vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: Conn's, Inc.
State: NC

Complaint narrative:
I opened an account with XXXX 's and my payments started sometime around XX/XX/2021. I paid approx {$58.00} every month and sometimes a month in advance of my next payment, yet they claim that I missed a payment by 30 days because I paid XX/XX/2021 in XX/XX/2021 and are showing that I was 30 days late in XX/XX/2021. 

I've attached a screenshot of my payment history and believe this is just a clerical error in their systems and they are probably not used to having a person pay 2x in a single month, but either way, I'd like the 30 days past due removed from my credit reports. 

XX/XX/2021 - showing 30 days late/past due on all credit reports. 

Payments made in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX 

During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. 

XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). 

-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. 

-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. 

After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). 

I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. 

As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. 

-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 my parents wrote me a check for {$2000.00}, I submitted the check via mobile deposit. XX/XX/XXXX Citi bank froze my funds without notice, I called in to see exactly what was happening when I was informed they believed the check was fraudulent and would be closing my account. I was told it would take 30-60 business days before the account is closed and any funds would be sent out to me after pleading my case and explaining to them the check was written y my dad and that I could have him verify his check with his bank I was told that would be satisfactory and I could then appeal the decision, after my dad spoke with his bank they informed him nothing was wrong with the check and no reports of fraud were sent or received, I called Citi bank back informed them of this and the rep continued to speak over me as much as possible and just hung up the phone on me.

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I contacted the bank on several occasions to dispute fraudulent withdrawals and debit card transactions. 

They are the following : XX/XX/2021 {$290.00} XXXX XX/XX/2021 {$500.00} XXXX XX/XX/2021 {$840.00} XXXX XXXX XXXX All 3 transactions are fraudulent and the bank is refusing to put the money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Citibank, XXXX, XXXX South Corporate Place, XXXX XXXX XXXX SD XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALISXXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Citibank On XXXX applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Citibank has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Citibank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.

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 2022-02-11 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: ND

Complaint narrative:
Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.

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 2022-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Loan from Barclays Personal Loan XX/XX/XXXX Paid the loan off in advance of schedule Final payment was made, however Barclay still took auto-payment from my bank in the amount of {$900.00}, leaving me with a credit balance on XX/XX/XXXX I have called at a minimum of 2X per month in resolving my refund check. Have been told multiply times this has been escalated to the refund department with a manager call back. Today almost a year later, no refund or call back from manager.

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 2022-02-11 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: ND

Complaint narrative:
Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.

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 2022-02-11 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: ND

Complaint narrative:
Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive made over 30 disputes since I was targeted a victim of identity theft. All of which have returned as updated and not taking any action against. I have sent and faxed over reports from the FTC and Police Department to EQuifax regarding fraudulently established accounts. 

However that is a separate complaint that I am awaiting feedback. 

This complaint is because I am unable to access my credit report. 

When I go to navigate within EQuifax it does not populate anything regarding my credit report. 

The last update on my credit score was XX/XX/2021 In compliance to every consumer protection law and by those governed by the FCRA everything on my credit report must show verifiable accurate and truthful. 

This is in violation of that not to mention accounts and inquiries that were fraudulently establish still being left on my report. 

I have taken screenshots and uploaded them so that it will be proof that they have blocked my credit report for for promotional reasons as stated. 

Ive made several phone calls faxed over several documentations since my mobility issue and recent XXXX XXXX. 

Customer service has mopped me has hung up on me I have experience very unprofessional feedback from those even in the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Two deposits went in to Arvest Bank account in Missouri I closed the account at branch on XXXX XXXX  in XXXX do to 1000 dollars un accounted for missing and two weeks later I went to desput the 1000 at branch on prospect and account was opened still with XXXX $ was there And I snapped on them two days in a row and they closed the doors on me not giving me the proper paperwork to despute any false transactions I had to go to branch on XXXX XXXX XXXX mo.to get proper paperwork and that was a moth later and they showed me more new information bottom line the bank said I was right about me not writing checks and taking out money but it was past the time frame to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TX

Complaint narrative:
FCRA violations never late : XXXX XXXX XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: AES/PHEAA
State: SC

Complaint narrative:
XXXX, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for Fedloan servicing. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
FCRA violations never late : ALLY FINANCIAL XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this

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 2022-02-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
NEW INFORMATION, Experian took more than 30 days to investigate this notice and over 3 attempts. They BROKE THE LAW!

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could this be discrimination when I have disputed this fraudulent account XXXX XXXX XXXX  and XXXX as well as XXXX XXXX  and the addresses associated with the accounts with the same information. And, a police report provided just like my husband did as XXXX is listed as a joint account. His was removed from all 3 bureaus and mine remains on XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: SC

Complaint narrative:
XXXX, XXXX, and TransUnion all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.

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 2022-02-11 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: SC

Complaint narrative:
XXXX, Equifax, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only XXXX is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: SC

Complaint narrative:
Experian, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
Loan Servicer, BSI Financial, has failed to reimburse the borrower for insurance premium paid out of pocket due to disbursement sent by the servicer not being received by the recipient timely. Failure to pay the insurance premium risked cancelation and lapse in coverage. I have made several phone calls, and 5 emails, and do not receive any response, except for an auto reply that they are working on the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint without any influence from any third party or agency. Please see the attached documents as it contains my requests/demands on the conditional acceptance letter, complaints on Affidavit of truth, Affidavit of mailing, Avant 's letter, and proof of delivery of all items via XXXX tracking XXXX I participated in a consumer credit transaction, using my credit card ( social security card ) to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I received an email from Santander Bank advising me that my " 1099 INT Tax Form for XXXX is now available for viewing. '' I attempted to log onto the Santander Bank website to access the form, but I was unable to do so. In XXXX, I closed my account. Despite the representation that I could " access '' my tax form, which was " now available '' and " now ready, '' I could not log in. I called Santander Bank 's customer service and spent 10 minutes on the phone to attempt to access my account or the 1099-INT form that was " now available, '' but the representative simply advised me that I would receive it in the mail by XX/XX/XXXX. I repeatedly asked why Santander sent me an email telling me that my tax form was " now available '' and that I could " access '' it, but I did not receive an answer. The representative conceded that the form was " not available '' for me, despite the communication to the contrary.

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 2022-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been making additional payments on my loan, above and beyond my minimum monthly payment. I have requested these payments go toward my principle balance only in order to reasonably get out of my own debt quicker. However, the company informed me that Unfortunately as outlined in your promissory notes we must first apply payments to accrued interest, then to any fees ( if applicable ), and finally, to the principal, your daily interest accrual is {$4.00}. 

I do not doubt that this statement is correct. However, I believe this practice and policy directly violates my rights. Here is a relevant quote from the Consumer Finance website : All student loan borrowers have the right to make extra payments ( known as prepayments ) at any time, without any fees or penalties. If you can afford it, paying a little extra each month or making a lump sum payment towards your principal is a great way to lower the total cost of your loan. Not only do you pay down your debt faster, but you save money on interest charges over time. 

This company is denying me the right to do just so.

Company response to consumer: Closed with explanation