vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with Bank of America, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from XXXX ( original creditor is XXXX XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Trade Commission Act.

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I obtained a Santander Ultimate Cash Back credit card in the XXXX of XXXX. It promises 3 % on all " qualified '' purchases for the first year ( until XX/XX/XXXX in my case ). Two issues. First I have only received 1.5 % cash back since I have had the card. Second, I have attempted to find out whether any of my very ordinary purchases have not been qualified. I have looked everywhere on the Ultimate Cash Back website to find the definition of qualified and have not found one. Neither have I found the definition of " qualified '' in the paper work I was given upon signing up for the subject credit card.

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 2022-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
Two issues Lender : SPS Servicing Address : XXXX XXXX XXXXXXXX, XXXX RI XXXX XXXX. Shortage in escrow, unsure how. Payments on time ( absent for covid relief, then forbearance to loan modification ). 
I began to make split payment around XXXX, did so for a few months. I believe that SPS servicing made a mistake and put " extra '' payment towards mortgage and not to escrow. Therefore, giving me less in escrow and a not payment " not due " til XXXX.

Id like for the payment analysis to be reviewed and corrected so my monthly payments do not unnecessarily increase.

I do have XXXX  's payment, just waiting to see this corrected before I send out it out. I DO NOT want any this to reflect negatively on my credit report. I'm not late and it was a mistake on SPS, hoping they can rectify it quickly.

2. I received a notice for mediation on a foreclosure from SPS, WHY? I'm not late and don't understand the problem. When I told the person that over the phone, they told me to simply disregard. Absolutely not, this also needs to be corrected in writing as the other issue. 
Please let me know how best to move for with these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-22 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: DC

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-22 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I am a cosigner of a private student loan XXXX - XXXX with Wells Fargo, that has been paid in full then transferred to another bank. 
Wells Fargo has been late on all 3 accounts, due to the Student primary borrower who defaulted in the loan. Six months later, Wells Fargo notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, Wells Fargo transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against Wells Fargo to remove derogatory marks, It has been 7-8 years, as loans was paid in full. Well Fargo denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when Wells Fargo transferred it. 

Thank you for your help 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 2022-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
As I am so the victim of circumstance of a transferred promissery note, I should be considered for loan forgiveness due to the recent Navient lawsuit. 

Per what I have read on the matter, as part of the agreement, Navient vowed to erase {$1.00} billion of subprime private student loans that its predecessor, XXXX XXXX, gave to students who attended for-profit schools, many of whom had low credit scores. Many of these schools have now shuttered their doors. 

You must have borrowed a private student loan from Navient or its predecessor, XXXX XXXX, between XXXX XXXX XXXX  while, of which I did, attending certain for-profit school such as XXXX XXXX XXXXXXXX XXXX 

And speaking of XXXX XXXX  XXXX, On XX/XX/XXXX an absolutely massive settlement between XXXX XXXX XXXX and the Federal Trade Commission was finally settled, under which XXXX agreed to provide {$140.00} XXXX in student loan forgiveness benefits to former students still on the hook with outstanding Federal student debt. 

This lawsuit stems from the same accusations Ive been tracking here for years, that XXXX committed unfair and deceptive marketing practices, giving the impression that the school worked with large national companies to create great job opportunities for students, and tailoring its courses and lessons specifically to help students land those jobs. 

In reality, the FTC found that many XXXX students graduated with poor job prospects, very little actual support from XXXX, and tons of student loans that they were on the hook for, but which they were having trouble paying off. 

Allegedly, XXXX also apparently purposefully targeted their marketing campaigns at XXXX XXXX XXXX, myself included, thus making me a again a victim by scandalous means. 

At last checked Naviant has created some type of double entry on my credit report showing that I owe twice as much as I should. If my loans were prior federal I should have been a part of the government for parents issued by president Biden. Yet XXXX 's showing link that I am past due for over several months making my credit rating plummet to the 4 hundreds. I am not able to refinance my home or purchase a car at a decent rate that I may maintain some standard of livelihood.

Henceforth, As a victim of circumstance, I respectfully request that my loans be reviewed while in forbearance, and my credit report brought current for the Navient lawsuit forgiveness as well as the University of XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I held a Capital One 360 Money Market account that was earning 0.80 % APY. 

On capital ones website, it advertises 360 performance savings account earning 2.0 % APY.

I called into capital one and was informed that my 360 money market account is a retired product that is no longer available, and that I could open a new 360 performance savings and transfer my funds into it in order to earn the higher interest rate.

My complaint is I was never informed that my money market savings product was retired and that it was replaced with a new product earning a higher rate. It seems capital one is purposefully not informing customers in order to save themselves from having to pay higher rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: GA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX  XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXxx XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I applied for a credit card with Bank of America on XX/XX/22 Application ID # XXXX. Shortly after applying, I received a letter from Bank of America stating that they needed more information to process my application and to call the number listed in the letter. When I called, the representative stated that he just needed to verify that I was the person who applied for the card because I had a fraud alert on my report. I verified that it was me and he processed my application. I asked him if I would know if I was approved or not once he was done and he told me that I would. Once he was done, he stated that I had been approved for a {$5000.00} limit on the Bank of America XXXX XXXX card and that the card would arrive in 7-10 business days. About a week or so later, I received another letter from Bank of America in the mail that was identical to the first letter. So I called the number again but this time the representative was unable to find my application in the system so I was transferred to the credit department where the representative there now told me that my application had been denied after I was previously verbally told by a Bank of America Representative on a recorded line that I was approved and what my limit was. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
On XX/XX/XXXX I applied for the Apple Card with Goldman Sachs after improving my credit tremendously by reducing my debt, removing inquiries, and resolving any negative items on my report. I was denied due to excessive inquiries and " delinquent accounts '' which I know was incorrect but I recently had my inquiries removed and remedied all deficiencies on my report. Today, I reapplied was given neither a denial or approval, I received an email stating that I applied too many times and my information could not be verified. When I called the Apple Card phone number listed in the email to have my application reconsidered, I was told that the representative could not see my application from today in her system ( despite me having an email response from that application ) and only way to receive reconsideration was to apply again. I have applied again and received the same response. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction and I am asking that my application be reconsidered. As I stated previously ; I do not have high inquiries on my report, my credit utilization is XXXX XXXX, I have no collections or charge off accounts. There is one closed account that has a comment of XXXX  days late and it is a student loan opened in XXXX  and reported lateness in XXXX  which was removed by the loan company but they did not remove the inaccurate comment of XXXX days late. If you were to review the payment grid for that account, it shows no incidents of lateness and is reporting inaccurately. I have no other late payments or derogatory accounts. I have perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi claimed they have sent a letter containing my account number on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any letter and I still don't know my account number that I opened more than a month ago.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation