vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
i have held this capital one account for 17 years. i have no lateness. my payments have been varying for the past few months and i am unsure why. this month, XX/XX/2023, i paid my bill early- on the XXXX. it was not due intil the XXXX. i paid from my bank 's billpay service. i paid {$110.00}. apparently, the amount due was {$110.00}. this was evidently a typo while entering the payment amount. i was not notified of this {$1.00} discrepancy by capital one. i happened to check my account today, the XXXX, and noticed there was a late fee. i called capital one to correct this error. i was told that the payment i made, which was early, was {$1.00} short. i explained that this was clearly a typo. the agent stated there was nothing she could do. she transferred me to someone who claimed to be her supervisor, XXXX ( employee ID : XXXX ). XXXX informed me that despite being a customer for XXXX and having no record of lateness, my account was flagged ineligible for a waiver of the {$29.00} late fee imposed for the {$1.00} typographical error. i asked to speak to XXXX 's supervisor and she state dthat there was no one in capital one higher than her. of course, this is untrue. i asked her to speak with a person above her to explain why my account was flagged in this way. XXXX told me that capital obe doe snot have to tell me why they make notations or decisions on my account. she stated that i had no right t know and that all she had to tell me was that my 17 year ols, no lateness account was " ineligible. '' she said its too bad that i- the account holder- don't agree and then she abruptly and rudely disconnected the call, refusing to transfer me to a supervisor- which she admitted that she was not ; and refusing to escalate the matter, per my request. first, it is unconscionable to charge a {$29.00} fee for a {$1.00} error. second, it is completely unacceptable to make adverse notations or flags on a customer 's account without notifying them. third, i get payment alerts so i should have been notified that the early payment was {$1.00} short. most importantly, it is WHOLLY UNACCEPTABLE for capital one to refuse to have supervisors available upon customer 's request, to refuse to escalate matters when the agent can not answer questions or resolve issues. and it is NEVER appropriate to hang up on a customer who is not beligerent simply because you don ; t want to answer their valid inquiry. where are our protections as consumers of financial products?? is this how citizens should be disrespected and bullied by corporations? is XXXX correct- do we have no right to know why adverse decisions are made on our accounts? that can't be correct- it is, after all, a contract, right? as such, it would seem that both parties have a duty to be transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a credit card with Capital One Bank in which I have always made payments on time, for reasons unbeknownst to me, my financial institute XXXXXXXX XXXX blocked all of my payments to Capital One for the month of XX/XX/XXXX & XX/XX/XXXX. I provided Capital One with a letter directly from XXXX XXXX confirming that they made the error. 

Capital One sent me a letter yesterday in return stating that the information reporting on the credit report is correct. 

It is not fair that I am being penalized and that my credit rating is being blemished for something that is not my fault. I can also not reach anyone at Capital One to discuss - when I call up the # on the credit card I am being told that the dispute dept is a separate dept. and they do not have a phone #, fax # or email contact - only a mailing address, how can that be allowed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My mortgage is {$1700.00} a month. However, I always pay an extra $ XXXX {$340.00} every month so as to lessen money paid in interest charged by the total loan ( current balance {$240000.00} ). It is hard to tell if the overpaid money is being applied towards the reduction of the principal amount. I have asked my loan servicer ( PHH ) to send a copy of how much money I will have paid at the end of the mortgage life, which mortgage companies are obligated by law to provide to borrowers. PHH 's website outlines extra payments as " Monthly Additional Principal '' ; however, it is unclear ( and PHH refuses to clarify ) how my extra payments impact the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NJ

Complaint narrative:
There is a XXXX XXXX account that doesn't belong to me, yet it is showing up on my personal consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Problem is with Citizen 's Bank Customer Care and Care Policies in Cases of Bank Error. 

Call to bank [ Citizen 's Bank ] to correct problem : XXXX XXXX ( or XXXX ) XXXX  ( Not the first time this has happened ). 

PROBLEM : I decided to use the " Bill Pay '' option at this bank, the service is called XXXX. I set this up back in early XXXX. The person who was setup to receive a Bill Pay Check did not get the check which the service said was delivered XXXX XXXX XXXX Another check was sent in early XXXX and was verified by the bank as a completed transaction. The Payee did not actually receive either check. The checks were lost in the mail. 

I called support to resolve the situation and to put Stop Payments on both checks. Currently I was able to do so for the XXXX XXXX XXXX  check. 

Support at Citizen 's Bank National Number is essentially non-existent. All of this happened to me a few years before though I forgot about that at the time. XXXX was the actual bank denying service to me on account of this conditions. 

