vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. National Credit Adjusters willfully and willing re-aged this alleged debt knowingly violating the consumer laws for the FDRA and the FDCA. Re-aging a alleged debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: CA

Complaint narrative:
In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.

Per settlement, All U.S. consumers can now get 7 free Equifax credit reports per year through 2026 by visiting  XXXX. 

I visited the above website to request my free credit report from Equifax, and was presented with 4 questions to verify my identity.

The answers to all 4 questions were not applicable to me, so I answered " none of the above '' for all 4, and was denied the report.

I thought maybe the computer had a glitch, so I tried again an hour later, and was presented with 4 bogus questions again. 
My wife also tried with her info, and also got 4 bogus questions. 
The questions appear to be randomly generated and don't apply to me, hence it is impossible to provide correct answers. 
For example, I was asked about my student loan even though I have been out of college for over 30 years, and never had a student loan. Most college students didn't need student loan in the XXXX. 
I was asked about my car loan from last year, even though I have not purchased a car in the past 10 years. None of these alleged accounts existed on my credit report, issued by Equifax electronic from 2 years ago. 

I suspect that Equifax is shying away from their responsibility to provide " 7 free Equifax credit reports per year '' by deliberately causing identity verification errors for the requester. 

From the same website, I passed identity verification from XXXX XXXX and XXXX very time. But failed with Equifax every time, after multiple tries. This is very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX will not remove this false statement of XXXX. XX/XX/2016. I was with XXXX at the time and I asked XXXX for a quote and I never accepted their insurance so they billed me for the quote. I want this removed imediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Hi there my name is XXXX XXXX XXXX made a credit card payment of {$50.00} a couple of days ago. My payment date is XX/XX/2020. A few minutes ago I logged in to make another {$25.00} payment. It won't let me make another payment until XX/XX/XXXX. 

The two screenshots show the bank says my payment is due on XX/XX/XXXX but the next available payment date is XX/XX/2020 I am complaining about this because I am also having an issue with my ATM card at XXXX XXXX XXXX. It's an entirely new complaint completely separate. I had just complimented fortiva for surprising me with a credit increase before I made my monthly payment. If I can't get to the bank to get cash I can't put gas in my car and I can't work. It was very helpful. Unfortunately I am uncomfortable and needed to make another {$25.00} payment for security I have no idea when I'm going to be able to correct XXXX XXXX XXXX The bank 's name is fortiva.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Southwest collection services is initially requested XXXX on XX/XX/XXXX Account number XXXX I returned device for final download on XXXX XXXX Which I was credited back my total amount to low cost interlock Creditor number XXXX Has been settled and on XX/XX/XXXX XX/XX/XXXX I contacted Southwest collection. And they are trying to collect XXXX Since said call they have been adding or adjusting the amount. I have disputed Im contacting you next I will go to Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. I contacted Cavalry Portfolio Service and notified them that the account they are trying to collect is a result of the theft. 
It's now more than 30 days later and the account still appears on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. I contacted XXXX XXXX XXXX and notified them that the account they are trying to collect is a result of the theft. 
It's now more than 30 days later and the account still appears on my credit files.

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 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
I think it's important to note that I've had a credit card with Bank of the West for seven months before this happened. 

I was solicited by Bank of the West to open a checking and savings account. Because of COVID, I used the online account opening process. My accounts were initially opened in about 3 hours, and I was going to go make my opening deposits in the branch the following day. 17 hours later ( thankfully, before I wasted time sitting in the drive-thru, or then I'd be really mad ), I received an email that my account ( s ) were being closed " based on a secondary review. '' Since the employee had no other data than what would show on a consumer report because there hadn't been any transactions, and I doubt the employee did it just because he felt like it, there was most assuredly a requirement to provide me with an adverse action notice stating the credit reporting agency that was used and the REASON as required by the FCRA. 

I've heard of customers that can't get any account, only a savings account, a savings and checking, but I've never heard of anyone with a positive credit account at a bank being denied a checking account. 

There's another story on here where a customer was told to drive to a  branch to get things fixed, and it wasn't. I was told something similar. " If you open the account in the branch, you might be able to get an account because they use different procedures. '' I called the branch, and was told, " Don't bother. It'll just get closed again. '' These people will shut you down, and it will be inconvenient, costly, or ruin your credit. I was lucky in the sense that it happened before I made my opening deposit. If they'd have done it afterwards, I'd have been in a world of hurt having to wait for them to take their time refunding my opening deposit.

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 2020-09-06 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today is XXXX XXXX, XXXX - XXXX - XXXX as informed notice of action with three credit reporting agencies XXXX, Experian, and XXXX refuse to report on a minor under the age of ( XXXX ) with required documents provided currently. On XXXX XXXX, XXXX - XXXX - XXXX the consumer made a request for minor under ( XXXX ) credit inquiry and/or statement letter response of no such account exits pursuant to the ( FACT ACT ) presently. All three credit reporting agencies XXXX, Experian, and XXXX all denied ( FACT ACT ) rights with no response to the issue. Gracious! [ XX/XX/2020 ] XX.

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 2020-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/2020 I discovered a collections reporting on my Equifax report that wasnt mine. I sent a validation letter to the collections agency and they sent back a document with a forged signature and a date of birth that didnt match mine. I disputed with Equifax and asked that they send proof of the account being mine. They removed the account then it returned in XXXX. I filed an FTC report and mailed Equifax a copy via certified mail. They removed the account but then it came back again. I called and was told it came back because the company is still reporting as mine but since Equifax had the FTC report on file I was told it would be blocked from returning. Now Im trying to buy my first home after experiencing identity theft and homelessness and the collections has returned to my Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
While reviewing my credit report, I noticed a collection account in the amount of {$810.00}. I have attempted to write the company to validate this debt but has note received a response. I have proof that the company received my certified letter on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: Credit Card Acquisitions Group
State: DE

Complaint narrative:
On XXXX I received a call from someone claiming to be attorneys office asking if I seen most recent credit report where XXXX XXXX XXXX was added to my report. I stated no and was told I still had a balance that a lien was put on my house for the amount owed. I stated I wasnt aware of such and I would have to look into as the loan was paid. I was given no options other to pay right then. I checked my credit once I got home from work to find this on my credit. I went to dispute it through the credit bureau and it came up it was disputed in XXXX which is odd if I wasnt aware of this and it was showing it was added to my report in XXXX. I believe this person who claimed to be an attorney could be a scam looking for money may have had this so called disputed through their company knowingly i would dispute it through the credit bureau so i couldnt do anything with it and have to pay. However they offered me no other information on this account. So Im looking to dispute this on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NJ

Complaint narrative:
o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. 
o Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. 
o Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. 
o I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. 
o I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests.

o I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.

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 2020-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I was given incorrect information regarding my loan forgiveness and was told that I could receive XXXX  loan forgiveness on my FFEL loans while pursuing public service loan forgiveness on my Direct loans. The loan servicers, fedloan and AES, have BOTH contacted me via email saying that I could pursue both programs concurrently, but I had a 3+ hour phone conversation with three different lenders who told me that I could NOT pursue both concurrently. My initial request was denied because the servicer could not read section 5 of my application, and I left it alone/requested cancellation once I found out that I would mess up my PSLF progress. I received an email on XX/XX/2020 stating that my FFEL loan was in forbearance for review of the TLF application which I did not submit. I was told there was no application in process and I requested that the company stop processing any application. I have yet to receive ANY correspondence on the matter that is relevant besides the irrelevant email answer I received with incorrect information. I am disgusted at the lack of correct guidance that these companies gave me and lack of accountability. When I initially brought up the incorrect email info with fedloan, they simply said " oh, we can send you an email with the correct info ''. No apology, no offer to correct or clarify the process for the future. These companies are out to XXXX over the typical, responsible consumer, and I am appalled at the care I have received. I work very hard in a low paying XXXX  job in a poor area so I can receive some respite for my astronomical amount of loan that I was conned into as a young, naive teenager. The least I could request is that someone actually CARE and be helpful when I ask seemingly simple questions. I wish I could pick another servicer and was not stuck with these robotic, uncaring companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I paid {$800.00} for a {$5000.00} loan. 
{$200.00} was for ppi registration, {$600.00} was for interstate fees.now thay want me to pay {$400.00} for XXXX XXXX transfer fee. Start date XX/XX/2020.

