vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one has been my one and only general credit card service provider. I started with the lowest tier credit card. The card was opened in 2014. My payments have been on-time since then up until this very minute. Two years later, after holding a conversation with a customer service rep, I was offered an upgrade to the highest tier card and I accepted it. Now, they have since introduced a new card and I am inquiring on a conversion upgrade and was told that I am not eligible. I have asked numerous representatives why and still have received no response. With my account history, there should be no reason for me to be ineligible. I have been told constantly that my option are to apply for the new card and have stated that I should not have to apply for a new card. Clearly, their system factors criteria such as race, age, sex, and credit history as a basis for a final decision. Since, my credit history can not be the issue then evidently, I am concluding to believe that my denial is based off of race, age, and sex. My belief is also reassured when they instruct me to apply for the new card. I am a young XXXX male with a great and very impressive credit history so this organization wants me to apply for a new card that I have evidently earned because they want me to add an inquiry and a new card to my credit report and/or illegally and purposely deny me for a new card to attack my self-esteem and character while still leaving me with a negative impression on my credit card that will slowly degrade my social advancement in some shape or form. This is a very simple approach that they are taking which has been used redundantly to slower the advancement of the XXXX race all while waiving a white flag screaming " we are not XXXX '' and giving credit cards to other young XXXX men who normally have no means to repay their credit card debts, but when one young XXXX man figures it out and handles a credit card responsibly, they stand firmly to force men like us back into the cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
Hello, I have called XXXX XXXX XXXXk on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
Hello, I have called XXXX XXXX XXXX  on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I called them today to have them change the address. They refused to accept the info to send me new card since this card was expired. The card was from XXXX  XXXX for the XXXX... money goes into the card for medical purposes so when I tried to use it last XXXX or XXXX, 2021. It was not working. The money is still there..about {$330.00} or under. The call staff wont mail me the new credit card and wont change my current address. They have my old address which I do not even remmy which address they had. They refused help me further and are WITHHOLDING MY XXXX MONEY! My own money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. The reporting of these account is a violation of XXXX XXXX XXXX, and the Fair Credit Reporting Act " XXXX XXXX XXXX a XXXX b '' ( See below ) Exclusions Except as provided in paragraph XXXX, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a XXXX tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I, the consumer, trying to exercise my rights to validate a debt, and the National Credit Adjusters debt collector is not responding. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MA

Complaint narrative:
I have sent Experian XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within 30 days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.

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 2021-11-23 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: MO

Complaint narrative:
Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as 30 days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to XXXX hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as 30 days late twice. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the two 30-day late payments with the Credit Bureaus as that was not my fault for nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: CO

Complaint narrative:
The credit karma card was sent to me. However, there was no way for me to edit the text nbr that they have. It was old text nbr. I can not even change the text nbr and tried to find a way to reach credit karma. A live person was no where to he found. I submitted the info to change from old text to new text nbr, but ... this credit karma wants more info. I am not comfortable with giving private info thru email and prefer to speak to people thru phone to help me as a customer with the card to activate! There is no live person! This is same as XXXX ... no way to communicate with people in live persons. This is frustrating!! I need my XXXX card to be activated! And need to change my text nbr and bank info. They have my old bank info!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Bank of America settlement check from XXXX was issued to me in the amount of {$1900.00} XX/XX/2021. I went into Bank of America and requested to cash the check and make a deposit into my account on XX/XX/2021, and the teller made the mistake of crediting the check to my account which had a negative balance at the time of my intended deposit. The branch manager XXXX XXXX had authorized the teller to do a counter credit for her error, and correctly cash the check as I intended and instructed me to deposit the cash in the ATM for funds to be available immediately. On XX/XX/2021 my account was charged a {$12.00} return charge fee, along with returning the full amount of the check of {$1900.00} stating the check was fraudulent leaving my account with a negative balance of - {$1100.00}. 

I spoke with the XXXX adjuster who issued the check, XXXX XXXX, and he assured me funds were good and the system shows the check has been cashed. On XX/XX/2021 I went back to the branch I cashed the check at and spoke with branch manager XXXX, he then called Bank of America specialist who could fix the mistake in its entirety. Said funds for the full check amount would be back in my account within XXXX business days, Tuesday XX/XX/2021 at the latest and apologized for the grave mistake. 

It is Tuesday XX/XX/2021. I have not received my money and I have been unable to get a hold of the branch manager who assured me the mistake would be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I spoke with 3 members of Chrysler Capital about the Title and the retail installment sale contract/purchase money loan and violation of the down payment. Members names and ID 's are the following : XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX - executive office manger I informed the 3 members that I noticed " billing errors '', " fraud '', " deceptive '', " misleading '' and false representation of the character and amount in the " purchase money loan '' pursuant to 16 CFR 433.1 ( d ). Also, I informed the 3 members of Chrysler Capital that the Title should be granted LIEN free. As of XX/XX/2021 Chrysler Capital is in receipt of my " Cease and Desist letter ( 15 USC 1692c ( c ) ) '', " Debt Validation Letter ( 15 USC 1692 ( g ) ) which chrysler capital needs to send me a written notice containing the following ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I was asked to provide master condo hazard insurance coverage document for loan XXXX which i did ( XXXX certificate XXXX valid for XXXX ). Upon checking my escrow account I found that initially there was a charge of {$2900.00} on XX/XX/XXXX for a lender placed insurance and later refund of {$2400.00} on XX/XX/XXXX when Flagstar bank received the master condo policy. I was told the remaining charge was due to lender placed insurnace for not having proof of insurance for XXXX. I also uploaded the master condo hazard policy for the period XXXX ( XXXX certificate XXXX ) on XX/XX/XXXX. However Flagstar bank has not issued the refund for {$470.00} yet. I have called the customer care helpline XXXX times but there is no resolution yet.

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 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
WHAT SN SERVICING IS FAILING TO REALIZE IS THAT I AM XXXX YEARS OLD. MY HUSBANDS INCOME WAS THE ONLY SOURCE OF INCOME ALONG WITH MY DAUGHTERS INCOME. AT XXXX BECAUSE THE LOAN IS UNDER MY NAME I HAVE TO MAKE INCOME TO SAVE MY HOME OF MANY YEARS. AT XXXX YEARS OLD HERE I AM CLEANING HOUSES, WASHING CLOTHES, IRONING CLOTHES, ANYTHING TO GET BY. I AM JUST UNTIL NOW STARTING TO MAKE MONEY AND CAN MOVE FORWARD WITH MAKING MY MONTHLY MORTGAGE PAYMENTS. I HAVE NOT OPENED A BANK ACCOUNT AS I REFUSE TO PAY THE BANK {$15.00} A MONTH TO PROVE MY INCOME TO SN SERVICING. I CAN USE THOSE {$15.00} TOWARDS THE MORTGAGE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MO

Complaint narrative:
Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as XXXX days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to Covid hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as XXXX days late XXXX. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the XXXX XXXXday  late payments with the Credit Bureaus as that was not my fault for nonpayment.

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 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: TX

Complaint narrative:
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of First Progress Card and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with First Progress Card began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with First Progress Card. I have also been a customer in good standing since XX/XX/XXXX and paying my account in a timely manner. However, in XXXX XXXX and XXXX and XX/XX/XXXX. I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i filed a complaint already with the XXXX back in XXXX of XXXX  bank of america has not responded and if im not mistaken, bank of america had XXXX days to respond. its nearly XXXX months pass the deadline. i dont know what to do next. i need 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 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2021 our home loan was excepted into a modification plan for missed payments due to XXXX. We were placed on a XXXX month trial with the first payment due XX/XX/2021. In XX/XX/2021 our loan was transferred to a new servicer ( ShellPoint ). I made several attempts to make contact with Shellpoint regarding my XXXX payment that had not shown on our account, I was on hold for as long as XXXX minutes and then be disconnected. When I was finally able to speak to a representative I was informed that my modification had been cancelled for lack of payment. I explained to the representative that I was not notified of this. As I investigated further Shell Point has been sending my statements to an address that I have never been associated with. Even after bringing this to ShellPoints attention, they continue to send my personal information to other addresses. On XX/XX/2021 I discovered that they have sent another statement to the wrong address. They will not except my monthly payments to all back payments are made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I received a debt collection letter from afni, Inc. for money owed to XXXX XXXX XXXX. 
I do not have an XXXX XXXX XXXX  account. 
I am not behind on my bills now and never have been behind on any bills in the past. 
I am turning XXXX years old next week, and other than a small car payment, I am debt free. 
I do not have an XXXX XXXX XXXX account. 
There is no way that this is my debt. 
I believe that this is a scam.

Company response to consumer: Closed with explanation