vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I've had the AVANT credit card for years. The balance never goes down. My balance has been {$1000.00} and I paid {$1300.00} last year and my balance isn't changing. I've called them and they never understand because they do not speak or understand English. I'm beyond frustrated with this company. Can you please please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian : I was a victim of identity theft in XX/XX/2020. I was advised by my local police and XXXX XXXX to freeze my credit access, so no new cards could be issued. I was also advised to check my credit score with all three rating agencies, which I did. I was put into your " premium '' subscription program without my knowledge or authorization. Accordingly, I am seeking a full refund of all charges made to my debt card. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Figure Technologies, Inc
State: NJ

Complaint narrative:
When I was applying for my loan my XXXX account and XXXX XXXX  did not correctly communicate with each other. This is an issue because they offer a 0.25 % rate deduction for being on autopay and it was not showing up in my account. They told me to go through the application anyway and that once the account was opened that I could add autopay and receive the discount that way. 

Since I have had the account opened I have called their call center at least 4 times trying to receive my autopay discount and each of the first 3 times I was told it was going to be applied and still have not seen it. Additionally, this last time I called about 3 weeks ago and I asked to speak to a manager and was told it would take 10 days for them to get back to me. I still have yet to hear back from them 15+ business days later. 

I was told that I would be receiving the autopay discount and am not receiving it so I opened this account up with this company lying to me about the rate of the loan I was going to receive. Its not as if I dont have autopay initiates, I have had 2 autopays go through so far. 

I have an additional issue where they told me that my rate was going to be based off the 1 month libor rate as published in the wsj on the XXXX of that month. None of the rates I have received thus far match that rate. 

I dont really know what to do, I have tried contacting them so many times and while the people on the phone seem helpful at the time of me talking to them nothing seems to get done once I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
Situation : I commissioned into the XXXX in XXXX of 2017 and in that same month as I have now realized, a family member unknowingly utilized my personal details to create a credit card and leave a balance of {$2400.00}. In that time frame payments were being made on it but then have been stopped in recent months. I have started monitoring my credit history and report for the last 4-5 months and discovered that this credit card had been closed with a balance due to inactivity. I had remembered that this family member briefly mentioned this account after applying for it but did not know what the intentions for the card would be. I did not know whether the account was officially approved nor was there any information provided to me as to whether or not the he/she actually did apply. In the last 2 months, I have asked the bank to conduct an investigation on the fraudulent activity as it has had a negative impact on my credit history. They conducted an internal investigation which they have said can be rebutted but state the following : Since payments on the account were made and I was also an account holder on this joint account, they have concluded that it was not opened fraudulently? However, when I spoke to a representative of the bank, they stated that I would have to provide information to them prior to the investigation being closed out. BLUF, if possible, can the card be removed from my report if I unknowingly had thecard on my report? Lastly, they are requesting payment of the {$2400.00}, of which I spent {$0.00}. Additionally, I have tried to report it to the local police where my family is staying and where the incident occured but have said that they can not conduct an investigation because they can not validate my identity as I am overseas serving the military.

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 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
I got a payday loan back in XX/XX/XXXX one was on XX/XX/XXXX for {$300.00} then again a day later on XX/XX/XXXX for {$300.00} and then another one on XX/XX/XXXX for about {$250.00} one only on the first one I used to be sent to my checking account and the rest I picked up and each loan had my checking account from XXXX XXXX XXXX on file which was also the one that had been direct deposited in so it was the card I authorized to run to pay back. Well there was no way I could pay those back and made a poor discion and the fact that it's legal is beyonf me. They probably ran my debit card 25 different times and some occasions they got money and the rest been insufficient. I have gotten collections letters numerous times. On XXXX  XX/XX/XXXX they some how got my other checking account information and it said it was debit card that was charged. They ran it 3 different times for {$350.00}, {$350.00} and {$330.00}. where they got the amounts in do not know and how they got my card information I do not know but when I logged in my account they had multiple cards on file when I've only gave them one. They took over 1,000 of my unemployment  money that I have been waiting almost 2 months for. I was gon na use it to try and catch up my already behind rent. I never authorized them to use that card and they shouldn't have to right to just run it 8 months later. And give no warning or receipt or even answer me. Company 's always just XXXX me over left and right basically Rob me so I know it's along shot for anyone to help me. I'm just sick and tired of businesses making me feel so helpless because they always win. Banks can take and hold your money whenever they want and never help you and it's just okay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
some time on or about XX/XX/2018 I lost my Daddy and fall on a hardship and lost seven credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with Equifax and XXXX  and they refuse to delete for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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:
some time on or about XX/XX/2018 I lost my XXXX and fall on a hardship and lost XXXX credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX  agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with XXXX and TransUnion and they refuse to delete for my credit file.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/2020 I attempted to access my bluebird prepaid account, but was given a prompt telling me I no longer had access. Following the prompt that wouldn't allow me to enter my username and password, I called. Once I called the automated system told me my account was permanently closed and hung up. 

I immediately called again to get with a love rep and was transferred to a different department. Once transferred to that department, they refused to explain why they had closed my account. I had just received my unemployment deposit for {$1300.00} on XX/XX/2020 and had money in my account prior to the deposit. They refuse to tell me why and won't tell me how I am going to get my money from them!!! They won't answer any questions and this is during a pandemic..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: NM

Complaint narrative:
On yesterday morning, Monday, XX/XX/XXXX I foolishly responded to an email from this company that suggested they could get find me a small loan. I agreed to let them search for said loan. I ended up changing my mind halfway during the search after confirming the last XXXX digits of my social security number. 

They then proceeded to call me over and over again all that day. I wake up on Tuesday, XX/XX/XXXX and their is {$500.00} in my bank account. I go to the website where they force me to make a password and see that they are now planning to take out over {$300.00} a month from my account from XX/XX/XXXX to XX/XX/XXXX. This is insane! I did sign any documents. New Mexico requires you at least digitally enter your name as confirmation. I need help ASAP. This website will not help me. I just want them to cancel this and take their money back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have paid off my vehicle loan last month in full and Bridgecrest updated my credit report to show that it was paid in full and closed. For some reason they have decided to reopen the account and show a balance still due which has caused my credit score to tank. When I tried to submit a dispute through XXXX they have denied my request for an update saying it was being reported correctly as open and a balance due even though that is factually incorrect.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One Platinum and Capital one quicksilver charged interest on {$0.00} balance. The rep said had I paid off balance before XX/XX/2020 it would not have charged interest. I paid balance off on XX/XX/2020 10 day before the statement was even available. The amounts charged on XXXX balance were {$46.00} and {$17.00}. I have since closed my accounts because I did not want to risk being charged interest on interest charges. Both of these cards did not have a monthly or annual fee. I would just like the money back that is not legally owed to them for a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My unemployment was deposited on XX/XX/2020 and about 5 minutes after I received the email stating it was deposited into my account I tried going online to check my total balance. I was blocked from logging in and resetting my password. I called immediately and was placed on hold for two hours! I get transferred to a fraud/services department all they can tell me is that my direct deposit was returned and it was a violation of their rules and I should receive an email. I email was sent. They wont confirm that my money is safe and if everything is still in my account. I cant check my balance and every last dime I had is in that account and I have no access to it. I was told to just write their P.O. Box and wait until they respond! My son is dependent on medicine and I buy it weekly! Not having access to my account and money is detrimental for us! If something happens to my son since I cant access any of my money the. Ill be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: NJ

Complaint narrative:
i disputed a XXXX charge a while ago because as i said then i did not receive the items. I still have not. Yesterday i received a call message it was very hard to understand from a man in a heavy XXXX   accent saying that something was being disputed i should respond in 24 hours. i did not hear who what or a phone number so today i checked all my accounts and on my buy power the transaction was rebilled for XXXX i did NOT receive the items. i will not pay for it. Capital one in a one size fits all way simply rebilled it to my account. and this is wrong. please reverse. 
Since the pandemic people in this area have been reporting missing items they order perhaps there is a thief but i did not get the items and will not pay for them. I also had no opportunity to respond to the call since i could not make it out due to the accent and lack of clarity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I paid all of my debts on XX/XX/2020 and sent receipts of my debt paid and as of today-the collection agency reported on my credit report that I haven't paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Bluebird American Express suspended my account on XX/XX/2020. I recieve my unemployment and other financial deposits into this account. I have called all morning and tried to log in my account. Everytime I call they tell me my account is suspended but disconnect the call. I have children and no money to get to. Just because I have deposits coming from the government doesn't mean I do not need my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, please help me with my concern. I saw BANK OF AMERICA on my credit report and I have late payments ( XXXX 2014 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help 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 2020-05-19 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: Nelnet, Inc.
State: NC

Complaint narrative:
My federal loan servicer ( Great Lakes ) automatically enrolled my account in the CARES act, suspending my monthly student loan payments until XXXX XXXX, 2020. On XX/XX/XXXX, I noticed my credit scores with XXXX  & XXXX  both tanked by 40-50 points -- the only difference in any account payments has been my student loans. There was no indication from my loan servicer that this AUTOMATIC ENROLLMENT into the student loan forbearance program would sabotage my credit score - I would have opted out immediately had I known.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This complaint is the follow up and the feed backon the Company response on our earlier CFPB complaint XXXX. 
The following concerns remain unaddressed and unresolved. We claim .... 

1. After three months of investigation into our complaint, BOA did not address the main concerns in our complaint.The specifics of our complaints and documents have been provided to BOA on several occasions. 
2. BOA has breached several of regulatory codes governing the Banking and Brokerage services in the matter of handling our brokerage accounts. 
3. Mr. XXXX has provided false testimony under oath and has repeated the lies on matters which have been found to be false by their own investigations by BOA. 
4. XXXX and Mr. XXXX were engaged in setting up a bogus arbitration hearing in the pretext of a contrived and fabricated dispute between XXXX and XXXX. 
4. The company response is merely a compilation of previous correspondences and lies which have been refuted by their own investigatory team and the research report. 

We request that CFPB undertake an independent investigation into our complaints against, XXXX and BOA.

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 2020-05-19 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: GA

Complaint narrative:
Equifax does not allow me to send updated information online when I try to login in with my corrected information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: GA

Complaint narrative:
XXXX  does not allow me to send updated information online when I try to login in with my corrected information.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I recieved my unemployment deposit the night of XX/XX/18. I checked my balance- it was XXXX. A second deposit- pua of XXXX- was deposited. My account was then closed permanently- without my knowledge and with no warning-blocking access to my remaining balance. I have been on hold trying to fix this issue- only to be told there is nothing anyone can do. In the service agreement it states account can not be closed with a remaining balance without my permission- which I didnt give.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Quicken Loans assessed my mortgage account {$24.00} for a mortgage payoff statement when I did not request a payoff quote. After investigating, it turned out that while refinancing my primary residence the loan processor accidentally requested a quote for one of my investment property loans. 

I contacted Quicken Loans regarding the fee and asked for a credit on behalf of the loan processor who accidentally requested a payoff for the wrong loan. The Quicken Loans representative instructed me that they understand the situation but unfortunately can not remove the fee from my account. 

I just do not understand why a loan servicer would be so firm in requesting fees from me for something I didn't request and was done in error on my behalf by a loan processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation