vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 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: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I have a loan with CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and  XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a loan with WELLS FARGO, XXXX, and XXXX XXXX XXXXXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-22 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have a loan with BRCLYSBANKDE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRCLYSBANKDE, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize the following inquiries on my Experian credit report. 

XXXX  XXXX XXXX, inquiry date XX/XX/2020. This inquiry is unauthorized, a violation of FCRA rules XXXX XXXX  XXXX, inquiry date XX/XX/2020, This inquiry is unauthorized. A violation of FCRA rules. 

XXXX, inquiry on authorized, a violation of FCRA rules

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 2020-08-22 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: DISCOVER BANK
State: SC

Complaint narrative:
I have a loan with XXXX XXXX, DISCOVERBANK, and XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DISCOVERBANK, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and BK OF AMER with no successful resolution. There was definitely an error on their part.

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 2020-08-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have a loan with LVNV FUNDING LLC, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Lending Club Corp
State: SC

Complaint narrative:
I have a loan with XXXX, LENDING CLUB, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LENDING CLUB, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Once again PayPal continues to not credit funds to my accounts in a timely manner. They are creating " float '' for themselves. 
In this instance initiated transfer of funds with PayPal from my XXXX XXXX checking account on XX/XX/2020 to my PayPal account. The amount was debited from my checking account on XX/XX/2020. As of today XX/XX/2020 the funds have still not been credited to my PayPal account. PayPal has had the funds for 4 days without crediting my account. 
This has been done before involving much larger amounts of my money but this time was the " straw ''. PayPal is utilizing this artificial delay to create " float '' which given the scale of their operations must be a substantial theft from the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am being charged for cash interest also purchase interest at a very high rate. I did not get any cash out, not sure why wellsfargo is still have me pay for a high interest rate on Cash. Example {$64.00}, for purchase and {$84.00} for cash, which I haven't gotten out. That's {$140.00} a month on high interest, I had to close that account because of this and can not make payments due to my hours being cut do to covid.. need a way to lower payments to continue to make payments.

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 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: NY

Complaint narrative:
Very bad bank charging me interest when I have no balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: GA

Complaint narrative:
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 {$1700.00} XXXX XXXX {$680.00} XXXX XXXX {$81.00} I tried to dispute these items off my Equifax and credit report because I not sign a consent or give permission to pull my credit report. It is also a HIPPA Violation to put any medical information on their credit report. No action was taken by Equifax or any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Total Card, Inc.
State: AL

Complaint narrative:
From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and XXXX  have incorrectly reported the balance of my Total Visa Card as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my XXXX XXXX from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My Total Visa Card is listed as XXXX  on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: AL

Complaint narrative:
From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and Equifax have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: AL

Complaint narrative:
From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of Experian and XXXX  have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I maxed out a Wells Fargo credit card XXXX and settled out with them XX/XX/XXXX. They never called to collect money prior or before I paid it off. I asked a couple times if they could remove from my credit report. I even got a credit repair to help remove but no one has removed.

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 2020-08-22 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: Nelnet, Inc.
State: CA

Complaint narrative:
I was 90 days past due on my student loans back in XXXX because I went to XXXX. I have contacted a credit repair who sent letters. I also asked for my student loans Nelnet to remove this and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
Company continues to request a full year of school taxes which violates the law which says they can request a maximum of 2 months. Taxes were confirmed paid on XX/XX/XXXX by current lender and it shows clearly that they are not due until at least XX/XX/XXXX. There have been many instances through the process where they have not completed their due diligence and generated documents with inaccurate numbers and have attempted to charge me fees for the loan being delayed when I have submitted everything on time. Their last set of closing documents come one day after a disclosure that showed I did it need to pay the school taxes in whole. Yesterday, the closing documents showed I needed an additional XXXX for the already paid school taxes. Their solution was that I should finance those - which is not lost on me that they would collect on the interest of that, while I clearly do not have to even pay them as I have a year before they are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I'm writing due to an email I recently received from my credit card company regarding their unilateral decision to reduce my credit limit. 

In this email, I was told that the credit limit on one of my credit cards was being reduced by {$5000.00} dollars. When I called their customer service line, I was told by both the front line customer service representative as well as the senior customer service representative that there was no means to dispute the change. This reduction is in addition to their decision several years back to completely close one of my credit cards ( again with no means to dispute ). In both cases, I have been clearly qualified to maintain my account at the level it was at in terms of income and history of repayment. 

My complaint in both situations is this : by allowing a credit card company the ability to make unilateral decisions to reducing credit limits and close credit card accounts, with no notification or forewarning and not allowing any dispute or reversal options, these companies are negatively impacting the personal credit scores of their customers. In addition, for those like myself who use these cards as an option for funding emergencies, that option is impacted or completely removed. Especially during a pandemic, one would hope that a credit card company would at the very least refrain from impacting someone's access to emergency funds, but that appears not to be the case. Even outside of a pandemic, this should never happen. 

Ultimately, I signed the terms and conditions of the card, and this is something that I should have known about. With that being said - how is someone expected to read the 5-10 pages of the terms and conditions retain every minute detail? And when the terms and conditions change nearly every year, how is one to be expected to remember whether something has changed or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank credit card account was paid in full and then they still charged monthly interest.

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 2020-08-22 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: CCS Financial Services, Inc.
State: DE

Complaint narrative:
This account was paid with the understanding that it would be removed. It is still reporting on my credit report. I have taken care my part of the bargain and they have not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
My issue with Receivables Performance is that they keep on resetting a date on my credit report and my credit has been dropping. These people are doing this purposely every time my credit score goes up. Its not the first time they have done this. I have had no contact with this company at all. My debt to XXXX was close back in XXXX 2018. Ive also come to believe that Receivable Performance is checking my credit score without my authorization! I have complained to TransUnion but they did not do anything about it. I will escalate things further and take action against this company for Illegally and purposely affecting my credit score. I dont have and have not open any accounts with them recently. They need to stop harassing me. That is Illegal.

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 2020-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX XXXX, 2020, we wrote by regular mail to Citibank to close a money market account held in trust for our son. We wrote at that address given to us by a Citi representative. The account was inactive and held a balance of approximately {$150.00}. Citi ignored the letter and proceeded to debit the account each month for a {$30.00} servicing fee. We tried calling but were put into call cues where we waited for 40 minutes before our call was dropped. When we finally got through, we were told to write another letter. We wrote a second letter on XX/XX/XXXX by Certified Mail to the former account relations XXXX who had handled our other accounts, asking for his assistance to close the account and avoid further debits. We got no response. Citi is now demanding we cover a negative account balance - {$22.00} caused exclusively by their debiting their {$30.00} per month servicing fee over an inactive account that had a nominal balance, on an account which we twice instructed them in writing to close months ago. 

We want the account closed, the balance restored to the XX/XX/XXXX balance, and that balance remitted to us.

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