The bank ( National Support Phone Center Number ) - Citizen 's Bank, did put the stop payment in place and charged me {$32.00}. I tried to have the charge removed explaining this was a bank error but the support rep disagreed and said that was not possible. I asked to speak with a supervisor. Instead of being transferred the tech stayed quite on the phone - tried explaining again what their policy is despite it being a bank error. Bear in mind their records indicated the checks had been successfully delivered. 

I called back after getting nowhere with this tech and the next tech treated me the same way. 

I ended up calling the branch office where I opened my checking account and the teller ( XXXX ) was able to credit my account. 

I never did get a chance to put a Stop Payment on the XXXX check. There is a dispute about whether or not I should have been charged a fee that the teller was going to look into. 

The other problem, again I asked to speak with a supervisor and was ignored is that a Stop Payment of this type shows up like a " Bad Check '' to other banks like XXXX. This NOTICE by default remains on a client 's account for 6 months during which times other banks ( like XXXX ) will refuse to be of service. 

There was no solution or policy in place for a banking error such as this complaint asserts. This is why I haven't put a stop payment on the XXXX check, both for the fee they charge and the dispute about the 6 month condition. 

S

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Friday, XX/XX/2023, I made a mobile deposit into my Truist checking account for {$840.00}. This was a payroll check originating at XXXX XXXX. Truist has held on to this deposit ever since. This is over 11 days. They said the reason was it is a new account.

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 2023-02-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 166B : A creditor may not treat a payment on a credit card or car loan account under an open end consumer credit plan as late for no purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient at XXXX XXXX  on Tuesday, XX/XX/XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient customer service representative when I called was unfortunately, there is no way to really dispute that here.. So unfortunately youll still have to pay on these loans here. The Navient representative clearly denied there is a process. I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the customer advocate. I received a response from the office of the customer advocate dated XX/XX/2023. ( I have attached a copy ). In this letter, the customer advocate XXXX XXXX explained, among other statements, that there is no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. I believe there is a problem with this response and there should be a process for providing me with more information and relief. Further, since making this call, Navient has been calling me repeatedly day and night. Navient has also sent written communications, including friendly reminders that my payment is due even though I am raising a defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial distress and limited career opportunities. Attending this school did not provide me with a quality education or necessary credentials, leading to difficulty in obtaining jobs and has made it impossible for me to advance in life like a typical XXXX yr old. I have not been able to buy a home or rent an apt without a cosigner. The emotional toll this whole ordeal has caused my family and I is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is a report on my account for a delinquent account from XXXX XXXX. I contacted XXXX XXXX and also contacted Experian directly in order to submit a dispute. XXXX XXXX has failed to respond to me and Experian dismissed my complaint stating that XXXX XXXX provided validation of the debt. I asked Experian to send me a copy of the validation and they refused to do so stating that I would need to discuss it directly with XXXX XXXX. They provided a telephone number to me to reach out to them directly. 

The telephone number that Experian provided does not work. The telephone numbers on their websites do not work. I go through the prompts and the number just hangs up on me. I don't understand how Experian can receive validation of a debt, but can not pass it over to me, and not allow me to contact the creditor directly. I'm merely asking for an accounting of the debt so I can verify and pay it off, but Experian just keep referring me to a non-working telephone number.

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 2023-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
In regards to the refunds we are entitled to for payments made during the pandemic period. Ive requested a refund and have been told no timeline would be given. Ive made several attempts to get update and have always been told no updates were available other than the request has been submitted and approved but no timeline on when to expect a refund. I have received a small portion of my request and was told that was from the original loan servicer but my request from my current servicer EdFinancial has no timeline. My original request was sent XXXX XXXX I would like to have this issue resolved and I feel like EdFinancial is just giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2023 I completed a Balance Transfer from Capital One to XXXX. I did not have my Capital One card on me at the time, so I used my virtual Capital One card number for the transfer. 
Capital One claims to have never received the payment of {$700.00} that XXXX supposedly sent them. I now owe a balance of {$700.00} on my Capital One card AS WELL as my XXXX card. Neither company will resolve the balance. XXXX took the {$700.00} onto my new card and left the {$700.00} balance on my Capital One card. 
Disputes were filed, cases were opened more than once ( by both companies ) and both companies claim the cases are closed now. I have now doubled my {$700.00} debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
On XX/XX/2023 I received a letter from XXXX XXXX  stating they had won a lawsuit in court against me. I dont have any credit cards. XXXX XXXX XXXX. My mom went online and got a copy of my credit report and there were several things on there I never signed up for, the following is on my credit report that I never had knowledge of : 1. XXXX XXXX 2. XXXX XXXX XXXX. 
3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
N accordance with the Fair Credit Reporting Act the following accounts has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Creditor : XXXX XXXX Original creditor : 08 XXXX XXXXXXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
N accordance with the Fair Credit Reporting Act the following accounts has violated my rights XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Creditor : XXXX XXXXy Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX  Original Creditor : THE XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation