vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an account that went into a derogatory status after being honorably discharged from the US Navy. I had fallen upon hard times and could not afford the payments at the time. It did take me a while, but I have recently settled this debt with the debt collection agency, whom goes by the name of XXXX. After settling this debt on XX/XX/XXXX, I called Experian to explain my situation and that I wanted this information updated on my credit report. Each time I called, The agents were very rude and impolite, I was even hung up on by one of the agents. They insisted on not updating any information and that they would be filing a dispute before the account was updated. On XX/XX/XXXX, I uploaded an image from the debt collection agency the account was settled with, showing a fax I received stating that the account should reflect " settled/paid in full ''. On XX/XX/XXXX the Experian dispute results were in, and they stated that the information that they had on the account was correct, I settled the account for {$2600.00}. After settling an account, the balance is to reflect {$0.00}. Experian only updated the account as if I were only making payments, bringing the {$8800.00} balance down to {$6200.00}. This reporting is incorrect due to the fact this account has been settled, I did not start a payment plan with the company ( which is a statement that Experian later added to the notes section of the reporting as well ) I also have a recording of a conversation with XXXX XXXX XXXX XXXX, which is the original creditor, stating that this balance is to reflex {$0.00}. This account reflecting this high balance is severely hurting my revolving credit, which is keeping me from buying a home for my wife and children. I do not believe I have been treated fairly by Experian as a consumer and assistance is needed to make this situation right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Because of a report of fraud committed against me thru XXXX transaction and then having some money been sent to me by family members thru XXXX to help pay for my fathers XXXX treatment after the fraud complaint the bank closed my account and treated me like if I was the criminal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I contacted Spring Oaks Capital and disputed and requested validation of the debt. Spring Oaks received a certified letter on XX/XX/2021. Spring Oaks did not mark the account as disputed and violated my rights under FDCPA. I notified Spring Oaks gave them a copy of my credit report and requested deletion due to violation and non compliance. Spring Oaks received my certified letter on XX/XX/2021. Spring Oaks Capital have not complied with FDCPA and continue to violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX XXXX is showing me a balance when it needs to be removed from my report. They have sent letters supporting the removal but still has it under the one siteXXXX needs to be removed and the other charge off and close the 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 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The attorneys for Wells Fargo Bank N.A. ( the bank ) failed to serve us legally for notice of a Judgment Lien court date, wherein we did not get the opportunity to defend ourselves prior to a judgment being illegally entered against us. The bank previously failed to notify us ( by legal service ) for this same case prior. We called them out on this failure previously in writing. The bank claims that they sent notice by US mail, however not even one of the multiple letters they claim they sent were EVER received. The attorney for the bank works from XXXX XXXX, CA. We live in the country in XXXX, TX. We believe that the bank failed to provide us with legal notice to get a default judgment lien against us illegally. We were denied the opportunity to our defense. To close this matter out, we made a settlement offer. The greedy bank declined. We dispute that we were ever served and will seek further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Walked into a branch of Garden State Community Bank in XXXX, NJ and requested information about opening a certificate of deposit. After the rep gave me the terms and yields, I requested to open a 3 month CD. At account opening, I gave the rep my licence, foreign passport, ITIN and a credit card as a secondary ID. The rep started asking me uncomfortable questions about my citizenship using degrading and inaccurate terms, then went on to say that, since I have an ITIN and I'm an XXXX XXXX, I can not open an interest-bearing account. I asked why I can't earn interest having an ITIN and all the IDs required for her to identify me and she replied that XXXX does not open interest-bearing accounts to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a resident physician with medical school loans. These loans are supposed to be in full deferral while I am in residency. This was approved each year. Additionally, I was granted a COVID-19 full deferral where interest is not supposed to accrue through XX/XX/2021. I have dealt with customer service several times on the phone who says the interest will be removed and will stop accruing. However, it continues to accrue each day and my balance continues to increase, in error. I previously placed a complaint for this and it was closed without being addressed. As you can see, I attached my statement showing interest is still accruing, now in the amount of {$120.00}. This needs to be removed and the interest needs to stop accruing. University Accounting Service , LLC has done nothing of substance to actually address this issue. They simply say that I should not be accruing interest, and still continue to charge me interest. This is unacceptable and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RE : ACCOUNT NUMBER XXXX To whom it may concern : I originated a loan for {$3000.00} with XXXX in XX/XX/XXXX. Since I have paid {$350.00} on every third of the month by direct debit. My question to you is, should I owe more money on this loan now than the amount borrowed? My monthly billing statement dated XX/XX/XXXX is attached. 


Thank you for your assistance. 




Sincerely, CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I took a 6month covid relieve ending the forbearance in XX/XX/2020 at my request. I signed the necessary document for the repayment of the outstanding balance in XXXX wellsfargo withdrew that document saying they made an error and came up with another value that's higher than the previously signed document. I asked for the details of their calculation but they wouldn't give it to me. I've asked for document about my original payment schedule repeatedly and they've ignore them. Every time they call me or I call in they keep on saying they're investigating. Yet I'm reported as late. Before signing the last document i asked them to give me a breakdown as to what i'm signing but they said they will send it afterwards they made me sign a document with that any details. I was repeatedly told that once i sign the document i will be current only to be told i'm 1 month late after signing the document. how can i be late when i've paid every month since i ended the forbearance. 
I need help getting my original payment schedule from wellsfargo before the forbearance and how the forbearance affects my payment schedule going forward. I also need to know how much of the payments have been applied to the interest and principals to date. I really need to know where my payments going.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/XXXX {$38.00} became 30 days over due Payment was received XX/XX/XXXX of {$170.00} ... but it was {$38.00} under paid. ( for some reason I under paid ... can not recall why ... honest mistake ). 

