vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX I contacted the Department of Education looking for loan documentation on XXXX Educational services/XXXX XXXX i was given the number to Navient. I have had several complaints to the CFPB. The last complaint I was sent loan document issued from XXXX educational services I believe XX/XX/XXXX I asked for proof of disbursement in the complaint that were not sent. Through Navient I was sent to XXXX another one of Navient 's companies. XXXX sent documentation of an investigation done by the ombudsman with the Department of Education indicating a transaction history of 1. a reimbursement by the Department XX/XX/XXXX, XXXX.and that would include disbursements ( canceled checks ) in proof tht loans existed. 
When I spoke with Navient in XX/XX/XXXX they said that I did not have federal loans I had private. Spoke with the private loan department and XXXX XXXX loans were on their system. So why is Navient looking at the NSLDS which are federal loans data system with those loans as private on their system.and why haven't they corrected the issue. I have two loans that were with National Education now with Navient why Navient? Because Navient services XXXX XXXX? XXXXXXXX XXXX loans. 
Now I asked for a total and permanent disability discharge that was processed through MInnesota life claims department I don't believe those loans are even owed they were canceled same as XXXX XXXX. Please note the corresposndence by XXXX ( Navient )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services fail to validate an alleged debt of a car loan pursuant to FDCPA & FCRA after many attempts to resolve the situation in accordance to federal law. 
On XXXX a letter was made stating that TFS received my request for validation and after their records were researched but not Validated, they determined the account being reported was consisted with their records. 
On XXXX as evidenced by certified Mail Receipt # XXXX XXXX, Affidavit was sent Certified addressed to Toyota Financial Services ( TFS ) seeking to resolve the issue with remedy of {$300.00}. 
On XXXX, XXXX XXXX was also sent certified letter requesting accountant sendFinCEN Form 101 " Suspicious Activity Report ' as evidenced by certified mail receipt XXXX. 
A letter dated XXXX XXXX, was sent to my residence with threatening and intimidating language of taking my property to sale the debt which is in violation of 15USC 1692d without the debt being validated. 
Further attempts were made through Notarial Protest On XXXX, XXXX XXXX was sent Notice of Breach as evidenced by Certified mail receipt # XXXX On XXXX, Notice of Protest and Opportunity to Cure as evidenced by Certified Mail # XXXX. 
On XXXX around XXXX ; XXXX, TFS committed theft by sending an asset management company to take my property thus violating 15USC 1692d. 

Afterwards from fear and intimidation, On onXXXX, TFS was sent Tender of payment by way of negotiable instrument for accord and Satisfaction in accordance with UCC with an Affidavit of Tender of payment as evidenced by Certified mail Receipt # XXXX. 
As of today, XXXX, XXXX XXXX CFO of TFS has failed to respond thus committing dishonor through non-acceptance and or non-performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TX

Complaint narrative:
EXPERIAN HAS RE INSERTED PREVIOUSLY REMOVED FRAUDULENT ACCOUNTS THAT I SUBMITTED POLICE REPORT AND THEFT AFFIDAVIT FOR THEREFORE VIOLATING THE FCRA. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I used the Bank of America XXXX XXXX, Texas location ATM to deposit {$8000.00} cash. The ATM would receive a maximum of 40 bills, so I made two transactions. 1 transaction went through and credited my account {$4000.00}. The second transaction did not process and the {$4000.00} was taken by the ATM. I immediately went inside to discuss with the branch manager. He instructed me to call to report it. I called, made the report and got a claim number. The bank issued me an immediate credit for the missing {$4000.00}. On XX/XX/XXXX, I got a message from the bank that my case was closed and the credit was permanent. On XX/XX/XXXX I received another notification from the bank that the credit was being reversed and no reasoning was noted. I called again and the bank is looking into opening the case again. I requested them to check the ATM reconciliation as well as review the video from the ATM that day. No resolution yet and I am currently out the {$4000.00}

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 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
SouthWest Credit Systems/XXXX have incorrectly reported a debt to my credit report that is NOT my debt. The person who owns the debt has the same first and last name as me, but a different middle name. The person also has a different address which is not my address. This debt collection company has wrongly and inaccurately put someone else 's debt onto my credit report and this is tarnishing my credit report and credit history. The amount of debt Southwest Credit Systems/XXXX is seeking is {$1400.00}. This is not my debt and I have no knowledge about this debt. This debt has been fraudulently put onto my credit report as this is someone else 's debt and I want this to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
I signed a lease to an apartment, and the building was sold to a new owner ( XXXX XXXX @ XXXX ) halfway though the year. I requested to be let out of lease due to breach of contract and poor services rendered and had a signed legal agreement between myself and the new owners and our respective attorneys all together nullifying the agreement. The disgruntled manager still reported it to collections ( National Credit Systems ) and onto my credit reports at all 3 bureaus. I disputed it with National Credit Systems and provided attached documentation and with XXXX and XXXX, and they dropped it from my report, but XXXX will not. After several unsuccessful tries they won't allow me to file anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I've attempted to send a dispute letter to the company with the address shown on my credit report. Letter was sent XXXX XXXX by certified mail and sent back with a " return to sender insufficient address unable to forward '' stamp. The amount is for {$59.00} with date assigned of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the CITI account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( CITI XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: DISCOVER BANK
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DISCOVERBANK account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good evening, I cancelled my capitol one credit card months ago, due to financial hardships, however, I continued to make payments. When I checked my credit score, they have still be charging me interest and late fees! I spoke with a representative on the phone when cancelling, and let it be known that i could only pay 35-40/month. That was two months ago. My credit score has been severely effected.

So essentially, they don't care about financial hardships. My payment record has been in excellent standing and they are giving my NO credit on making payments that I can afford. 
This is robbery. I get the whole script about " with this type of card, you have to pay the balance off in full '' before closing and I explained the hardships. 

Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today XXXX on XX/XX/2021 I contacted TransUnion Credit Report Agency about my credit score. I ask why I couldn't see my credit score when I login to my account. The reply was you need to pay to see your credit score. I responded by saying XXXX and XXXX you don't have to pay. They again said pay a fee and get it. I told them that I am not paying for something that the other 2 agencies are giving for FREE. I told them to get with the program and send my request up the chain of command.

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 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I to ask why I was not given the correct offer I saw on the website when I applied. On XX/XX/XXXX, I applied for the Chase XXXX XXXX XXXX because I saw a " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase XXXX XXXX XXXX was still " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( 125k bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your XXXX XXXX arrives in the mail, use it to earn 50,000 bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I received a letter from XXXX XXXX Personal Loans referenced with ID # XXXX indicating that my recent application for a XXXX XXXX XXXX XXXX XXXX  Line of Credit was denied for the following reason : Application Information Does Not Match Credit Report [ Exhibit A ]. 

The letter referred me to Equifax for further dispute. After inquiring with Equifax, I noticed a HARD CREDIT ENQUIRY on my credit report that I did not authorize. After disputing this information with Equifax, I received a letter from Equifax on XXXX XX/XX/2021 indicating that the Hard Enquiry was factual and shall remain on my file for XXXX years [ Exhibit B ]. 

I have never authorized XXXX XXXX to use my personal information to check my credit file. More importantly, Equifax is falsely representing my credit information to vendors. I have an excellent credit history and over XXXX credit score, and Equifax is damaging my credit history by such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
My account was hacked on crypto.com the hacker charged my bank over 300 dollars and stole all my crypto except the crypto that was in crypto earn it was locked for 3 months! I reported the incident right away called my bank and reported the fraudulent charges and waited weeks for crypto.com to investigate! They finally got back to me and said it was my fault even tho I had every security measure they offered 2fA with facial recognition and being texted a code when I log in! The hacker changed everything to euros sold all my crypto tried to charge over 300 to my bank in new charges and transferred everything to XXXX gift cards in euros and sent them to themselves! Now crypto is refusing to release what crypto I have left and said I must call my bank and to undo my fraud complaint to release my crypto back to me! Ive repeatedly tried to talk to a manager and they refused to do anything! So not only was I robbed but they refused to let me transfer what little crypto I have left and close my account!

Company response to consumer: Closed with explanation