vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: NY

Complaint narrative:
XXXX XXXX is putting consumers at severe risk of losing their hard-earned money. I submitted a check through their mobile deposit. I followed the instructions for depositing EXACTLY. Then I get a notice that my deposit has " failed ''. There is no further information in the message, only to call them if I have any further questions. When a check for thousands of dollars " fails '' they should provide an explanation. Further, they require customer to endorse the check to say that it can ONLY be deposited to XXXX XXXX, so when their systems " fail '', that check can not be deposited anywhere else. They do this to trap you into their system but their system DOES NOT WORK. 

After I waited on hold to speak to someone for more than 10 minutes, I get XXXX in the Delaware office. When I tell her I will be filing a CFPB complaint, she put me on another hold and spoke to the Account Specialist XXXX who told that it was rejected by their " verification '' system and was never cashed and that they use their own verification system because they are an online bank. A SYSTEM SHE DID NOT CARE IN THE LEAST DIDN'T WORK. 

They have absolutely no regard for the fact they are holding peoples livelihoods in their hands and they don't care in the least who they hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: CA

Complaint narrative:
On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.

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 2019-03-18 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: KS

Complaint narrative:
XXXX, TransUnion, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report XXXX without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my 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 2019-03-18 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: KS

Complaint narrative:
XXXX, XXXX, and Experian need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my 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 non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a chapter XXXX bk in XX/XX/XXXX. At the time XXXX XXXX XXXX stated the amount owed was XXXX, XXXX. Through the chapter XXXX bk, this amount was settled in full. My wife attempted to call them today XX/XX/XXXX and back in XXXX to get our title from them. However, they are saying that we still owe a balance. Our bk was discharged on XX/XX/XXXX with no response from this lender contesting the Trustee 's Final Report. We'd like to have our title to our vehicle that may we may move on with our lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying and paying and paying for years to this XXXX loan servicer and all my balance does is increase! 
NAVIENT LOANS. 
I pay {$200.00} monthly and less then {$40.00} goes to my principal. The rest ( {$160.00} ish ) goes to interest. But unbelievably, that isnt enough interest to cover the monthly interest charge and I currently owe more then my original principal! 
XXXX! 
I have called more then once about this only to receive the run around. I have asked to send extra money monthly to just go to my principal, but they say it is not allowed and will just be part of my next payment. 
I need help with this! Im debating speaking with an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I applied for a credit card on XX/XX/2019 at XXXX XXXX XXXX administered by Synchrony Bank. It was approved for only {$250.00}, I requested a credit increase it was denied on XX/XX/XXXX and again on XXXX. They pulled my credit report on XX/XX/2019. I have an excellent credit history and this rejection is unfounded. I questioned the denial and I was told " it was denied '' with no valid rationale.

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 2019-03-19 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/19 I got rejected for a loan with Marcus  by Goldman Sachs Bank USA. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has checked my credit every month for one ( 1 ) year. I never authorized Capital One to check my credit nor have I applied for credit with them. My personal information was obtained illegally and with this, my social security number was compromised and XXXX and XXXX accounts were applied for with my information. 
Several times I attempted to contact Capital One XXXX and after I tell them what my issue is, I am placed on very long hold and then the representatives disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Had previous issues with NOT receiving billings, not being notified issue with my account and payments paid not being taken out as keyed in. Had to pay XXXX XXXX  account on XX/XX/XXXX via registering my bank account and keyed in payment of {$53.00}, so that I could pay account in full by XX/XX/XXXX ( equal payments for three months ). However, wasn't notified that payment NEVER went thru, until received email saying check my statement today, XX/XX/XXXX. Saw, when finally go into account online, that I was being charged {$27.00} late fee. Called Macy 's and was told wouldn't reverse fee per supervisor. Asked again as issue was with THEIR system not taking the payment out I designated and had to register for. Then told supervisor would only allow {$14.00} to be reversed. Stated needed to speak with someone to contest this as I was NOT responsible for their system issue. I did everything I was supposed to to set up the payment and that I HAD paid as I have a checks and balances system, so that when a payment is made I check it off, and it showed on my calendar that the payment was made. The supervisor then got on the phone line and stated we were being recorded for COLLECTIONS!!! So I am contesting the {$27.00} late fee, and any negative statements sent by Macy 's to the credit reporting bureau. I wish this to be looked into and the fee reversed and any derogatory remarks removed from my credit report, as the statement says I have till XX/XX/XXXX to make a payment.

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 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Opened a complaint last month. Company said it was resolved but it wasn't. I have a line of credit with two promo rates. One is fixed for five years, the other promo rate lapsed at the end of last month. I took an additional draw to use to pay down the lapsing rate ( which would be higher than the fixed rate ). The company applied the payment to the lower interest rate ( so they could collect more interest income ). I specifically asked for them to apply it to the higher rate. Initially they said they couldn't so i filed the complaint. After the CFPB complaint the compliance officer said they had applied it to the appropriate note however upon checking, they did not.This has become a pattern of consumer abuse. Luckily I work in the financial sector and am savvy enough to realize their deceptive practices however I fear for other consumers that have less experience in this industry. This treatment is nothing short of predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
sent ftc violiotion its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On or about XXXX, CACH LLC by and through their attorneys XXXX XXXX XXXX XXXX XXXX, served or caused to be served on this honorable consumer and his employer a writ of garnishment in connection to a judgment CACH LLC obtained in the XXXX A district court of XXXX on or about XX/XX/2012. 

CACH LLC was without an assignment of the alleged debt in the trial court action. That deficiency was overlooked by the trial court judge. 

CACH LLC is not now, nor have they ever been licensed to collect debts in the state of XXXX. 

This consumer has ordered verification of CACH LLCs unlicensed status with the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear Sir or Madam, I have been a loyal Capital One customer since about XXXX. I hold the following accounts with Capital one 1. CD 's 2. Checking 3. Savings 4. Money Market. 

All my accounts were closed Monday, XX/XX/XXXX via email stating the following. 

Well be closing your account ending in XXXX on XX/XX/XXXX, because principal owner ( s ) have past, present or pending legal action. 

Remember, when you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. 

Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Re-direct any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/XXXX if youd like. Otherwise, well close it and forward your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, please stop by a Capital One location, or give us a call at XXXX-XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) from XXXX XXXX. to XXXX XXXX. ET any day of the week. 

As a follow up I did call Capital One and after being shuttled from department to department was finally advised that Capital One has made a management decision to cease ANY/ALL business relationships with me and will be furnishing NO details on why they have come to making this decision. 

I do not have any outstanding legal or court cases and would much appreciate your help with getting the details on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX was given notice via an affidavit to update my personal information. XXXX has choosen to sent me a returning letter on XX/XX/2019, received XX/XX/2019 stating that they would not complete this request. My dispute was very clear and factual. 

This is a violation of the FCRA for XXXX to refuse to investigate inaccurate information on my credit report. 

The affidavit that was sent was a numbered list of points that must be addressed. From the date it was recieved, XXXX still has 30 days to correct or response with an affidavit of their own or XXXX will be in default. 

As a consumer, I will pursue XXXX in Court if it chooses to violate 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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax refuses to disclose my free credit report to me without my sending them my driver 's license and social security card copies through US mail to their XXXX office. The other credit reporting agencies ( XXXX   and XXXX  ) released my reports online through their website. After several attempts of calls of providing who I am, Equifax will not even tell me why they won't give me the report unless they have my license and SS mailed to them. What I am failing to understand is how does this help them to mail me my credit report back through US mail? 
I applied for a car loan in XXXX and Equifax yielded an extremely low score when my FICO is over 740. This caused me to get a high interest rate. I am asking for my credit report to see what the problem is, and I would like it to be adjusted. I had a credit card stolen in XX/XX/2018 and I was issued a new one, paying on time for 3 months now. Auto lender said this could have been a problem with Equifax. 
My bank said my new credit card has been recording all of my payments on time and there has been no negative issue with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Lincoln Educational Services Corporation
State: IN

Complaint narrative:
Lincoln tech is reporting 4 missed payments and I'm paid in full. I was only late one time. I've called them and ask them to change the way they reported. They would not help me. 
Late XX/XX/2019 Paid in full XX/XX/2019 Still reporting opened and late 4 missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XX/XX/2018 XXXX  XXXX XXXX acct XXXX decided to sell my home loan to another company called carrington mortgage services acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I've been working toward cleaning up my credit. When I recently received a credit report I noticed that my previous mortgage was being reported incorrectly. I then started working with a credit repair company called XXXX XXXX. They disputed my Mortgage results from XXXX XXXX XXXX XXXX. XXXX and XXXX fixed both the Payment status and creditor remarks. Experian has not updated this information. I've disputed this information through experian twice already. Still nothing has changed. The first dispute response was report # XXXX for XX/XX/XXXX. The second dispute response was Report # XXXX for XX/XX/XXXX. 

Currently XXXX and XXXX report Current in payment status. In Creditor remarks XXXX   reports Foreclosure discontinued and XXXX  reports Account Paid after foreclosure started, In payment status Experian reports Foreclosure and in creditor remarks credit grantor reclaimed collateral to settle defaulted mortgage. This information is incorrect.

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 2019-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.

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 2019-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX  and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/XXXX. I have been current every month please fix this issue.

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