vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I went online to obtain my credit report from Equifax. Answered all the questions to the best of my ability ( looked up the answers to the questions asked since the questions were about lenders that were more than 5 years ago and paid off ). After answering, a message appeared that I could not get my report. I waited 24 hours tried again, the same message came up. I then called to straighten out the issue and 3 different phone representatives gave me 3 different answers and you can barely understand them due to their accent. I have now waited 48 hours and am still getting the same message of not letting me get my report. I have also tried to enroll into My Social Security and was told that Equifax is not letting me enroll. Who has so much power of my Social Security? I am hoping that my complaint will help my issue with this credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: FL

Complaint narrative:
It is extremely difficult to repair and raise your credit score when you have multiple accounts for student loans. Student loans are high, and, unfortunately, falling behind means it affects your scores dozens of times. Student loans should be consolidated to one account so that it doesn't drag your credit score down. Low credit score because of student loans are having a harsh effect on the graduates quality of life which makes it even more difficult to pay back the student loan. This complaint is a call for legislation that would consolidate an individual's student loans into one account so that their credit score isn't so harshly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: HI

Complaint narrative:
I have two hard inquires on my credit report with XXXX and Experian for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XX/XX/2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.

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 2018-12-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Over the last few months I have been receiving excessive fees for insufficient funds. A few days ago a received a total of {$200.00} worth of fees on transactions that were {$0.00}, {$1.00}, {$0.00}, {$9.00}, etc. I have a problem on how they prioritize what they process first and what they decline. All these fees were charged to my account a day before my direct deposit was supposed to go through. When I called about getting some of the fees waived. I was told since as a courtesy I received {$170.00} worth of fees credit back to my account this year they cant help me, but they havent taken to account the hundreds of dollars they have also taken away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I made a purchase via XXXX from seller XXXX XXXX, and the seller contacted me and told me the package was removed from the locker and told me they would issue a refund. That refund appeared on my account after I filed a fraud dispute for never receiving the package. Last week USAA, the bank knowing this, still went to XXXX and forced a payment from them, stole the payment, then told me they will reverse the credit because they determined it was an authorized charge. So why did they go back to XXXX and steal the money like it was not authorized and ignore the refund from the seller? They stole money and reversed my credit and told me that I have to pay it back on XX/XX/XXXX. Please make the bank give the money back to XXXX because that was fraudulent if they decided it was not fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
On Friday, XX/XX/2018, I visited Cash Store located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Telephone ( XXXX ) XXXX. I gave this company all of my personal information : bank statements, copy of blank check, copy of identification, and copy of proof of income. The clerk whose name was XXXX also had me fill out a disclosure form. However, after all that divulging and signing, XXXX declared I was not approved of the loan because my checking account has been opened for less than thirty ( 30 ) days. I asked her to shred my personal information, but she refused. XXXX claimed that they hold on to information in case they get audited.

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 2018-12-29 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: DE

Complaint narrative:
I'm filing this complaint because XXXX, Equifax and XXXX  refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my XXXX  report and there are 4 on XXXX  and 4 on Equifax. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. XXXX, Equifax and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that XXXX, Equifax and XXXX  verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: DE

Complaint narrative:
I'm filing this complaint because XXXX, XXXX and Experian refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my EXPERIAN report and there are 4 on XXXX  and 4 on XXXX. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. EXPERIAN, XXXX and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that EXPERIAN, XXXX and XXXX verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.

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 2018-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Sent in via Overnight mail on XX/XX/2018 a Guaranteed Cashier Check in the amount {$2300.00} that exactly covers the Principal and Interest of my monthly mortgage payment. Seterus did not credit my account for the principal and interest which would have satisfied my XX/XX/XXXX Due  Date. Seterus has no reason to put funds into suspense account as the {$2300.00} is the exact payment necessary to satisfy my monthly mortgage payment. Seterus is willfully trying to cause my payments to be late by not applying funds and in addition not accepting two previous payments that had been made on XX/XX/XXXX and XX/XX/XXXX. This prompted me to make this payment via cashier check which should have guaranteed my monthly Principal and Interest to be credited toward my mortgage.

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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
{$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
My car was repossessed by American Honda Finance on XX/XX/2018. I was never given a notice of sale. This violates my consumer rights, California Penal Code 1812.2 ( state car was repossessed ) and XXXX XXXX ( state where I reside ). I updated all contact information with XXXX on XX/XX/2018, well over a month before Honda sold the car. His phone number is ( XXXX ) XXXX. This information can be verified via my account notations. I was never given the option to redeem the vehicle, nor was I afforded the opportunity to attend the auction as no notice was sent to my current address. Suspiciously, after the vehicle was sold, Honda was able to send the deficiency bill to my current address ( on file ) - I will attach a copy of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc.
State: NY

Complaint narrative:
I woke up to check my payroll card and it had XXXX dollars on it. I called to find out how when I just had XXXX $ on it before I went to sleep and I was told it was a transaction at XXXX XXXX from XXXX XXXX. The name of my card is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX I called Capital one to verified I can make a payment using a prepaid debit card. I was told by the representative as long as there was an account number and routing number I would be able to use the card. The next day XX/XX/XXXX I called Capital one back to make a payment. The representative verified while on the phone with a XXXX banking rep, my account number, the routing number and clearance of the total payment. 

