vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the XXXX XXXX XXXX has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My Name is XXXX XXXX. ( Loan Account # Ending XXXX ) I currently have a Home mortgage with TD Bank. 
Back in XX/XX/2020 They offered Forbearance plan to me by letter dated XX/XX/2020 due to Covid -19 pandemic. 
Even though on the letter it does not mention Covid-19 pandemic, I took that offer and took a break on my mortgage payment for 2 months. 
Now I am applying for a new refinance by a different lander they found out that I had a Forbearance plan in XXXX.They are asking me to get a letter from my current mortgage bank to say that the Forbearance was offered to me for Covid-19 pandemic. I called TD bank my current mortgage bank to say that it was related to Covid -19 Pandemic .They are refusing to give me that letter saying that the offer of Forbearance was related to Covid-19 pandemic. 
This is making difficult for people like me to get a better rate for refinance mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: NY

Complaint narrative:
On XX/XX/2021 I was denied for an extension of credit and discriminated against by Global LendiXXXX services. I received no benefit from this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX / {$1000.00} XXXX XXXX/ XXXX / {$0.00} XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX  XXXXXXXX XXXX/ XXXX / {$440.00} XXXX XXXX / XXXX / {$2900.00} XXXX XXXX XXXX/ XXXX / {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX  has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX XXXX  has reported me XXXX times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX NOR XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX bank has reported me five times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed XXXX XXXXo assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased an item ( order # XXXX ) from Kohls XXXX XXXX. Amount is {$9.00}. This is on XXXX Statement. I did not return that item at all. But in XXXX statement, I see a return on XX/XX/XXXX for - {$9.00}. I see a duplicate transaction of {$9.00} again for order # XXXX on XX/XX/XXXX. on XX/XX/XXXX I see PURCHASE XXXX XXXX STORE for {$9.00}. I paid the amount of {$9.00} for my genuine purchase on XX/XX/XXXX. I disputed with Kohls on XXXX XXXX about this but no action has been taken till now. I contacted again today ( XX/XX/XXXX ) and they said that disputed is not resolved and we are submitting another dispute. I have wasted at least XXXX hours of time talking to them about this simple issue. Worst part is they have added interest and late fee in XXXX statement and the amount due is now {$10.00} which I did not owe at all. I'm worried it is going to affect my XXXX XXXX. 

Kohls customer care is literally AWFUL!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
LINCOLN TECH XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have gotten two students loans in the past from two school, one I graduated for the amount of {$20000.00} from XXXX. My school closed after one year. I was making payments to Navient. I got another student loans went to XXXX school from XXXX to XXXX, but I did not finished for the amount of {$16000.00}. I started paying that as well each month. Navient later offered income driven payment as my monthly payment was very high and I could not pay. I was making payments, Total amount in the system at Navient shown I owe total of {$33000.00}. I kept making payments under income driven payment. Pandemic showed up, I was in forbearance, I still decided to pay at least {$50.00} since then. Here we go recently Navient changed to XXXX XXXX, I made copies of all my loans before they transfer. I had one student loan from XXXXXXXX XXXX XXXXXXXX college back on XXXX for the amount of {$2000.00} and that was paid fully before Navient change to XXXX XXXX 

I am now looking at Navient website and they telling me I owe them {$1400.00} something $ $ $ and the rest of my loans has been transferred to XXXX XXXX for the total of {$29000.00} something ... Before Navient change to XXXX XXXX I was told I am eligible for student forgiveness since my school closed after I graduated. I did applied for Borrower defense and sent forms to them regarding that. I can not reach out to them and nobody answer the phone, nor chat lines to see what is my status on that! I contacted Navient regarding the {$1400.00} something $ $ $ and they are telling me is a commercial loans! I never took any other loans except federal loans and I thought all my loans was what transferred to XXXX XXXX. I have balance now in Navient for {$1400.00} $ $ $ which I do not know what that is, however I made payments before transfer and I also have balance in XXXX XXXX!! Navient did not transfer this amount and telling me it's commercial loans whatever .... I do not understand what it is! They are charging me for something extra and there is no evidence of anything.. I believe they are taking advantage and now XXXX XXXX is trying to take ADVANTAGE for sure on top. So this is really confusing and nobody can explain to me why all these loans keep transferring and all these money I paid all this times, my balance never went down, except going up!!!! I need an answer. I am NOT going make any payments to NONE of these companies no more until this resolved! 

This is fraud and nobody has a good explanation. I am sure I am eligible for my loans to be cancels and it better because I am not sure what are these extra charges!! I am NOT going to pay two loan companies and apply for income base for nothing as I did paid enough to them and they owe me money now. 

Please investigate and look into this as I am sure many getting ripped off by these companies. This is fraud. 

Please Advise! 

Thanks! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I'm a female small business owner and Chase Bank is charging additional fees for any check that I write above their new minimum of 20 checks only. Chase Bank is trying to hurt small businesses by charging us extra fees for what should be part of a simple banking product. We are trying to get back on our feet through Harvey Floods and Covid. Who decides to change these policies and charge us extra fees when its a daily business necessity? I have contacted Chase twice and had these fees removed, but I was told that eventually I'll have to pay them. 

I appreciate any help you can give small business owners regarding big banking fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
On Friday XX/XX/2022, I initiated a transfer of funds out of Optum Bank. 

On Tuesday XX/XX/2022, I received an email from an Optum Bank Risk Analyst that there was an issue. I responded to the email approving the transfer. 

On Wednesday XX/XX/2022, Optum Bank reversed the transfer and locked my account. I then spent over 5 hours on the phone attempting to resolve the issue and to have the funds sent immediately as requested. However, Optum Bank advised that they are unable to do so. 

Optum Bank prevented me from accessing my money and is still in control of said funds. I am unable to access this money as requested on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The reporting of this account is in violation of the FCRA for the following reasons : 1. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. 2. ) This debit is being report as a payment. Charge- offs can not be reported as payments. 3. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my Transunion and XXXX credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX XXXXXXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the XXXX. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.

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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ data is trying to collect from me a balance owed by someone I do not even know. I asked for months for proof of debt and when it was finally received today it showed the name " XXXX XXXX '' a different unit number and different dates from when the apartment was lived in. 

I overpaid XXXX XXXX apartments and they ended up refunding me. They stated I owe them nothing, as I was overpaid when I moved out. 

XXXX XXXX XXXX were also paid in full. The apartment was in perfect condition upon move out and the dates listed on the form I was sent are not even in line with when I lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

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 2022-02-02 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, an automatic bill payment in the amount of XXXX issued thru the bank bill pay service appeared in my account and was withdrawn from the balance. On XX/XX/XXXX, the same bill payment appeared in my account which caused the account to overdraw and was charged a XXXX  fee for XXXX. This was the same payment that had posted on XX/XX/28 however the payment on XX/XX/28 disappeared. After talking to Bank of America they are refusing to refund the XXXX fee after admitting by phone on a recorded line that it was an error. This is not the only time I have seen processing errors occur but BOFA fails to make right on their mistakes.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank closed my account and took over {$5000.00} without my consent A person named XXXX from the exit Ive office and a person named XXXX assigned as case manager were involved. 
No one can explain where my money went and why

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