vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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 XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: WI

Complaint narrative:
The loan with Mosaic was arranged by a company that installed solar panels on the roof of my home. Payments on the loan began onXX/XX/XXXX21 and are due the first of each month. I track the payments and daily interest in a spreadsheet and an amortization schedule spreadsheet. ( The loan is in my wife 's name but during the call referenced in paragraph 4, she gave permission for me to discuss the account ) In addition to the monthly payments, i made one additional payment in XXXX and two additional payments in XXXX. The effects were expected as the daily interest gradually went down - the differences in the interest and principal from the Mosaic website and my own tracking methods was negligible. 

With the XX/XX/2021 payment, however, the numbers were drastically different. I was expecting about a {$30.00} in interest at about {$4.00} daily interest from a payment that processed XX/XX/XXXX to XX/XX/XXXX. Instead I was charged {$48.00} in interest. 

I did call a customer service number and left my information and a message on the situation - rather than waiting for a response, i called again during business hours. The customer service representative ( XXXX, who was friendly/professional ) noted the current daily finance charge was {$4.00} ( close to what i have in my amortization schedule ) but she said that the interest charged on XX/XX/XXXX was for 11 days. 

By my calculation, XX/XX/XXXX to XX/XX/XXXX is 7 days. I am not sure if it is legal but it would certainly seem unethical to add days to a month. If each month is a set number of days in their calculations it would seem they should have a monthly interest charge rather than their daily finance charge. I am glad I have been tracking the payments and I caught this early in the loan so that ( hopefully ) i can prevent years and years of continued ripoffs by this unscrupulous company. 

The Mosaic rep is running a report to see how the interest was calculated the way it was. 

I encourage the good folks at the CFPB to look into this company to see if there is a history of ripping people off with excessive interest and finance charges. Please do not hesitate to contact me for additional information. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CT

Complaint narrative:
I made two recent online payments total amount of {$1200.00} same way always make my payments for the past 10 years. The two payments that I made were made under the impression that the payments were going to be successful as they always are. And if there has ever been in issue in the past I always as a loyal consumer always makes my payments. I then realize that the payments that were made to Capitol One Credit Card never posted to my bank checking account. I then logged onto my online account and notice the two payments were returned. I then contacted Capitol One Credit @ XXXX @ XXXX to inquire what was going on with my account. The rep XXXX states there may be an ach hold on my bank account and to contact my bank to check. She also stated that the account wasnt closed it was open and just go online to make a payment on my account once I find out whats going on. I then contacted my bank immediately to inquire if there were any issues with my account such as fraud or holds for some that I wasnt aware of. The bank stated everything was good on their end and my account was ok. I also never also received any documentation via mail the same way I did receive a letter via mail stating my account was closed which was devastating because I had this account for 10 years and this will affect my credit. Thats something that I dont want. I worked very hard to be where I am and this type of discrimination towards me is not going to be accepted. I also gave the bank authorization to speak to Capital One in regards to this issue. They had call records and documentation that I called in regarding this matter. This was definitely not intentional in the way that Capital One Representative see it as. This was an honest mistake and my account shouldnt be closed. It should be reopened as I have done what I was informed to do to reopen my account which is making the payment in the amount of {$1200.00} which cleared, sending a copy of my bank statement to show that the numbers ( last 4 ) were similar and thats the account number that should have been on my account. Which has now been removed. Ive never been late on my card in the past 10 years which I did check my credit report regarding this matter and I have proof of that. I also looked at my statements for as long as Ive had this account and Ive always paid my bill no matter what. Im requesting that my credit card be reopened immediately as I was informed by the representative manager XXXX. In addition I was informed by XXXX Representative that was account was ok and not closed. It should have never closed to begin with. Please rectify this immediately. I hope we can avoid this being escalated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XXXX XXXX XXXX Complaint Case Number XXXX I hold a deposit account with Wells Fargo Bank, No.XXXX. Yesterday, on XX/XX/2021, I received the attached notice from Wells Fargo Bank that they decided to close my account. The bank chose without advance warning to make the balance of my account unavailable to me until XX/XX/2021. Doing this denies me my salary and, consequently, puts me in a very bad situation with regards to paying my bills and keeping myself alive. I am more than upset and angry. The balance on my account is currently {$4800.00} and I am demanding that the entire amount be made available to me so that I can move the funds to a bank that will do business with me and make my funds available at once!

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 2021-03-08 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: FL

Complaint narrative:
I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization XXXX that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I noticed in XXXX that a new collection was added to my account and dropped my credit score. I called and was told the debt was from XXXX. I explained that while I had a personal account there were two other accounts that were part of a business that I sold. 

I asked to verify the debt and they would not and could not provide it. 

I sent another request for the information via certified mail on XX/XX/2020 and never received a response from the debt collector. 

