vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
It has been XXXX weeks and my {$5000.00} deposit is still sitting as pending. Essentially they have stolen 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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 usc1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1681a- definitions ; rules of construction- exclusion. - except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making report ; 15 usc 1666B : A creditor may not treat a payment on a credit account under and end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union has a block on my file as I am not able to get my latest credit score or report through any credit monitoring service. My fico, XXXX credit works and smart credit build are all stating Trans Union has my file blocked or on a XXXX  hold to prevent my credit score or report from being accessed.

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 2023-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I got a return check and my retail card was instantly closed and marked as a late payment even though theres sufficient funds and I made another payment a few days later to suffice. 

I made a {$60.00} payment on a card with a balance of {$410.00}. The payment apparently didnt go through even though theres a XXXX XXXX in checking. I caught it and paid a few days after that. This is for a retail card through Synchrony. I called the bank and they basically have no record of the first payment. 

I called to reason with Synchrony and the person on the other end did not speak my native language so it was hard to level with them. I have been paying the card on time for over a year and was about to pay it off soon its 0 % interest. They claim I got a return check even though I paid it two days later, have been paying it on time for over a year, and then just closed my account. So now its my fault even though theyre the ones with technical difficulties.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
Cash 1 Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with XXXX and XXXX results came back stating that Cash 1 reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
XXXX and XXXX are not showing that my student loan balance is XXXX When reaching out to both credit reporting agencies, I was informed that Moheala is not responding to either credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Aidvantage is reversing my auto pay payments toward my loans stating my bank number is invalid but they have taken two prior payments with my bank and now I have missed my due date. I have been told this issue would be resolved and it has not. If this continues it will ultimately impact my payment history on my credit score as well as increase the interest due. The company needs to straighten this out as I am not the only one experiencing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have a target red card credit card. I owe {$30.00} on the card. It was not aware of my pay date. My account went 30 days late I'm not denying it I have 100 % pay credit rating with target. It just slipped my mind but I never once get a email statement or a paper statement I gets pictures of all the mail that comes to my home I called the post office to see if they can track the mail but they said if they don't have a tracking number on it the mail couldn't be track but that's neither here nor there I haven't been receiving statements from target nor email and I have screenshots to prove it I asked them what could I do to prove to them that I haven't received anything they stated nothing that they had to report accurately and that was 30 days late which I don't deny but had I had notification that a bill was due I would have paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I'm am in the process of refinancing a mortgage Information submitted by my previous servicer Rushmore loan management services LLC are incorrect.also Rushmore has received funds on my behalf from the state of new Jersey erma program and did not apply to my balance.The erma program paid my arrears but Rushmore added a false foreclosure charge of {$2400.00} when in fact there was no foreclosure due to the fact the erma contacted Rushmore that the arrears were being paid by the state which is illegal.also another charge of {$6600.00} was added on for taxes and insurance when in fact those are included in my mortgage payments.also Rushmore recently transferred my mortgage from their LLC to themselves while reporting information to credit bureau causing my credit to drop XXXX XXXX while I was current.Last but not least after the erma program paid my mortgage payment in XXXX of {$1000.00}. Rushmore increased my payment to {$1500.00} which is illegal and a breach in mortgage contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I received notice that Aidvantage received my XXXX application on XX/XX/XXXX and I have yet to hear back anything. I applied via studentaid.gov and self-certified my income. I have emailed Aidvantage to inquire about my status and have not gotten a reply. On XX/XX/XXXX I received a confusing email stating it was too soon to recertify my IDR. I wasnt asking to do that? This better not have been a denial. I make very little money right now and in no scenario do I not qualify for the {$0.00} SAVE payment with no interest. 
This is the second time in a row I have had to make a CFPB complaint as the first time the company also neglected to tend to my application. A few days afterwards I was put on an IDR plan and forbearance and told to re-file to apply to SAVE. Here we are again. 
I need to know what is going on and need my account looked at. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/ I cashed out two amounts from cashapp. Neither amount went to my bank account as they have always been credited right away. One amount XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There was fraudulent charges on my account a I tried to dispute it a they refused a said they were closing my account. There was a balance of roughly XXXX XXXX my account I never received a ck or nothing. I had direct deposit going to that account. Which I dont even know what was ever deposited. I was forced to get another account elsewhere

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 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
RACIALLY PROFILED BY NAVY FEDERAL CREDIT UNION!!! 
On Wednesday, XX/XX/XXXX I deposited my refund check via mobile app as I have done over SEVEN times from the SAME university ( XXXX campus ). When I called and asked them why my money wasnt deposited in the normal two business day wait, I was told that it was being held under suspicion of fraud. I asked why all of a sudden as a XXXX woman, am I being accused of suspicion of fraud when I have deposited MULTIPLE checks from the SAME school several times before?? The supervisor ( I asked to speak to one because I was not getting a straight up answer ), said its determined by security so I asked to speak to them, but of course they didnt have an extension. 
I was racially profiled for fraudulently depositing a check and no one could explain why my funds are delayed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XXXX  I filed a complaint due to inaccuracies being placed on my consumer report by Experian. Today is XX/XX/, upon my discovery Experian has not contacted all of the furnishers that I disputed on my consumer report. They only have two disputes on file for XXXX XXXX and the department of educationXXXXXXXX XXXX  This is a federal violation of the FCRA, as credit reporting agencies have to contact furnishers within five business days when a complaint/dispute is filed.

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 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
XX/XX/2023 {$1400.00} I checked my credit report, and noticed a deragotory remark. It a collection from Harvard Collection agency. My complaint is, the collection agency didnt send any written correspondence to me, via mail, before putting this on my credit report. They did not offer me an opportunity to take care of this before sending it. I thought companies are suppose to at least send you some type of information before taking this drastic step.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UN-AUTHORIZED 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 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 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 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 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 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 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 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 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 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 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 2023-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
After receiving a notification that there had been a change to my credit report on XX/XX/XXXX, I pulled a copy of my XXXX credit report. I noticed that there were two of the SAME collections were being reported by Fair Collections and Out, which I don't believe was done by coincidence. I believe the double reporting was done with mal intent, knowing this could potentially harm someone's character and livelihood. On Monday, XX/XX/XXXX, I called the office to try and get more information about the collections that were being reported. The representative attempted to explain to me the alleged debt, but I insisted that I didn't understand, and that the debt had to have been reported in error. I then as for the original purchase agreement, original terms and conditions along with proof of ownership of the debt. I provided my information and still have not received the requested information. 

The reporting of the two accounts for the same debt has tarnished my credit reputation and has caused a strain on my security clearance required for employment. According to the credit report, this debt began XXXX. The original creditor listed on the report is for an apartment complex called XXXX XXXX, located in VA, which I've NEVER heard of. I've resided at my current locations for almost 3 years, so I'm not sure how I could have lived at this location in XXXX. There are a lot of questions and very few answers.

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 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IN

Complaint narrative:
I went to XXXX schools XXXX  which loan dispensed was roughly XXXX, I went to XXXX which loan dispensed was roughly XXXX. I went to XXXX which loans totaled XXXX. From my understanding we can only take out XXXX in student loans. I consolidated these loans together and somehow somewhere I see my total is XXXX in loans!?! XXXX was paid to EDFinancial and now I still owe XXXX and Im at a loss as to how that is true, when thats the bulk of my loans?! Ive asked for proof and they just said it hasnt all been added yet, youll receive an itemized statement. But I received an itemized statement. The website just says XXXX consolidated loans with no info on the loans that are left, where they originated and how much they were. When I go to the department of education I see the same thing. XXXX consolidated loans, lots of payments but no break down. Ive tried to call but theres a XXXX hour wait. I tried to email and I just got an email back weeks later that said cause thats for the consolidated loans. But XXXX was part of the consolidated loans?!?! It wasnt separate. I responded and they never responded back. While on the phone that day, I set up a Payment plan I was told I only owed XXXX XXXX XXXX a month. I was not told I needed to send in documentation, I was just told I qualified for the XXXX XXXX XXXX  a month. I received an email today stating that due to not providing the required documents I no longer qualified and my payments would be XXXX. I tried to reach out and of course closed and Im sure XXXX  will be a XXXX hour wait on hold. I tried to qualify for help again through the student loan website and I only qualify for a XXXX XXXX  payment! No one is answering my questions, no one is sending me an itemized statement and I cant figure out how I took out XXXX in loans when the limit is XXXX in XXXX! I cant get an itemized statement from anyone to prove I do in fact still owe this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Request personal information to be removed from my credit report that wasn't correct. 

When they responded they said it was verified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Request personal information to be removed from my credit report that wasn't correct. 

When they responded they said it was verified information

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I had been XXXX  since XXXX, but made payments to my capital credit cards. 
After securing full time employment, and receiving a sum of money, On XX/XX/XXXX, I paid the highest and longest outstanding bill from Capital one down by {$4000.00} my credit limit was {$5000.00} on XX/XX/XXXX. 

After the payment Capital one dropped my credit limit down from {$5000.00} to {$2000.00} and asked that in order to get the XXXX credit limit back, I would need to pay off an additional {$1600.00}. 

I was not notified in advance that this would happen, notification may have changed the payment that was made. 
After speaking with agents on XX/XX/XXXX to rectify the situation, they insisted there was nothing they could do and that I must comply with the request for payment in order to restore the limit. 

How disgusting is this practice. Credit by laws dictate there must be 45 day notification prior to changes, I received nothing by way of information or notification. 

I would like Capital One to restore the original account limits immediately.

Company response to consumer: Closed with explanation