On XX/XX/XXXX I find out the payment has been returned. I first called XXXX to find out what happened and they told me the payment never came through. I then called Capital one and the rep. tell me she was not sure why the payment was returned. I then proceed to make the same payment using a different bank account. That payment was cleared the next day so I didn't think too much about it, just thought I couldn't use a prepaid card anymore. 
The day after XXXX I went to use my card and find out it had been closed. After talking to countless representative on serval different occasion. After hours on the phone trying to get this resolved, I finally get an account manger who tell me that they gave them the wrong routing number. The number that was giving was the number to process deposit to the card and not make withdrawals. I do not work for Capital One nor do I work for XXXX XXXX. This is not my fault. I had no ideal there are two different routing number for prepaid cards.

The rep stated that she would request that the card be reopened but there are no guarantees. This could take up to three weeks to process. This is unacceptable. I have had this card for over a year I use it to help with credit building and to help me in between paychecks. Me and my family depended on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Suntrust bank continues to assess overdraft charges while my account is still positive. Their explanation continues to be that my balance on online banking is not the correct balance, that I am not able to see the actual balance. This last time they charged me {$140.00} in fees before my account ever became negative, {$36.00} each time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29 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: TX

Complaint narrative:
I have sent repeated letters to Experian in regards to the compliance of an how an Inquiry has been reported on my credit report. The Inquiry is listed as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they informed me via letter that they do not grant loans or accept credit applications. I then send a demand for immediate removal letter to Experian to remove the inaccurate inquiry. I have sent them several letters demonstrating the REQUISITE LEVEL OF PROOF from XXXX XXXX XXXX that the inquiry listed is reporting inaccurately and non compliant.

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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: American First Finance, Inc.
State: FL

Complaint narrative:
After cancelling autopay with American First Finance they are still withdrawing money out of my account. When theres no money to cover the amount their trying to pull, I get charged with an overdraft fee. Ive spoke with American First Finance and they refuse to refund the money even though Ive cancelled autopay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
DIVERSIFIED ADJUSTMENT sent me a letter informing me of a debt that I don't owe so I responded saying this is not my debt and do not report to the CRA 's. They sent my a bill and then reported to the CRA 's. I ask them to remove it from the cra 's and send me a copy of their business license to operate in the state of ILLINOIS I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
RE : Synchrony Financial Pay Pal Mastercard account # XXXX Dear CFPB and Synchrony Bank/Paypal Mastercard : On XX/XX/XXXX I applied for a paypal extras mastercard and was approved for {$300.00} dollar credit line, the inquiry was pulled from XXXX XXXX. On XX/XX/XXXX I had another hard inquiry from Synchrony Financial, the inquiry listed as Synchrony XXXX XXXX XXXX, XXXX, GA XXXX. I called XXXX XXXX and the number listed on my credit report to report the additional inquiry. 

On XX/XX/XXXX I called Paypal Mastercard to inform them I had never received the paypals extra mastercard, upon speaking with the individual from the fraud dept she had put a restriction on my account, I then spoke with another individual who proceeded with a phone call back verification number that I received, however, the representative said they where unable to proceed with verification because of my internet/phone, and said I will be receiving a letter with the instructions on how to proceed with identity verifications. I called XX/XX/XXXX and spoke with XXXX phone number XXXX to obtain more information on what had occurred, and was told to wait 7-10 days until I received the letter with the credit card.

At this time, I have written this complaint because I believe either the credit agency XXXX  and XXXX failed to provide accurate information to Synchrony to verify my identity. The issue remains, I had never received my card and they placed restrictions on my account, and I have still not received an adequate explanation from Synchrony on what had transpired between my application and verifications.

I am asking the CFPB to send my complaint to Synchrony Bank/ Financial and XXXX  and XXXX  as these are the credit agencies responsible for failing to maintain accurate information. 


Sincerely, 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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX contacted me and told me that USAA forced them to pay XXXX to them in a fraud dispute that I made for never receiving a package. XXXX contacted the seller 3 times asking them to send me my package or issue a refund. XXXX never issued a refund knowing that I never received the package. My bank However USAA canceled the dispute saying I didnt have a fraud dispute because it was a knowing authorization. So why did USAA fraudulently collect money from XXXX anayway? This stopped me from getting a refund from XXXX and the bank knowingly stole my refund and then cancelled the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation