vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover has colluded with XXXX to defraud me of {$310.00} for an item that I returned for a full refund to XXXX on XX/XX/20. I submitted proof form XXXX that the item was signed for and delivered on XX/XX/20. I was never refunded by XXXX and Discover has continually failed to fairly and correctly rule in favor for my dispute. I submitted 10+ documents as proof that the item was returned and that XXXX never refunded me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2020 I XXXX XXXX and XXXX XXXX XXXX made a money wire transferred to my mortgage with Wells Fargo. Since there had been prior communication with the bank it was agreed that the {$25000.00} dollar wire will be applied to the principal only. As a result, the debt successfully dropped from {$89000.00} to {$63000.00}. 

Since XX/XX/2020 the loan maturity date has not changed. It continues to be for year XXXX. The mortgage monthly payments are not lower either since the money wire on XX/XX/2020. 

We the customers have questioned Wells Fargo via email on XX/XX/2020 and on XX/XX/2020 and both occasions Wells Fargo has written back with the same excuse. The bank has provided the address of the investors to my mortgage in New York. Wells Fargo has failed to disclose the investor 's names or even worst ATTEMPT to be a liaison between the investors and us the clients. Wells Fargo has shown NO ethical duty to order the " investors '' as described by them to review and provide a new and accurate maturity loan date. 

Furthermore, this should be violation since our mortgage interests are been computed on the old maturity date ( XXXX ) and not on a newer maturity date. 

Wire sent to : Bank Name : Wells Fargo, N.A. 

ABA Number : XXXX Account Number : XXXX Credit Account Name : 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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I file a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation reports.

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I opened a card with Victorias Secret for a {$7.00} purchase, they explained that I would receive the credit card and could pay the bill with that card number. When the bill arrived, there was no way to pay it without the card number. I checked time and time again for the card so I could pay the bill but I moved for college and stopped receiving the mail. I didnt realize the issue until my credit score tanked, which is when I immediately called and paid my bill. Im 21 and had an excellent credit score until this billing issue. I have never paid my rent late or missed another bill, I am a good bill payer and expect to buy a house in the next 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: IL

Complaint narrative:
XXXX XXXX I was notified that i had an open account with XXXX  XXXX XXXX  that had let payments on it. The account was open XX/XX/XXXX. The credit limit on the account was {$400.00} dollars. and it was charged for XXXX dollars. I never opened the account with XXXX  XXXX XXXX. I have reached out to XXXX  XXXX XXXX  multiple times to get the account removed. no luck still

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 2021-03-16 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: IL

Complaint narrative:
XXXX XXXX I was notified that i had an open account with XXXX  XXXX XXXX  that had let payments on it. The account was open XX/XX/XXXX. The credit limit on the account was {$400.00} dollars. and it was charged for XXXX dollars. I never opened the account with XXXX  XXXX XXXX. I have reached out to XXXX  XXXX XXXX  multiple times to get the account removed. no luck still

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed my credit file and saw errors. I contacted Transunion via phone and certified mail dating back to XX/XX/2021 and have not gotten anywhere. They have placed this negative account on my file with no verification provided to me. It is in accurate and needs to be permanently deleted now as this is damaging to my attempts for employment and home ownership, and with this negative info on my report. It had cause me to be denied fir my home loan and employment.

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 2021-03-16 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed a charge XX/XX/XXXX and was told it would take 30 days. It was for XXXX dollars. Made in XX/XX/XXXX. 
I took a pair of frames to an eye care place. They didnt put the right lenses in the frames, refused to fix it when I told them when I picked up the glasses,, then lied to me and told me they put in a product that they didnt even put in the lenses. I need to have glasses for driving and have an extreme sun sensitivity which is why I wanted the dark dark transitions made for driving to start. This is not what I got and the prescription wasnt even done right. One lense was blurry the other side was magnified more than the prescription The merchant refuse to email me back or fix it when I told them when I picks the lenses up. The frames I owned prior. 
I emailed the merchant and called several times and kept getting the run around and they refused to refund my money I filed a dispute with sun trust XX/XX/XXXX and was told it would take 30 days. They did not even give me a credit as is usual policy. Its been past 30 days and I am asking for the bank to release the funds so I can go somewhere else and get new lenses. The right ones

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I received a response on a previous complaint about this company. In the response a bill was attached, however, I sent a validation letter to this company on XX/XX/2021 by certified mail. In this letter, I ask the company to validate this debt by sending me a copy of a signed contract. Also in this letter, I ask that no information be reported to the credit bureaus. The validation letter was received by the company on XX/XX/2021. I just reviewed my credit information and I see that this company updated information on my credit file on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neat Capital Inc.
State: CA

