vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Credit Corporation
State: PA

Complaint narrative:
On XX/XX/2020 @ XXXXXX/XX/XXXXeastern time. I have made my 3rd attempt to contact AVANT Credit card customer service to be sent a final bill so I can pay the account in full. I was told for the 3rd time that they would submit a ticket and see what they can do. I was told that it could take up to 14 calendar days for a response. I have gone through this 3 times and have not received anything from them. In the mean time the late fees and interest continue to add up. They also continue to report to all 3 credit bureaus and now again my credit score has dropped another 30 points. All I wanted was the bill to make the payment. I have just returned to work after being off for 13 weeks I am struggling like many other people during the pandemic. I am trying to do the right thing and just pay my bills. After months of trying to settle this account I have come to a point I don't know what way to go. Is there anything you can do to help me resolve this matter. They are going to continue to destroy my credit with their late payments and charge off. All I want is the Bill to pay them. I don't think what they are doing should be legal. They are avoiding the final bill to accumulate late fees and interest no matter the amount when it is done to thousands of people it adds up. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$1300.00} {$820.00} CHARGE-OFF XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Previous Address : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX APT XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XX/XX/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 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was trying to deposit XXXX dollars into a capital one ATM but the ATM ate my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP
State: PA

Complaint narrative:
I leased a vehicle through US Bank. The lease ended in XXXX of XXXX and I opted to purchase the vehicle from US Bank. On XX/XX/XXXX, I sent US Bank a cashier 's check for the full {$22000.00} purchase price of the vehicle that I was quoted. {$1200.00} of the full {$22000.00} purchase price was listed in my itemized quote as the sales tax collected by US Bank for the sale of the vehicle. Approximately two weeks after I mailed the full payment check, US Bank mailed me the documents necessary to transfer the title of the vehicle. Included in the documentation I received was a cashier 's check from US Bank in the amount of {$1200.00} to be used to make the sales tax payment during the title transfer. While transferring the title at the XXXX XXXX XXXX on XX/XX/XXXX, I was informed that the {$1200.00} check from US Bank was made out to the wrong entity and could not be used as payment for the applicable sales tax for the title transfer. At this point I paid for the sales tax on my credit card, completed the title transfer transaction, and destroyed the now useless check from US Bank. I have called US Bank customer service several times over the past 8 weeks to request reimbursement for the {$1200.00} sales tax, but I have been completely ignored after each call. I keep getting told to call back in a few days to check on the status of the check issuance, but no action by US Bank is actually taking place. I've been consistently assured that status updates will be provided, but no status updates have been provided by US Bank. I've paid the sale tax for my vehicle twice over at this point due to US Bank 's cashier 's check error. I am turning to the CFPB to help me escalate this issue with US Bank so that I may finally receive my long overdue reimbursement.

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 2020-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My Student loan is with Nelnet ... ..I have called Them 6 times since XX/XX/XXXX and have asked them to send a billing statement so I could pay them ... .Since the Federal Govt is dropping them as if XXXX ... they have decided not to co-operate with me and others ... and as a result I now have late fees etc, since I am 3 months behind on payments ... This Company I have heard is being sued for this reason, but I am not the one who started it ... 


I have also tried to activate a forbearance but I doubt they even care ... 
I cant pay them if they refuse to send a statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My debit card had unauthorized charges from another country on it, including : XX/XX/2020 XXXX XXXX PENDING XXXX XXXX I received no fraud alert, I noticed them on my statement. I contacted penfed, they would send a new debit card, void the charges, and credit the fees caused by the unauthorized charges. 

I received the new debit card, but I have not been credited for the fraudulent charge, and I have not been credited for the fees caused by the fraudulent charges.

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 2020-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST
State: FL

Complaint narrative:
I sent a cashiers check to Bank of the West via XXXX  XXXX ( tracking # XXXX ) to payoff my boat loan. The check was received and signed for at XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, my payoff still has not been applied to my loan. I have called the bank numerous times and was told the payment was reversed, but they dont know why. On XX/XX/XXXX, I was told that the representative entered a research request that has a 5 business day turnaround. I asked to speak with a manager who told me that he was escalating my issue and a representative would reach out to me in 24 to 48 hours, but no one has reached out to me and it is beyond 48 hours. 

I contacted XXXX XXXX ( the issuer of the cashiers check ) and confirmed that the check has not been presented for payment. Once again, I contacted Bank of the West to try to find my check and I was told that the representative thinks the check is being returned to me because the amount of the check exceeded the payoff. I can not get anyone to tell me the status of the check. 

I sold my boat and this cashiers check was purchased by the buyer of the boat. He is in possession of my boat, but is unable to register it because of this issue. I can not get these people to do anything to help me get this resolved. Furthermore, each time I call, I wait on hold for a minimum of 30 minutes to speak with someone. I am fed up.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have called the company in charge of my debit card at least 30 times the last 2 months and haven't received a resolution regarding not being able to use my debit card. Everytime I speak with a regular agent or supervisor they all say the same thing that they will put in the request and my card should be working in 24hrs and it never works. It worked for 1 day after I called a week ago and went right back to not working. And they do not allow you transfer funds off the card to another account so my money is stuck under their control. I need to get access to to my money on my card this is ridiculous they should also compensate me for this inconvenience. I will be filing a lawsuit if this isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The debt was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX  XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATIONXXXX # XXXX, XXXX # XXXX XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is 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 2020-10-29 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: NJ

Complaint narrative:
i have a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX 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 2020-10-29 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:
i have a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, XXXX, Transunion ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold 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 explanation
Consumer complaint received 2020-10-29 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: NY

Complaint narrative:
I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, Equifax, XXXX  ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is 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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received a settlement offer from US Bank that gave me until XX/XX/2020 to pay {$870.00} to settle a debt of {$2100.00}. The offer had a return address of XXXX. 

I sent the requested funds via a money order to avoid arguments about the funds clearing. I took the settlement letter and funds to the US Post Office on XX/XX/XXXX to make sure it went out and to be sure it would arrive before the deadline.

The US Post Office told me that zip code does not exist so I call US Bank and received assurances from them that they would receive it if sent it and my funds were delayed they would still accept them as my settlement. 

US Bank then did exactly the opposite of what they told me. They received my funds and didnt give me a settlement but accepted it as partial payment. I argued with them about the bad zip code, the delay and their promise to accept the payment, nothing. It was dishonest of them to give me a bad zip code then tell me everything is fine.

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 2020-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
Hunter Warfield has increased a debt owed over time. 
XX/XX/XXXX went up {$5.00} XX/XX/XXXX up {$4.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$15.00} XXXX {$5.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$19.00}. It is from an old apartment on move out charges. I cant go back any further in my credit report to find more evidence. They are adding either interest or fees monthly or twice a month.

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 2020-10-29 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
on XX/XX/XXXX of XXXX Shell point mortgage servicing deducted {$2000.00} from my escrow account to pay XXXX XXXX XXXX XXXX XXXX '' 3 days later on XX/XX/XXXX XXXX deduction was made in the amount of {$1900.00} also label XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX a refund was issued to the same escrow account in the amount of {$2000.00} and was labeled " tax refund no report '' The first time this mistake happened it went unnoticed, I did not realize it happened but then again on XX/XX/XXXX there was a payment of {$2000.00} labeled XXXX XXXX XXXX XXXX XXXX '' and 2 days later on XX/XX/XXXX a second payment of {$2100.00} again labeled XXXX XXXX XXXX XXXX XXXX '' it was shortly after the second double payment that it came to my attention that it was happening. so as a new home owner unaware of how everything worked I sent an email to shellpoint mortgage servicing asking why there were 2 tax payments coming out of my account. 

on XX/XX/XXXX shell point mortgage servicing send me a certified letter explaining that it has come to their attention that 2 separate tax parcels had been attached to my loan. the 2 tax parcel numbers that they provided are " XXXX '' and " XXXX ''. these tax parcels can be looked up free of charge on the website for XXXXXXXX county Missouri. upon my own investigation of the tax parcels, tax parcel number " XXXX '' is a tax parcel for a property I do not own. the name on this tax parcel according to the county is " XXXX XXXX '' which obviously is not my name nor the name on the property that the mortgage company services. 

so to sum all that up, someone somewhere messed up and because of that mess up I was charged a different individuals personal property taxes. 

shell point mortgage company sent me the letter on XX/XX/XXXX and since then countless phone calls have made to shell point all of which I made, and to this date almost a year later no refund has been issued. I have called and called and waited and been patient and they refuse to issue a refund for their mistake. after I brought the mistake to their attention they removed the second tax parcel from my account and lowered my monthly payment immediately, but they have yet to issue a refund the second tax payment that was charged to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation