX send my info to the credit bureaus and don't want to assist me to lower my payments on that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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.
State: GA

Complaint narrative:
Equifax placed an extended fraud alert on my credit report without my permission. 

I " NEVER '' made the request for them to do so, I " NEVER : sent them a police report or any other document ( s ) stating that I was a victim of Identity theft or credit fraud. 

This is an on-going issue with Equifax! 

The last time it happen was in XX/XX/2020, and I was told by and Equifax rep that Experian told them to do it. 

These behaviors are unacceptable and i demand something be done!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I transferred a balance from XXXX active credit account to another active account to take advantage of a 0 % APR promotion on balance transfer in mid XXXX balance amount {$4000.00} from XXXX XXXX to XXXX XXXX. The balance was transferred successfully and my new XXXX score dropped XXXX points. Upon further investigation my account XXXX XXXX XXXX that had the balance transferred was incorrectly displayed due to the statement balance being generated on XX/XX/21. This occurred XX/XX/21. I have since filed XXXX disputes with the credit bureaus and spoken to a representative at XXXX. I was informed that while I had not done anything wrong there was nothing I can do to regain my original credit score and that the points might be reinstated in the future. I am planning on purchasing a vehicle soon, and was in the market for a new credit card, and my borrowing opportunities have been severely limited due to a mistake in reporting that apparently can not be resolved. I was even informed that while this is not fair the credit score benefits the lender more then anyone else, and I had no options. This is absolutely unacceptable and I request that something be done to rectify the situation. My biggest mistake was utilizing the resources that I had available to avoid any sort of interest payment by intelligently transferring my balance to a non-interest accruing location. It does not seem right or fair that I am now suffering consequences for being pro-active with my finances. I have attached screenshots showing my XXXX account at {$0.00} balance as well as a statement from XXXX. I also attached screenshots showing my XXXX XXXX taking a XXXX point plunge, and only rebounding by XXXX points.

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 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, I am a XXXX XXXX XXXX. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Bank of America. Bank of America has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Bank of America. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a XXXX XXXX XXXX. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : XXXX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number not available

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 2021-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I received payoff statement. Document was signed and returned. The final payment was made by wire transfer. I was told once received it would take 48 hours to process. 
XX/XX/XXXX I called to verify document and payment were received. After being transferred form XXXX to XXXX and back to XXXX I was told the documents and payment have been received. I asked for confirmation in writing all docs/payment were received and the account will be closed. At this point i was told they could not supply this notice and it will take 30 days for a notice to be available.

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
on XX/XX/2021 I requested to be part of the consumer assistance program offered by the Apple card which suspends interest payments while you are in the program. 

In writing XXXX XXXX informed me that I was not eligible for this program due to the fact that I was not currently being charged any interest. 

XXXX XXXX then charged me interest for the month of XXXX, after stating there would be no interest charges due. This was in writing. 

I contacted the a representative of the company by phone, on XX/XX/XXXX, who then reversed the majority of the charges after speaking to them on a recorded line. 

After reversing the charges, XXXX XXXX then put the interest back to on the card where even if I paid 100 % of my balance by the due date they would charge me {$33.00} in past interest from the month of XXXX. 

This is fraud. 

I have attempted multiple times to get this resolved with the company and they have refused. I am being fraudulently charged interest on a balance that stated there was no interest due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been a target of identity theft and accounts were opened without my knowledge and On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were opened fraudulently are associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items was not opened by me and is affecting my ability to build my credit and is hindering my ability to progress in life during these trying times I have been fighting hard to have my credit and good name restored but experian is refusing to remove these items, these negative accounts do not belong to me as its been well over 60 days plenty of time for the company to correctly investigate and remove and delete these items Ive spoken to the companies reporting and no one has helped me in my quest associated with those personal information that did not belong to me in the first place.

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 2021-03-31 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have disputed an unauthorized charge with my credit card company multiple times, and the dispute has been denied. 

The charge in question is dated XX/XX/2020, in the amount of {$1900.00}, to XXXX XXXX XXXX XXXX XXXX. 

As I previously reported when I initially disputed this charge, I did not make this charge and did not authorize anyone else to use my card or make this charge. Additionally, the referenced vendor is unknown to me, and I did not receive any benefit as a result of the charge. 

I received a text message alert concerning the charge, while at work, on the day of the charge in question. When I contacted my credit card company, I was informed that I could not dispute the charge until it had posted to the account. After the charge posted, I promptly disputed it. Following a period of presumed investigation, my dispute was summarily denied. 

The credit card company explained that because the card is EMV chip enabled, there exists no other explanation than that I or someone with my authorization was present and made the transaction using a chip card reader. I have not been able to review the records the credit card company interprets to indicate this, but I do have my own evidence and testimony to demonstrate that the card was not used by me or any other authorized party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I have not resided in Florida for over 3 years. This bill has a open date of XX/XX/2021. This is not my debt or this agency is in violation of the FCRA by posting old information as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Where do I even begin with this process, my new servicer Mr. Cooper just continues to give me the run around. I used to be with XXXX and I was waiting for my modification resolution before my loan got service transferred. Now I have been in limbo for months trying to find out why my lender isn't opening or finishing up this modification review. They were supposed to pick up where my last servicer left of. Every time my counselor XXXX XXXX tries to get an update they give him a different update. One week its under review and the next they said no modification is currently under process. I am afraid that I am going to get a foreclosure sale date because they have no idea what the XXXX is going on with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: NM

Complaint narrative:
Westlake financial send my debt information to my all my credit bureau I been affected by covid19 loose my job I been trying to talk to them to make a payment arrangement with lower payments to be able to make and they don't want to help me every time that I talk to them they will want me to pay a lot of money at front and also very high monthly payments that I can not afford at this time.

Company response to consumer: Closed with explanation