vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: Lending Club Corp
State: TX

Complaint narrative:
After paying off my {$15000.00} loan in XXXX, I have continued to receive regular emails and phone calls from Lending Club. 


There is a {$27.00} late fee that the phone callers are ostensibly trying to collect on, but more at issue are the deceptive emails " reminding '' me to make my regular monthly payment of {$520.00}, and that my balance is " past due ''. Here is an excerpt from their most recent email, but they've all been of a similar form : -- - Dear XXXX, Your account is now past due in the amount of {$520.00}, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at XXXX XXXX XXXX XXXX today! 
-- - I've received emails in this manner on - XX/XX/XXXX & XXXX - XX/XX/XXXX, & XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX, XXXX, XXXX To further compound the problem, over the past several months whenever I've tried logging into my online account to see what the fuss is about, I'm met with the following message : " Due to maintenance, your loan information can not be displayed at this time.Please try again later. '' I spoke with a Lending Club agent earlier this afternoon about the issue and while she advised I pay the late fee and ostensibly be done with the problem, I believe their practice of sending emails with misleading statements regarding incorrect account balances is at the very least a dubious business practice and indicative of potential underlying issues with the software that manages their loans, and depending on whether other borrowers have acted on those incorrect statements and remitted payments beyond what was due on their accounts the aforementioned actions of Lending Club may amount to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received message that Navy FederaXXXX had denied my application, XX/XX/XXXX, after receiving an pre-approval from XXXX XXXX. It was verbally advised because of XXXX XXXX more than 7 years ago, Navy Federal is refusing to accept any type of loan as me being on the account for a loan. I was told if I want to pay the debt, I could, but we were at an impasse. Not allowed credit is permanently affixed to me credit worthiness, no matter what. I was further advised today and yesterday to call charge/off bankruptcy department, XXXX. I spoke to two different people. The last person stated even if I paid on the accounts loan and credit card, I would not be granted any services. He told me that they were permanent affix and time would not change the status. I explained my military XXXX had caused an interruption. I lost a lot but I had no problem back then XXXX, I was blocked out of my account. When I attempted to pay I was rerouted to collections. I was forced to add Navy Federal to my bankruptcy. Now to present day customer service in mortgage and bankruptcy department verbally stated if I wanted a job there I would not be allowed because of my XXXX  from over 7 years ago. I take issue with this as a federal employee who have been told these rules can interrupt my federal career goal, that is already tough to advance in for an XXXX XXXX like myself. All because I was then and XXXX due to my military service which has recently been rated as 100 % total and permanent XXXX. That to me is discrimination, due to me being a XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disgusted this is my second attempt. I'm being accused of not being me?? Like I stated in my first complaint. I disputed all the way back on the XXXX of XX/XX/2020 and have yet to receive any indication of my disputes being investigated. I feel like I'm being toyed with even more now that I'm being accused of not being myself I also feel like I'm being ignored of my disputes. It's been over 45 days at this point and still NOTHING. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. Like I stated before I was also impacted by the XXXX  data breach. Please resolve this in a timely matter. I will be attaching my dispute again.

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 2020-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Because og my computer being hackedI tried to change my access info online on the Transunion site. It didn`t work very well and I was eventually locked out. 

I tried phoning Transunion regarding my access, but all I get is a recorded message telling me the mailbox is full and to phone back later!! I`ve tried to call them day and nigh at all hours for several days now and all I get is this same message. I know for a fact the two credit reporting agencies to their best to discourage customers from contacting them, which makes them look somewhat shady operators. 

They`ve made it impossible to contact them without going through literal 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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I have been recently informed that there is negative information reported by your company, Portfolio Recovery Associates, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$490.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX I recieved a ( 2 ) letter ( s ) from Macy Credit Card by Department Stores National Bank and the date of the letter was XXXX XXXX, XXXX. XXXX of the letters, basically approving COVID 19 relief of allowing me not to make payments from a telephone request I made to them on XXXX XXXX, XXXX. Verbally they stated they would, then I recived a letter stating it was approved for 2 consecutive months. On the same day XXXX XXXX, the I received a letter stating they had not approved for several reasons. I called the bank and told them if in fact I was approved for COVID relief and they said no, but continued to tell me my next payment would be due XXXX XXXX, XXXX. I also informed them, that they had lowered my credit limit from {$10000.00} to {$4000.00}. Which definately dropped my score due to utilization rate being so high. 

They claimed they had provided me with Covid relief for 4 months prior, yet the pandemic is still ongoing. I recently lost my XXXX, and my XXXX and asked if they could lower my payment amount to offset my reduced income as I left my job to care for my XXXX and XXXX XXXX. since then I have taken a job which is paying less and I am also a XXXX but my sales have dropped due to taking care of family matters I am requesting they work with me to assist in lowering my interest rate or lowering my payment. Speaking with them has be to no avail. I have never been late on payments with this credit card, they simply stripped my credit limit damaging my credit. 