I am also filing with the SC Attorney General and the MN Attorney General. 

I have since paid the debt since I am in the process of buying a house and it was affecting my credit.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: NV

Complaint narrative:
I made a purchase in Saks Fifth Avenue with the store credit card managed by Capital One. 
I never received the package and called the store to notify them. Store promised a refund and they said that refund will be in my credit card within 7 to 10 days. Refund never came to my card. 
I called back to check the status and then I was informed that they decided not to process the refund even that they promised. 
The I called the credit card department yo open a dispute per required in Regulation E. 
I was never provided with a temporary credit even that I took more than 10 days, the credit card disputes department never investigated or provided with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: BCO Consulting Services
State: IL

Complaint narrative:
I have fallen for a student loan forgiveness scam. BCO Consulting Services called me a couple weeks ago, telling me I would be approved for student loan forgiveness. Up to {$15000.00} taken off my debt. I couldn't believe it. Their sales pitch was extremely believable and I gave them my info. Everything made sense, and all I wanted to do was get my student loan deducted as much as I could. After realizing what I did and knowing now I SHOULDN'T of done that, I called them to cancel my student loan forgiveness program before the first check was deducted. I got multiple emails that they cancelled my service, but today I got charged for the first deduction. It isn't even taken out of my XXXX account. I'm so scared, I don't have a job and I need this money refunded. Please tell me what I should do next. I am a victim of a student loan forgiveness program FRUAD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
CITI CARDS CBNA XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-03-08 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: DISCOVER BANK
State: NC

Complaint narrative:
DISCOVER FINANCIAL SER, XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
As I stated earlier Macy 's is lying about sending me mail to notify my of late fees. While my address was new and the new address was not on file my old address did have a forwarding address where mail could be sent to. I did in fact get one mail to that address on the month of XXXX. That mail was notifying me of the account closure. Prior to that I never received mail in XXXX, XXXX nor XXXX notifying me of any late payments. After trying to pay over the phone the agent hung up on me after an hour long hold before I could pay off the card. So the following week I went into the store to try and pay off the card and make another purchase. I was under the impression that the card had already been paid off. Macy 's deliberately withheld statements from me notifying me of late payments and did not allow me to pay on time. This is a billing dispute and bank error despite what Macy 's credit card wants to believe. According to https : XXXX XXXX  " Types of Billing Errors '' the company failed to mail you a periodic statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 ExperianXXXX  have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent Experian/TXXXX  the request for removal and that they have failed to act. This item is still being reported.

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 2021-03-08 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: CA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: MD

Complaint narrative:
I originally had my own apartment at XXXX XXXX in XXXX, FLXXXX, and I was required to put a Security Deposit for my first year there in XXXX. I then upgraded to a three bedroom in XXXX, and got a roommate. My Security Deposit was moved to the new apartment account, and no additional funds were required. I found myself and my son in harms way about 9 months into the shared apartment. I notified the Office about my concerns, and I let them know that I was not going to renew my lease with them. I was forced to move out early, because the Office was not going to step up to help my son and I in the unsafe roommate situation. The Office had my parents address for any correspondence that was related to my not renewing my lease and Deposit return. It wasnt until 4 months later that I found out that the Office had placed my account in collections and kept all of my Deposit money. I never received anything by mail in reference to how much and why my Security Deposit was retained in full. This is not a debt I owe, and I deserve my Security Deposit back. It needs to be removed from my Credit Reports as well. Thank you in advance for your assistance with my request!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX canceled our internet while we were in the process of moving because the new owners of the house had requested their internet. On their end somewhere timelines were messed but because I called to notify them the last day we were going to be in the house. They shut off our internet and switched it to the other individuals account prior to us moving out. I spent over 8 hours dealing with this issue multiple times. Once we moved, I called XXXX to send my equipment back and she asked about my final bill. I explained to her what happened and told them that the bill was inaccurate as I was originally paying $ 60ish per month for my services and they wanted to charge me over {$140.00}. That is when she notified me that due to them creating a new account and it being within a 30 day window that their policy is, if you are not satisfied ( which I clearly was not XXXX they would cancel the service and I would not be charged. I am not wasting any more of my time on the phone with those people at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Conn's, Inc.
State: TX

Complaint narrative:
The defective item was returned in XX/XX/2018 upon an agreement that the account would be credited, thus nothing was due after that time to report late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have told Navient repeatedly to only communicate with me by email or in writing. They claim they are not a " collection agency '' and are not subject to collection agency regulations. 
They had previously called on Tuesday, XX/XX/XXXX. I told them I had made this number do not call. They said they would do so. 
On Friday, XX/XX/XXXX at XXXX XXXX., they attempted to call me. I let the call go to voicemail. No voicemail left. 
On four seperate occasions since 2017 I have written to them asking them not to contact me by phone. As you can see above they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation