vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
We have a XXXX XXXX account that is open between XXXX and TD Bank. There is an ongoing problem between the two companies since at least 2018 looking at reviews online. After a few months of non use the td account will close, not normally huge deal however there is no way for XXXX to see the account is closed. We requested the account open again with TD bank but they can only open a new account. XXXX however can not see a new account because their system is not set up to unlink a credit account. XXXX and TD advised the only way for this to work is to close my XXXX account which has all my stored data and create the account again and that should re link the accounts. After doing that is just created a brand new TD Bank account so now we have one TD account we can't use and a brand new account that is linked with our XXXX account. I'm shocked that XXXX and TD Bank are just opening lines of credit for people that they can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: FL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX about derogatory credit reporting from Experian. The complainant was closed today ( XX/XX/XXXX ). Not only did they not provide an explanation for the initial complaint of my credit score decrease on XX/XX/XXXX but as of XX/XX/XXXX they decreased my credit score again. This is a credit score decrease twice in one month. They even put high credit usage on my report. However, the one credit card I have only reports once a month on the XXXX of every month and the last time they reported on XX/XX/XXXX, in which reflects my XX/XX/XXXX credit report, I was only at a 19 % percent credit usage out of a {$500.00} credit limit, with a {$97.00} balance. I am going to contact my Local State Attorney office. This is insane and blatantly derogatory reporting practices. Once again I am keeping a XXXX XXXX of all the violations and discrimination caused by Experian. My credit score went from XXXX ( reported on XX/XX/XXXX ) to XXXX ( reported on XX/XX/XXXX ). I am definitely getting everyone involved from the XXXX and local XXXX Attorney. I will be forwarding all my complaints as well.

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 2022-04-22 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had someone hack into my bank account and they began making transactions through XXXX. ( I do not use XXXX often and have tried avoiding to use it but it is ingrained into my bank. ) The person made numerous XXXX  transactions to themselves resulting into almost XXXX dollars out of my account. My bank sees this as non fraudulent even though this individual used their phone to hack into my account. Since then I have made numerous calls to my bank and now they are just not helping anymore. They promised that I would have a case opened up but it's been roughly a week since then and I should have gotten a call within 3 business days.

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 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2022-04-22 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase seems unable or unwilling to change my phone number making it impossible to access my account. 

On XX/XX/22 @ XXXX XXXX, I discovered that I could not access my Coinbase account because I had changed my phone number. At XXXX on the same day, I called Coinbase customer support. After over an hour with XXXX on the line, nothing had changed. I still wasn't able to access my account and XXXX blamed " the system '' for his failure to correct the problem. He informed me that there was nothing I could do. So, In summary, can't access my coinbase account and there is nothing to be done about it so I guess I lose all of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS XXXX financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some XXXX but evidently do not comprehend it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
In 2021 my identity and credit was fraudulently used for purchases on my bank credit cards. I have reported this to my creditors and it was investigated as fraud and subsequently not resolved. I am being held responsible for these debts which are substantial and a great hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Hi, I had credit in the mid XXXX, I just bought a house, I always pay my bills. I had a incident with XXXX XXXX clothing store / Comenity Bank & I had nothing but a big run a round by them & I have gotten nothing out of it but a bad credit drop. 

I just refuse to pay for something that I do not have, & that I have sent back, This is not fair at all. I need this disputed. 

I also was in the hospital for over a month with XXXX XXXX, I came very close to not making it out alive. I have proof if it will help with my side of the story. I am still dealing with the aftermath of XXXX  This is very wrong for my credit to have dropped down this low over this. I did refuse to pay, because they was not working with me with my returns. & refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
This problem has existed for over a year. I have filed many complaints because the Credit reporting agencies refused to report on my account XXXX XXXX XXXX account accurately. 

I most recently filed a complaint on the credit reporting agencies complaint number XXXX. I was a whistleblower on a government contract were the contractors lost their contracts and millions of dollars. Since reporting I have been retaliated for speaking out. My finances and credit cards has been attacked. I have filled several complaints with CFPB with very little traction. I filled above complaint number on XX/XX/XXXX. 

Here is another prime example of retaliation. You filed my complaint XXXX days ago showing that XXXX XXXX was a business account and also the visa account was paid by my company XXXX XXXX. For complaining about the credit companies Equifax dropped my credit score by XXXX  points. Please open the attached documents. Equifax dropped my credit score by XXXX points. The reason quoted on the attachments stated payment history changed. to 54 %. But Equifax on XX/XX/XXXX is reporting " You've made 75 % of payments for this account on time. XXXX XXXX XXXX was opened XX/XX/XXXX. Equifax is not showing all the years my company has been making payments. THIS IS NOTHING BUT RETAILATION. 

Please had this retaliation to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I believe I leased the XXXX from Chrysler Financial about XXXX however. they came and towed it away before the lease ended, and I may have been only late on my last payment. 
When I called Chrysler Financial about the lease they kept giving me the run around about where the vehicle was or if I could get it back or renew my lease. I know I shouldn't have gotten frustrated with them. but all they said was that I owed them money. 

I never heard from them again, no letter or anything to explain the situation. They keep Garnishing my wages after all this time, since XXXX, and the amounts get higher ans higher. Know that I know it's Chrysler. the amount is now {$5600.00} from 2004 I'll never be able to keep up paying it, I've worked all my life & now being XXXX is a shame. It's been XXXX XXXX XXXX, by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX sent a copy of the filing, under Case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX in checking my account to realize my paycheck was {$1000.00} short. After arriving to work and checking with HR, I learned that I was never notified that a judgment had been awarded to Midland Credit for a credit card that was included in my XXXX  XXXX bankruptcy that was discharged in XX/XX/XXXX. Midland also filed this in a county that I do not live in. I have since submitted proof that the original creditor was included in my bankruptcy. Midland seems to be unwilling to stop the garnishment imposed on my salary and it causing undue financial stress to me as a single father.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am writing in regards to Navient Private Student loan company. In 2013 My husband and I filed XXXX XXXX bankruptcy and included Navient formally known as Sallie Mae in to my list of creditors. This company has been aggressively contacting me after my bankruptcy discharge trying to collect payment. I did not voluntarily make payments. 

