vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: WI

Complaint narrative:
I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I set up a payoff with Rushmore and my deadline to pay off was on XX/XX/XXXX. I made a same day wire transfer on XX/XX/XXXX for {$50000.00} to their XXXX XXXX account. They started calling me asking for {$200.00} because I missed the XX/XX/XXXX deadline. They claimed they hadnt received the payoff until after the deadline on XX/XX/XXXX. I emailed and faxed them proof of payoff showing a XX/XX/XXXX pay date. Was told I would get a call back last week or early week worst case and heard nothing from them. Yesterday, I called to get a status as I noticed they refunded me the {$50000.00} back to my bank account. Who refunds {$50000.00} for a {$200.00} problem that they couldve just did an override after showing proof???!! Oh, this company does! The supervisor told me they were still working on it and he had no answers. I paid them in full and they refused to release my deed. Now they refunded my money with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MA

Complaint narrative:
This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from

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 2020-07-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account ( account number XXXX ) is reporting late for XX/XX/2020 and XX/XX/2020 when I haven't been able to use this account in months it had a {$7.00} or {$17.00} balance I paid {$20.00} which covered and should be reporting a {$0.00} balance they are charging me late fees for an account i can't use because they have failed to update my account as they were supposed to after i SENT all documents requested and they won't inform me why my card is flagged as fraud and delayed this case when they had paperwork months ago and now charging me fees for it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I agreed to credit repair service with XXXX for a fee of {$130.00} per month. In return they were to get negative accounts removed from the three credit reporting agencies. After having conversations with two very affable paralegals, none of what they promised, during the conversations, ever transpired. I called yesterday to cancel the service. I was advised that I had an outstanding balance of $ XXXX I told them I would not pay. They said it would be withdrawn from my account. I have a meeting with my bank, XXXX XXXX, to stop payment. 

I feel I have been duped and would like the fees I was charged to be returned. My FICO score went down while they were working on my case. I am in worse shape now than before agreeing to their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I need Pnc to alow federal grants to be deposted in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation.

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 2020-07-10 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: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake is showing still owing a balance which was included in a bankruptcy which ended in 2018. The company when I had the loan was Honor Finance so it must have changed names as it is showing Westlake now. I did a dispute on XXXX  and it did not change

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This account has been closed for if not 2 years almost 2 year and my credit limit before I closed the account was {$4000.00} also it was that same amount until about XXXX of this year and now its about {$3000.00} which removes {$1000.00} of payment off my report and make it look like I havent really paid anything because my balance is {$2800.00} roughly. When I wrote to them about this several times they couldnt give me a good explanation so they ran a hard inquiry without my permission and side it was because of that. But yet the account is closed so my limit shouldnt be touched at all because it not opened for new purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I have submitted several documentations of proof that TransUnion is reporting inaccurate information on my credit report. TransUnion refuses to update the information to report correctly.

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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
My name is XXXX XXXX. I purchased a townhouse in 2007 at XXXX XXXX XXXX XXXX XXXX, MN XXXX. I became aware recently that I had been charged PMI insurance for much longer than I should have been. 

I have requested in writing several times over the years to cancel my PMI insurance. I also called the different mortgage companies that owned the loan many times over the years to find out if I was still being charged and I was told that I wasn't several times. Most recently I called New Rez ... .and I just found out that I was still being charged until just a few months ago. 

I believe I have been overcharged by thousands of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several documentations of proof that Experian is reporting inaccurate information on my credit report. Experian refuses to update the information to report correctly.

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 2020-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several documentations of proof that XXXX  is reporting inaccurate information on my credit report. XXXX  refuses to update the information to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax did not address my issue. 

Heres a timeline of events pertaining to my issue : XX/XX/XXXX - I filed a dispute pertaining to outdated information involving XXXX-XXXX  XXXX  being on my Equifax credit report due to my first delinquency date being on XX/XX/XXXX. The dispute confirmation was # XXXX. 

XX/XX/XXXX - Equifax issued their dispute results and stated We verified that this item belongs to you ... Additional information has been provided from the original source regarding this item. 

My issue is that Equifax did not conduct a reasonable investigation of fairness and accuracy in accordance with the Fair Credit Reporting Act ( FCRA ). Neither can Equifax produce to this CFPB complaint any documents from XXXX XXXX, the original source that my first delinquency date was not XX/XX/XXXX. 

To allow Equifax to continue with another investigation as a method of delay goes directly against FCRAs fairness and accuracy. 

I am now requesting for CFPB to do the following : 1. Request for Equifax to produce the additional information as stated in their dispute results on XX/XX/XXXX that was provided by the original source in a tangible form ( i.e. documents ). 

2. Fully investigate the facts in this complaint to see if Equifax has a pattern of violating FCRA in other CFPB complaints filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2020 I made my monthly payment. I paid extra money on that date expecting it to go to the principle of the loan I targeted. On XX/XX/2020 I noticed it all went into interest. I called them on XX/XX/2020 and was told it has to go to interest. I explained it shouldnt and I paid it on the day due so it would all go to principle. I then asked for a reimbursement of the extra money paid and was told it couldnt be unless the whole payment was reimbursed which would mean I didnt pay for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by XXXX XXXX. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being 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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I called PayPal credit and offered to pay all but the exhorbitant late fees. Actual balance is only about {$350.00}. But because they will not shut the account down and will not settle for actual balance owed, the amount had accrued to {$790.00}. They keep adding {$39.00} per month plus interest. I do not use this credit and havent for over a year. But they will not stop. It is dragging my credit score down and they will not quit the charges. Im willing to pay what I owe but not all the late fees when I have tried to pay them. Even amongst Covid 19 they will not help and keep making it worse.

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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 Midland Funding Original creditor XXXX XXXX XXXX  {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX  XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Hello Digit, LLC
State: NJ

Complaint narrative:
As of XX/XX/2020 I have not been able to save anything using the money saving app called digit. I use this app to save money without having to actually do it myself for pennies on a dollar. Id like to be able to continue using this service.

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
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XX/XX/XXXX my ALLY checking/saving accounts are frozen and I cant use any of the funds amount XXXX. Im experiencing identity theft and I have other authorized accounts opening and I want the ALLY accounts closed immediatelyXXXX to keep my funds safe. This company as refused to close my account or write out checks in the amount of funds available until I send them a email. The email given was XXXX which I sent the request to close my accounts XX/XX/XXXX. What they requested which I recorded because its odd during a identity crisis documentations Request reads as follows my identification card, social security card, and billing letter in my name which I refused. This ally company I opened in XXXX as never once contacting me? After I have called several times, left voice messages for a supervisor, and have sent a email via the 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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I cant connect my debt card and it was already connected

Company response to consumer: Closed with explanation