This has been a mark on my payment history ever since. 

There were no other late payments in payment history. 

In addition, XX/XX/XXXX USBank closed my account because I had not been using it. ANOTHER ding to my account when an account is closed. I did not ask them to close it. They decided on their own. 

Could you please help me at least remove this ding for {$38.00} dollars? My credit report score is actually suffering because of it. 

Thank you, XXXX XXXX XXXX XXXX The old account number ended in 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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent in letters of Disputes Ive called them many times I explain the situation to no avail they sent me letters Stating Information is accurate this account is not open its closed account they are reporting wrong Information on my credit report well as the Response letters they sent me stating its open account which is wrong this account is five years old XXXX is reporting closed account TransUnion is Reporting open 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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I contacted Synchrony bank and notified and disputed the validity of a debt. It has been approximately 2 years the original dispute has not been resolved. I faxed and sent Synchrony Bank regarding an error that was made. My records showed that I was on active military duty. I was not and asked that the issue be resolved. To this day it has not been resolved instead a decision was not made and the account was charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom it may concern ; Bank of America has deliberately prolonged my suspicious activity claim opening & closing the claim then claim to now have to open second claim extending the 90 day timeframe to resolve the case. I am not trusting any of the supervisors @ Bank of America. Today XXXX when I opened my email a Bank of America email stated my card was being suspended and a new card is on its way. The account that previously compromised has already been closed and a new card issued and now the new card which was not requested by Bank of America according to supervisor XXXX. 
The following list below are the representatives I spoke with today. 
XXXX ; XXXX ; SUPERVISORXXXX ; CSR NEW CLAIM NUMBER ( XXXX XXXX XX/XX/XXXX ) # XXXX. 
XXXX asked for the police report number stating she had no access to the faxed in report I sent in. According to XXXX the supervisor she stated XXXX did. I did not trust this CSR for lying to me and asked XXXX what about the 1st case? XXXX opened a new case for the XXXX purchases and escalated the 1st case since it was closed. XXXX asked me many questions and being XXXX in a level that she could help. There is too many mistakes going on and no one really doing their job. The incident happened on XX/XX/XXXX and the case keeps being pushed back, closed and reopened but only when I inquire! If I did not inquire XXXX XXXX XXXX would just on the case.

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 2021-05-05 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.
State: TX

Complaint narrative:
Its been over a year and I have had severe difficulty resolving fraudulent identity theft account that appear on my credit report, I have disputed the accounts online, mail, phone and with a Dedicated Fraud Resolution Specialist provided by experian with my premium plan for {$19.00}. The fraud resolution specialist is suppose to stay in contact with me and follow a protocol to get the identity theft resolved. The lady XXXX who is assigned to me has only spoken to me once and has not answered my calls or emails since our initial conversation. I have supplied experian with my FTC report, police report and notarized affidavit that they requested so that the accounts could be removed. They have repeatedly claimed the accounts were verified and completely ignored the identity theft even though the creditors XXXX, XXXX and XXXX do not have any proof or original contracts bearing my signature only bills that resulted from a thief using my information. Both companies stated someone called in and opened accounts using my social but havent provided any proof besides a generic bill showing whats owed/charged. Every time I call to speak to XXXX she is not available, experian is promoting a misleading product and violating several of my rights as a consumer under the FCRA, FDCP and TILA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
AES continues to add interest to and capitalize on my student loans so that my original loa. Of XXXX Principal is now over {$11000.00}. How is this legal?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Applied for Care Credit, Selected 24 month no interest option. Neither the veterinarian office, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, United States, or Care Credit contacted me to let me know, the loan could only be accepted as a 6-month no-interest loan. 

They never mailed paper statements, although they claim I enrolled. 

They have failed to communicate in an adequate fashion. 

The same problems from XXXX arose in XXXX, Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 

Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a XXXX percent interest rate. 

I also noticed in research Care Credit failed to act in accordance with the ruling that was ordered on XX/XX/XXXX which states : Representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. 

I received no contact in that time frame or later. 

Care Credit is still engaging in deceptive and harmful practices, preying on people in their most vulnerable moments as they are either in pain, watching a loved one in pain, or perhaps even fighting for their lives. 

This simply can not be allowed to continue and oversight to this despicable organization must come swiftly and harshly as they have placed profit over the person in the vilest, most predatory, and the dirtiest way you can, by taking advantage of people in their most vulnerable state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the accounts and inquiries listed on credit report are a act of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BCO Consulting Services
State: CA

Complaint narrative:
A few days prior to XX/XX/2021 I received a call about student loan forgiveness. I was told they are working for the U.S Department of Education, working with Public Service Loan Forgiveness. On XX/XX/2021 I called back to discuss forgiveness options. I was told I would have immediate relief and very small monthly payments. I was told that my other loans would be taken care of immediately and upon looking today, XX/XX/2021, and I still have my student loans due for this month. I was told I would have 4 monthly payments to start of {$190.00}. They automatically took out {$190.00} on XX/XX/2021, and it will happen again this month on the XXXX. I believe I am being scammed due to reading upon reviews of this conpany. All of my sensitive information was taken right off the bat and I, unfortunately did not give a second thought to it. I was not told where or even who my payments were going to. Looking upon my bank statements on XX/XX/2021, it looks like it's called BCO Consulting Services. They were insanely friendly and were intently knowledgeable with everything, which is probably why I didn't think twice about it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation