vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX I submitted my form to FedLoan Servicing for Public Service Loan Forgiveness. I have made the required number of payments, and submitted the form correctly online. During a conversation with customer service, I was told that it can take months to process the paperwork, so I continued to wait. After still not seeing any movement on my account, I called back in XX/XX/XXXX, and was told that the entire program was on hold indefinitely during the pandemic, and that I should have received correspondence about this ( I did not, nor was I able to find any documentation online about this program " freeze '' ). I called back last week, and was told that although the program is up and running again, the paperwork I submitted was not processed correctly, and the form I had used was no longer in use, so I had to resubmit. Please note that the form was set to expire in XX/XX/XXXX, yet when I submitted in XX/XX/XXXX, the form the website said to use was the expired one. I asked to talk to a supervisor, who assured me that since it was an error on their part ( about the form being improperly processed, and just sitting there in the wrong " pile '' not being worked on ), they will allow me to use the same form. However, this week I received a letter stating that my application was being denied because more than 60 days has passed, and they need verification that I am still with an eligible employer. I am an XXXX XXXX single mom in the XXXX XXXX, we can't just up and quit our jobs. So now I am having to resubmit paperwork and wait even longer for resolution. None of this would have happened if they had properly processed my form the first time. I am extremely concerned, because after doing some research it seems like this company is doing everything in its power to make sure nobody can get their loans forgiven. It makes no sense for them to say that it takes months to process an application, and then turn around and say too much time has passed for them to make a decision, we have to resubmit the paperwork. When does it end?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: VA

Complaint narrative:
Flagship credit is calling and harassing me several times a day, I was told they would set up a payment so i wouldn't be behind but the calls are annoying and I have tried to get caught up but they won't stop calling about ten times a day.

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 2021-04-15 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: AZ

Complaint narrative:
equifax has my date of birth wrong. 
Your last response was to tell me to call or " log in. '' with the equifax solution. Please understand that if your date of birth is wrong you can NEVER GET PAST THE VERIFICATION STEP. Even after I send in ( 4 times- XXXX via certified mail ) ) copies of all proof of data, equirfax will not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Key 2 Recovery, Inc.
State: WA

Complaint narrative:
This is a follow up to CFPB complaints XXXX and XXXX regarding debt collector Key2Recovery where its representative states : " ... someone stole her identity they would first have to construct erroneous high school transcripts, fraudulently take the XXXX exam using someone elses { sic ] name, apply to the institution of higher education ( XXXX XXXX XXXX in this instance ) in the hopes of being accepted. If accepted, they would then have to enroll for classes and pay the tuition and fees and attend classes all with the questionable intention of obtaining a diploma in someone elses [ sic ] name to secure gainful employment as another person ... '' 1. Clearly, this statement indicates the company did indeed act as an authorized third party and initiated contact with someone at XXXX XXXX XXXX to gain access to personal records with neither my knowledge nor my consent in violation of Fair Debt Collection Practices Act 15 USC 1692c 805. Communication in connection with debt collection : " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' 2. Moreover, the address and personal information on all correspondence from the debt collector came directly from government documents from XXXX XXXX XXXX, which is protected by the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. 

3. Finally, I am a current respondent in the ongoing 2017 Equifax Data Breach Settlement where my credit information is currently monitored. It is very irresponsible for a creditor to mock or otherwise dismiss the severity of data breaches that compromises one 's personal. Bottom-feeding companies, such as Key2Recovery, care only about their increasing their profit margins by any means including data breaches, identity theft, and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
IM NOT UNDERSTANDING WHY MY COMPLAINTS KEEP GETTING IGNORED. ALSO I WOULD LIKE TO UNDERSTAND HOW SOMEONE IS STILL ABLE TO APPLY FOR ANYTHING IN MY NAME WHEN I HAVE A FREEZE ON MY XXXX REPORT PLEASE REMOVE THESE HARD INQUIRIES AND COLLECTION ACCOUNT FROM MY CREDIT REPORT 

names
XXXX XXXX
address
XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX TN XXXX 

INQUIRIES 
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

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to Portfolio Recovery Associates LLC. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

Portfolio has removed both accounts from the credit report under the " Collections " section but XXXX still shows this account as delinquent under the " closed account " section of my credit report. 

I called XXXX regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PenFed is not responding to my requests since XX/XX/2020. I have called written letters and email but PenFed is failing to abide by our agreement and protection my PII. 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/2020 United States Mail Confirmation Receipt Requested Notice of Error and Request for Information Attn. XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX XXXX Account / Loan Number XXXX Dear Pentagon Federal Credit Union ( PENFED FCU ), This letter is a follow up to my telephone call to you in regards to my personal identifiable information ( PII ) being disclosed to unauthorized persons by PENFED FCU. I recently informed PENFED that my mortgage loan statement were placed on the internet that you mailed to an incorrect address without my request. Your actions have caused me and my family harm. I request an answer to the following questions. 

Q1. Why did PEDFED change my mailing address and send my mortgage statements to an incorrect address without my request? 
Q2. How long do you maintain copes of my telephone call or transcripts?

Q3. Has PENFED reported any fraudulent activities in regards to my account to any law enforcement agencies? If so, please identify. 

In closing, I am very concerned that you deliberately sent my PII to an incorrect address without due regard for my families security. I request answers to my two questions pursuant to Federal Law. I also request all protections afforded me under the Federal Servicemember Civil Relief Act, Florida Servicemember Protection Act, The Federal Credit Union Act and Gramm-Leach-Bliley Act as they may or may not apply. 