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 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
On two occasions, once in XXXX and once in XXXX, I believe, at the recommendation of coworkers, I opened a checking account with KeyBank and funded them as per my obligation to do so. 

Within a short period of time, my accounts were closed and I was told that some information couldnt be verified. 

Therefore, the accounts were closed without my notification and my funds were held by KeyBank. A total of close to {$200.00} was held.

I had to make numerous calls to get my funds returned because KeyBank couldnt locate my accounts. Poor record keeping! 

On XX/XX/XXXX, I went to my local KeyBank branch to again, attempt to open a checking AND savings account. I thought all was well this time around. 

On XX/XX/XXXX, my employer directed deposited {$500.00} into my checking account and on XX/XX/XXXX, my {$500.00} was gone! My paycheck, my livelihood, was gone!

I called KeyBank and was told a restriction was placed on my account, so my {$500.00} was being held due to negative banking history. Unless this is a tactic to not give me the {$200.00} promotion???? 

I asked to speak to someone in the fraud department and was denied that request and was told by customer service that theyre not allowed to speak to me and that I had to visit my branch. 

What negative banking history could I have had, when it was KeyBank who closed the accounts on me and held my funds and made me jump through hoops to get them back? I barely had a week to use those accounts before they were closed on me! So how could I have done anything wrong???? 

I want my {$500.00} and the combined {$20.00} in my checking and savings account returned to me immediately! This isnt the time to be stealing money from clients. I could have gone to XXXX  but because the municipality I work for recommended KeyBank, thats why I went to them! 

Now Ive had 3 bad experiences with KeyBank! 

I want this matter resolved ASAP! I have no issues publicly voicing my experiences with KeyBank to prevent this from occurring to anyone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I was in a car accident in XXXX XX/XX/XXXX. 
I had paid monthly payments on time. I had paid about {$8000.00} or more before the accident to Credit Acceptance Corp XXXX XXXX XXXX. 
They sent it over to attorneys XXXX XXXX XXXX. The insurance company said they paid the car off. 
The adjuster XXXX XXXX XXXX XXXX ext # XXXX Clm # XXXX. 
I won't this off my credit report because they saying I still owe a little over {$3000.00}. I'm on XXXX. I've never not paid a car off. The adjuster lied and got over. I only got {$1200.00} n the passenger got XXXX. We both was hurt.

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 2020-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to use the score boost on experian but run into a security issue while logging into my bank through experians website. this is incorrect as i am correctly entering all security information to allow access to my bank. when i call experian the automated system hangs up on me after it verifies my identity but refuses to all me to do anything besides report fraud or request a credit report. for something which drastically effects my life and well being as my credit score, id like to be able to talk to someone. now. it is incredibly ridiculous that you stomp on us consumers like this while turning a profit off our backs.

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 2020-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I received a notification on my credit report from Sequium Asset Solutions for XXXX dollars I didnt receive no letters or calls from said company The person who added the new account was XXXX XXXX the phone number is XXXX ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NJ

Complaint narrative:
The debt was settled in full with the original creditor XXXX XXXX on XX/XX/2020. The proof of the same was provided to Hunter Warfield on XX/XX/2020. I also spoke to the collection agency and explained the matter. Yet they have reported this to the various credit reporting agencies.

Company response to consumer: Closed with explanation