Complaint narrative:
I applied for a refinance with XXXX XXXX ( who is now rebranding to become XXXX XXXX ) back in XX/XX/2020 for a simple refinance. I was told multiple times that my loan had been approved and was being sent to underwriters for closing, and then I wouldn't hear anything for weeks or months. They'd come back and ask for additional documentation, and we went back and forth in this way probably close to XXXX dozen times, resulting in them pulling hard hits on my credit score for what seemed like no avail. I never saw any documentation, and am frankly afraid that I've shared loads of my personal business with a sham company that never had any intention of granting my loan. It's unclear what the problem is on the back end, because I have stellar credit and plenty of cash, and the property I'm working with is low-risk in a safe neighborhood. I'd appreciate an investigation, because as I scour the internet, I'm seeing multiple accounts of the same situation - people are being led through a " simple '' refinance application and then left hanging to dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Reached to NATIONAL CREDIT SYSTEMS ( certified mail ) to request debt validation. I was sent an generic incomplete document. I responded back and asked for documents and contracts because the information sent was insufficient. They then sent me the SAME letter as 'proof. ' I sent another follow letter asking for the same criteria but they never responded. They never completed my debt validation request. They actually ignored my letter. NATIONAL CREDIT SYSTEMS violated my consumer rights and never validated the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit reporting bureau regarding inaccurate and unknown items I discovered on my credit report. As of today, XX/XX/2021 ( 50 days later ), I have yet to receive a response. At this point, I am starting to feel as if my concerns and requests relating to these items are being ignored. As mandated by federal law, failure to investigate disputed items within 30 days results in the immediate removal of those things from my credit report. Since it has been 50 days, they should be deleted promptly. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CT

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: WA

Complaint narrative:
This is my second complaint about this issue, as it was assumed a third party submitted the complaint, but that is false as it was me. The complaint ID for my previous complaint is : XXXX. As a response, I've attached a new document, " Demand of Removal ( Attached ) '' confirming that I am not a third party and it is I the consumer submitting the complaint. I've also attached the previous documents I attached. 

I will repeat the problem below : I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Experian, which is a violation to my rights to privacy as a consumer. Furthermore, Experian exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute letter to XXXX and TransUnion on XXXX disputing the information listed in my credit report. It has been well over 30 days and I have yet to hear from either Bureau agreeing to remove this information off of my credit report. I then sent a second letter Demand to Comply Certified to respond and remove because of the 30 days.

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 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 I went to the pediatric clinic XXXX XXXX XXXX XXXX for problems with XXXX. I was waiting for my XXXX XXXX XXXX at this time. The woman that I had my first contact with told me the cost of all my attention was {$440.00} and it included all services ( test, ultrasonography, doctor ). She told me that XXXX XXXX  could pay me my money back. The doctor did not have the necessary skill even though I asked for a XXXX  she was a Family Doctor. 
Months later I received a bill for laboratory tests that I suppose I had paid for. My husband went to the clinic, and they said that they can not fix the problem, so now I have a debt collection about that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I applied for a loan online, the company lending point said my credit score was XXXX using XXXX. I know for a fact my credit score is over XXXX because I just checked it. I think they are attempting to charge me a higher interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Duplicate accounts on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI Bank has paid us a promotional cash bonus of {$700.00} in 2020. At the time, CITI Bank stated that this payment of {$700.00} will be reported to IRS as either XXXX or XXXX. 
However, CITI Bank never sent us a copy of the XXXX form they filed with the IRS. After repeated requests, CITI Bank still failed to send us a copy, delaying the filing of our tax return.

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Today I call in to make a payment for {$1000.00} with a representative at Capital One. I was not able to access the online website to make a payment or the app because I change my phone to XXXX with XXXX XXXX XXXX prepaid phone and representative stated that are not able to update because they need my drivers license I tried twice with two different representatives to update phone number unsuccessful. I did cancel payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$260.00} for a total of {$780.00}. All I wanted to do is pay {$1000.00} and have access to online website so I can review and know how much I need to pay to reduce the balance. I also was told that I was receiving COVID-19 extension from previous representatives and my account will be current and will not impact my credit but that was not true and the account is 123 days past due. I request that my bill be mail to me each month so I know how much I owe but no monthly statement is being mail to my home address unacceptable by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Step 1 : What is this complaint about? 
I wrote to CFPB before and below was the result. I need further assistance. 

" Navient systematically misdirected borrowers into student loan repayment and forbearance programs when they really should have been directed into the Public Service Loan Forgiveness program. As a result, the plaintiffs claim they missed out on payments that could have qualified them for public service loan forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. '' https : XXXX? XXXX This is exactly what happened to me! 

Step 2 : What type of problem are you having? 
I'm missing 5yrs worth of payments that could have been added to my PSLF. 

Step 3 : What happened? 
I was hired to work for XXXX XXXX. Between XXXX and XXXX I had asked many times if there were programs available to help me with my payments. I was told all that was available was the Student loan repayment and forbearance programs. I had advised them that it was was becoming increasingly difficult to pay in this manner since i had approx 25 loans and that this was destroying my credit having this many loans showing on my credit report. But again and again i was told there were no other programs. I asked if i could get a consolidation load for this. They said NOT to do this because it would bring me undo hardship with one lump sum and that i would lose the ability to pay off loans individually. It wasn't until approx XXXX a gentleman there had informed me that since i'm working for a hospital that i qualified for the PSLF loan. I had never heard of this before and proceeded to get more information. 

After i applied for this in approx XXXX I was only given credit from XXXX forward. I asked XXXX XXXX XXXX why i wasn't given credit starting back from XXXX. They told me because my loans weren't consolidated before that time. I told them what happened and they told me to call Navient and complain about this, so i did. They sent me a letter dated approx XXXX. 

Step 4 : What company is this complaint about? 
Navient Step 5 : Who are the people involved?

Navient and Myself

Company response to consumer: Closed with explanation