vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a prepaid {$25.00} XXXX XXXX bonus card in conjunction with my US Bank rewards credit card. The card says it is. {$25.00} reward card food until XX/XX/22. When I want to use the card I discover they have charged me {$6.00} in so called maintenance fees. I think this is unfair and these fees should be refunded immediately., they said it is in the terms I agreed to I got a magnifying glass and have found in very small print that they can charge this fee. The print is so small no XXXX XXXX XXXX with poor vision can read it. I have been a US Bank customer for years and I am very disappointed that this {$25.00} card thats good till XX/XX/22 has been taped for these fees

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 2022-01-13 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: CO

Complaint narrative:
- I Called Experian XXXX on XX/XX/2021 and was on a XXXX minute call to have collection and closed accounts removed from my report. 

- According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Which was not done and XXXX is in violation That was not done. I the CONSUMER/ NATURAL PERSON was denied of the removals because the agent stated she would get in trouble. However, my consumer rights were violated and federal law Trumps state law or company policy EVERYTIME. she also stated that the federal laws didn't apply to Experian. This constitutes fraud and misleading information. 

- She then proceeded to open a over the phone dispute. 

-Pursuant to 15 USC 1681i ( a ) ( 1.a ) WHILE ACCOUNTS ARE UNDER INVESTIGATION the accounts are to be deleted. Which was not done therefore Experian is in Violation under this section. 

- I received my dispute results online on XX/XX/2021. NONE of these alleged collection accounts or other alleged information I demanded to be deleted was verified, nor deleted. 

- I did not give these companies nor Experian my XXXX written consent to report anything which is also in violation of 15 USC 1681b, 15 USC 1681 ( A ) ( 2 ) ( B ) and the FCRA. I am DEMANDING this alleged information to be Deleted immediately.

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 2022-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Was given 3 student loans from sallie mae one for {$7400.00} with an interest rate of 8.375 %, the second {$26000.00} with an interest rate 6.625 % and the third for {$23000.00} at an interest rate of 12.375 % after taking a forbearance in 2012. Now the only option Navient can give me to get a lower interest rate is to have my parents refinance their home, probably so it's no longer a 'student loan ' and not their problem. I am looking for actual options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Sent a XXXX payment to my roommate but roommate didnt inform me they closed the account and wasnt able to cancel it right after i sent the money. Now wells fargo will not return my {$800.00} that is missing from my account. As i sent money via XXXX instead to my roommates new bank account. They denied the claim saying the payment was completed regardless of 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 explanation
Consumer complaint received 2022-01-13 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: NY

Complaint narrative:
After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX to Capital One is paid and closed. Capital is refusing to remove this item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.

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 2022-01-14 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: IL

Complaint narrative:
On XX/XX/XXXX I certified mailed a clear and legible notarized FTC Identity Theft Report to Equifax. Along with clear and legible copies of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Equifax received it on XXXX XXXX. I called Equifax on XX/XX/XXXX I was told that the documents weren't clear or able to be read. And that I needed to re-submit them. I was given a fax number to resubmit the documents. I filed two new FTC Identity Theft reports to make sure they were legible, clear and that every box was filled in. I then faxed all of my documents to XXXX. I received a confirmation that Equifax received the fax on XX/XX/XXXX. I called today and spoke with a representative from Equifax by the name of XXXX. He said the system couldn't authenticate me. I asked to speak with a supervisor. I was transfered to XXXX XXXX He said his ID # is XXXX. He and XXXX both initially said they couldn't see my documents. But that they were not legible again. I said that is not possible. He then said Oh now I can see them. Yes they are not clear. They have a XXXX spot on them and are blurry. So he said for me to send my documents in again. And a letter requesting to be authenticated. I AM SOOOO UPSET. Equifax is playing games and violating laws. They received clear legible documents. I will attach the documents that I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I, XXXX XXXX, entered into a credit consumer contract with Bank of America. They have not done the proper investigation requested. They have violated several of my consumer rights. This has seriously hurt me as a consumer, and has caused a lot of stress. This alleged debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.