Regards, ///Original Signed/// 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 explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
On XX/XX/2021 MCM bank contacted my husband and gave personal information such as account number, amount owed dated of specific transaction. Although I have taken care of the debt I believe this is not legal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: U.S. BANCORP
State: CO

Complaint narrative:
In 2011 my husband and I paid off our US Bank vehicle loan # XXXX. We mistakenly did not follow-up with the bank when we did not receive the released title. US Bank is now saying they have lost the title and are refusing to provide a release of lien so we can apply for a duplicate title. My husband and I have spoken to FIVE people at US Bank and they all claim they are working on providing this letter by the most recent representative admitted NOTHING was noted in the file. It's been over two weeks and I am beyond frustrated. My position is my husband and I signed a contract with the bank and we fulfilled our obligations by making the payments and the bank, in refusing to provide a release of lien, is effectively stealing our property. I would like to know if there is a remedy available through your office or if our only recourse is a civil 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 non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On Friday, XX/XX/XXXX I contacted TD bank ( XXXX ) at XXXX XXXX to report that my home had been burglarized and that among other items, my wallet was taken and that I needed to cancel both my debit and credit card. While on the phone with the customer service agent, I informed them that the ATM withdrawals that had occurred overnight were not authorized by me. I also asked the customer service agent for any and all information about where and when the transactions were made, as the police were currently processing my home as a crime scene and needed as much information as possible ( a vehicle was also stolen, so this was not simply a case of petty theft ). The agent provided as much information as possible and informed me that before I could file a fraud claim, I would have to allow the transactions to " post '' and then call back. In addition to my debit and credit cards with TD bank, my wallet contained personal information such as my SSN, birthdate, address, health insurance information, etc. I completed a victim disposition, and was given a police report to bring with me when I called TD bank for the fraud claim. On XX/XX/XXXX, I visited a TD bank in person and explained the entire situation in person to a customer service agent who was by then able to file a fraud claim. I provided the copy of the police report to prove its validity. TD sent me a letter on XX/XX/XXXX stating that because the fraudulent transactions were made using a PIN ( confidential information ) that my claim was denied. However, my PIN is a combination of my SSN/birth date and the fraudster was able to guess it since he had all of my personal information available to him. There is video surveillance of the fraudster attempting my pin multiple times at the original ATM terminal before getting it correct. This is not a case of irresponsibility OR guilt by the bank 's client ( myself ), who entrusted the bank to securely hold funds. This is a case of a criminal breaking into a locked home, ascending a flight of stairs, and burglarizing my home while I was asleep, unaware in another room. The bank is not upholding its simple duty to its customer, who is a local XXXX XXXX and can not afford to be denied access to {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been trying to open an account with Navy Federal for about a year and 1/2 now close to two years. I'm elegible since my grandparents serve in the XXXX and the military. I called federal navy several times and ask for an update on my aplication and through out the years I got the same response that I was ineligible because they couldn't verify my information and that's is just absurdb I sent every document they requested multiple times, I don't understand how can they not verify. 

I sent all the requested information Drivers license W2 Car registration Utility bill Green card Ban statements Today I finally got an answer from a very nice lady that said that once they put an alert that they couldn't verify my information all my aplication for membership will be taken but denied. I asked if there was a timeline for me to apply and she said I could always apply but it would lead to that same decision. 

I provided everything requested and I feel like navy federal had more then enough information to open my account they just have chosen not to based on their own faulty system and wish for them to reconsider and make things right by verifying my information and approving my rightfully right to membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
************Not a Duplicate complaint************** New evidence included since the company wants to act like they dont know ... 


In XX/XX/2017, I was given a loan which was deemed a predatory loan by the attorney general of oregon and was included in a law suit against santander and which was settled. I am entitled to the settlement which was already agreed upon. 

settlement can be seen on this website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX credit card account : XXXX Case ID : XXXX Amount : XXXX XXXX Case : XXXX XXXX XXXX Credit Card file a dispute to XXXX on my behalf. XXXX closed the case in my favor. They notified the credit card company. The credit card company gave me the run around. I had mail them the proof they need to rend or credit the funds of XXXX. They in return gave me another bogus excuse and will not refund or credit the refund.

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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
SOMEONE USED MY INFORMATION TO OPEN THE FOLLOWING ACCOUNTS FRAUDULENTLY : SXXXX XXXX. XXXX XXXX OPENED : XX/XX/2020 AMT. XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/2020 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I tried to send them a letter last XXXX asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/NY & CO is violating the CCRAA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On or about XX/XX/XXXX I was told by Regions Bank I do not get my funds that were wire transferred until next day XX/XX/XXXX as my account was unfortunately overdrawn by {$4.00} although I sold my house and funds were over {$40000.00} wire transferred now I have my XXXX kids and myself can't get a hotel tonight and bank said maybe they will be available at XXXX XX/XX/XXXX bank did not care I am in a hardship with no funds and kids who need to sleep and go to school on XX/XX/XXXX although they have my $ XXXX and this also being a national pandemic COVID-19 that is such a shame for a bank to treat a customer in this manner!!!

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I got approved for the card paid my {$200.00} deposit and week later I magically got denied! Im a single parent who work hard for his money and want my {$200.00} deposit back this is a scam and not fair that stated I was approved then later denied once they took and stole my money

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I'm in a payment plan of {$50.00} a month on file # XXXX held by Midland Credit Management. On XX/XX/2021 I logged onto their online location and followed their login procedure ( requires you to enter file number which is listed above ) and the XXXX proof 4 step process not to be sarcastic just to point out that you can't make 2 payments at once you have to go through the login procedure and 4 step process each time. On XX/XX/2021 I noticed they withdrew 2 payments of {$50.00} each. I immediately reached out to them and they claim they have no record of that file number ( by the way I just made my monthly payment minutes ago to that very file number ). I have contacted them several times now and they just give me the run around, both payments appear on my bank account as going per ETC.

Company response to consumer: Closed with non-monetary relief