Why during the panadamic these Credit Card companies allow only a few months when the COVID 19 perisists. 

I need help. 


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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I have been recently informed that there is negative information reported by your company, Wells Fargo, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$790.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XX/XX/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 2020-12-17 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: EQUIFAX, INC.
State: CT

Complaint narrative:
it's been 90 days since my first request and this company keep reporting inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
The number is ( XXXX ) XXXX PORTFOLIO RECOVERY ASSOCIATES Another number is ( XXXX ) XXXX PORTFOLIO RECOVERY ASSOCIATES I HAVE BEEN ON THIS LIST SINCE 2003. I HAVE ALREADY ASKED THEM HOW DID THEY GET MY NUMBER THEY WON'T TELL ME. IN FACT THEY SHOULDN'T HAVE THIS NUMBER PERIOD. I DON'T GO INTO THERE PLACE OF BUSINESS AND DISRESPECT THEM SO I REQUEST THE SAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: CT

Complaint narrative:
it's been 90 days since my first request and this company keep reporting inaccurate information in 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 explanation
Consumer complaint received 2020-12-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
it's been 90 days since my first request and this company keep reporting inaccurate information in 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 explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. On XX/XX/XXXX I submitted a second document with my signature and a statement of taxable income along with a bank statement with deposits dating from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was alerted my monthly payments were to be set at the maximum for the Income Driven Repayment plan. On XX/XX/XXXX my signed statement along with bank deposits were rejected. I immediately resubmitted the documentation with further clarification on XX/XX/XXXX. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue. The only option I have been offered is to apply for a 12 month Partial Hardship Period. My income has gone down in the area of {$20000.00} compared to the XXXX Tax return submitted for my income driven repayment plan and have not been given any guidance to further prove my circumstances. I am a single member LLC and have made that clear in my income statement to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a flight ticket scheduled on XX/XX/2020 using Chase credit card on XXXX XXXX, 2020. My flight was cancelled due to COVID-19 pandemic. Merchant is XX/XX/XXXX ( from which I purchased ), and XXXX is airline company. Per a supervisor of XXXX 's instruction, I requested a refund online on XXXX XXXX, 2020 ( I have a screenshot ). Meantime, I also filed a dispute with Chase in late XXXX, 2020 as I did not receive the service through Chase online secure message system. Chase replied on XX/XX/ 2020 to request any supporting documents, which I faxed for several occasions up to the end of XXXX, 2020, including an email from XXXX confirming that a refund of {$280.00} was made on XX/XX/2020. However, Chase keeps refusing to refund me. All documents will be sent to CFPB upon request from Chase. I have all documents but too large to attach on this online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Self Financial Inc.
State: FL

Complaint narrative:
i am showing a secured loan on my credit report from self lenders that i have been paying monthly but never received a loan i also didnt even know i was making payments i believe it was set to auto pay and it shows as a secured loan. i am getting constant offers for loan approvals never applied for and also have issues with XXXX credit card XX/XX/XXXXcredit cardXX/XX/XXXX all showing inaccurate charges i have had to submit inaccuracies to my bank and believe i am a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from theXX/XX/XXXX data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.

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 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I gave a 60 notice to XXXX XXXX and they are charging me rent for months after my lease ended. They double charged me for all the utilities for the entire year of my lease. This was because they were having constant water shut offs and they said the company was backlogging the accounts withe the landlord. This is not the residents issue and we shouldn't have to pay for their problems. I tried to resolve this with them but the were very rude and told me I had to just deal with it and pay. I have all the monthly statements for the utilities. 
The entire lease, they made the place unlivable ( water shut offs every week, leaky AC unit, clogged sinks, cracked toilets and showers, foundation cracks and shifting, electrical shortages ( fire hazard ), clogged dryer outside vents ( fire hazard ), very rude and loud neighbors everyday ( which I tried to consult with them but the got very aggressive with me ). All of these issues I tried to resolve with landdlord but they did not fix. I don't owe them a XXXX! I paid my rent on time every month and even paid the extra {$60.00} every month for their problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: IN

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
i requested an investigation on XX/XX/2020 with follow ups on XXXX/XXXX/2020 XX/XX/XXXX/2020,XX/XX/XXXX/2020 and XXXX/XXXX/2020 regarding to a inaccurate information that is been report and this company ignored my request violating my rights.

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 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My bank 's website has an option to apply for a " basic loan '' as they call it. I applied for it, and the denial said that I did not have enough automated deposits recently on my checking account. Is that legal to require deposits to be automatic? That seems weird to me if my deposits are regular but actually use a branch in person rather than automatically. So that if someone deposits a paper check instead of ACH then they don't get a basic loan, I guess. I know I have other problems with my credit, but this reason seemed unfair to 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