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 2022-01-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I disputed this alleged account and requested through the credit reporting agencies that the accuracy of this account be verified and that documents on file be mailed to me to show detailed billing and contractual obligation to pay the alleged debt. The following letters were sent to XXXX, XXXX and XXXX which did not deny liability, but requested 100 % accuracy in reporting and verification of the alleged debt and documents used to verify the debt to be sent to my address for review : Letter 1 sent on XX/XX/21 Letter 2 sent on XX/XX/21 Letter 3 sent on XX/XX/21 Letter 4 sent on XX/XX/21 As of the date of this complaint, I have not received documents to satisfy my request. Please note that I never denied the ownership of the account, I requested the account be reported 100 % accurate. I do not recall spending XXXX. I believe I have a right to review the charges on the account before agreeing to pay the amount you allege, I owe. 
Since I never received billing statements, I am requesting all statements to show how the alleged balance was calculated. Please send them to my address above. I want to see all charges on the account to arrive at the sum of XXXX. 
Send me all statements from when the account was opened along with any applications and contracts completed to open the account bearing my signature and opening dates, where the account was opened ( if opened at a branch, provide the location ), and any other information that was supplied to open and use this account. Since you are reporting the account as charged-off, send me a notarized statement that the debt was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.

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 2022-01-14 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section XXXX ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXX have got in 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 2022-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
I contracted with XXXX XXXX XXXX XXXX XXXX installation company ) on XXXX to have XXXX XXXX put on my house. They said in XXXX months, I'd have XXXX XXXX installed and they wouldn't charge me till the day they drove up in my driveway to install the solar panels. 

I discovered that there is already a 2nd lien on my house from Mosaic XXXXXXXX XXXX that has been in place for 3 months now. I called yesterday to Mosaic XXXX XXXX to complain that the solar panels are not installed yet and its been more than twice as long as I was told. I said I wanted to cancel my contract, as there is no product to be billed for. 

I also called XXXX XXXX and told them the same. They said I had to talk with my sales rep, XXXX XXXX first. I called him and told him the same. He tried to get me to go ahead with the solar project. I said no means no. He said I had to talk with his regional manager, XXXX, with XXXX XXXX. I spoke with XXXX and the same thing happened when I told XXXX I am cancelling my contract. XXXX tried to schedule me a date to come put solar panels on my roof. No means no. They haven't been in contact with me for 7 months. They installed a XXXX on my house with no merchandise to show for it. I said no means no and cancel my contract means cancel my contract. 

XXXX XXXX XXXX ( almost 7 months later ), I have received an email bill for my first payment with no solar panels on my house after I cancelled my contract. I'm pretty sure this is illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
My debt is almost XXXX I contacted kyhigher education to try to get my monthly amount lowered because I can't get deferred they won't let me. My monthly amount right now is XXXX $ I can't afford that on what I make and I've tried several times to address this issue with them and they tell me they can't help me lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC
State: TN

Complaint narrative:
Each credit bureaus are showing several inaccurate information, one credit has even falsify the payment history. I have mailed a certified letter asking to validate the account but the letter was returned to me but I got letters saying that it was validate and if I had any additional question reach out to the company. The same address I used for the certified letter is the same address that was given to me. I have also submitted the tracking information but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: OH

Complaint narrative:
My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX  XXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was hospitalized for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXX  XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!

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 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Scammer contacted me by email about a job opportunity as a personal assistant/payroll clerk. I accepted and for the first assignment, he wanted me to deposit a check that he sent me through mail that contained {$3800.00}. I deposited in my bank account and he wanted me to withdraw it in the form of a cashier 's check to transfer it to a XXXX XXXX account that he gave me. He said he was going to pay me for doing the job but instead, the next day the check that I deposited came back as fake and I had to pay {$3800.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have demanded a cease and desist to these debt collectors and I also demanded this consumer reporting agency to cease reporting pursuant to federal law 15 usc 1692c ( c ) they are also in violation if they continue reporting negative, inaccurate accounts to my report. This reporting agency does not have permissible purpose to report this information pursuant to 15 usc 1681b.

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