At the initial meeting of creditors Navient formally Sallie Mae never showed up at court to make a claim. At the meeting of creditors Navient would have been able to make any claims for payment to them. Navient Instead waited till the end of our bankruptcy to collect the principal plus interest during the entire time of my bankruptcy. 

After been harassed several times by Navient we agreed to pay them because of the undue stress they were putting on myself and my family. After my bankruptcy was discharged, I initially told Navient that I didnt owe them any more money because it was discharged in our XXXX XXXX XXXXankruptcy as being a non-qualifying student loan. I verified this information from the college I attended to. Navient did not give us a Private qualifying student loan. After the bankruptcy discharge Navient repeated to call me and my husband and sent me letters colleting payment. I was told that I must make payments and my student loans cant be discharged and they would report me late to the credit bureaus if I didnt send in a payment. After going through the bankruptcy process, I was in fear of them reporting me to the credit bureau late and messing up my credit. 


At this time, I have records of my bankruptcy and a record of every qualifying student loan that I received during the time enrolled at XXXX during my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc.
State: FL

Complaint narrative:
This is an on-going issue with this company. I feel as though I am a victim of predatory lending. I have a DSI loan, where interest accumulates daily. I send extra funds in with my payment to reduce my balance so that I pay less interest over the term of the loan. This company never applies the extra money towards interest although my payments are current and often paid early. I called on XX/XX/XXXX and asked that the extra {$81.00} that was being held be applied to my principal balance. They stated that they would put in a ticket to accounting to have it applied. I got my next statement on XX/XX/XXXX. The {$81.00} was still unapplied and the extra that I paid on XX/XX/XXXX was also not applied leaving me an unapplied balance of {$110.00}. I called again on XX/XX/XXXX to ask why funds were not applied to principal, again, he stated that he would put in a ticket and give them XXXX hours. I called back today to check my balance and this is still unchanged. This company is ripping people off and collecting more interest than they should. I feel helpless, I can only call and take their word for what they promise and they never follow through. This is my second time reporting this company to the CFPB for the same issue. They need to be audited and investigated. This is definitely predatory lending. I have attached the statement that shows the monies not applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was diagnosed with XXXX and XXXX  XXXX in late XXXX.Capital one Bank/ Kohls card began calling when payment was a few days past due. I told reps repletely that hospitalized with XXXX and needed assistance. Despite telling them they never enrolled me in program like other credit cards and continued to charge me late fees and lowered my credit limit and ultimately closed my account causing my score to plummet. They also froze my online access preventing me to be able to pay online with the assistance of my wife. They would call my cell phone constantly via robo calling and when my wife would answer they would not allow her to speak with them without my authorization but I was unable due to being on oxygen. Once released and in better health in XXXX I called to rectify and make payment. They were unwilling to acknowledge their incompetency and would not remove fees or higher interest charges from not enrolling in program when requested early in my illness. CapitalOne/ Kohls has destroyed my credit score and closed my credit card with a remaining balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a claim with charges being made to my account that I was made aware of recently. I called Truist Bank and I wanted all charges from XXXX of 2021 to forward to be refunded. Truist Bank stated they will not refund the charges due to 60 days has lapsed

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 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Collector advises account was opened XXXX i have no knowledge of the agency nor did i open an account with them- XXXX  has no record of debit owed- XX/XX/17 XXXX made an escalation of this account due to poor celluar service- XXXX operator # XXXX that advised that no further action would need to be taken on our part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one credit card closed my two credit cards for absolutely no reason. Ive tried to call them and speak to them at capital one but they always responded with same generic answer that they cant reopen accounts because they dont have authority. I dont understand how any government agency can call themselves a governing body when they allow these banking institutions to do anything they want. I never violated any user agreements. Bank had no authority to close my account and it should be opened immediately. I had absolutely followed all user agreements to the best of my capabilities and never violated any agreements. Capital one simply closed my accounts because they felt like it. Which is illegal, and criminal and should be fined by federal government so this never happens again to me or anyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Duvera Billing Services, LLC
State: MI

Complaint narrative:
Account was paid in full, and creditor agreed to deletion of account but creditor has not reported to reflect that.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I borrowed money XXXX XXXX XXXX XXXX XXXX in XXXX. Due to a family health crisis, we had this loan in forbearance for about 4 years from XXXX XXXX. Then due to losing our family business, we declared bankruptcy in XXXX and were successfully discharged in XXXX. We were told that student loans can NEVER be erased in bankruptcy. Navient told us nothing about the hardship discharge that we could apply for just that when we ended bankruptcy this loan would still be there. The entire 7 years while we were in bankruptcy the loan that started out at XXXX $ had over XXXX $ in interest added on to it. Since we can only make the minimum payment and interest rate of 7.25 % that is still accruing on the loan, it has ballooned to over XXXX XXXX Since leaving bankruptcy we have not missed a payment and the loan still does go down. I am a public school teacher and have applied for forgiveness and have been turned down. I have tried to refinance and have been turned down. I have applied for income based repayment and been turned down. At this rate we will NEVER pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: UT

Complaint narrative:
XXXX To date Chime XXXX XXXX and XXXX and XXXX refuse to update my phone number by following their policy. 

I have sent in my photo of ID last 4 social, phone number, now they want another selfie and my handwriting with email written down which is already on file. 

I have emailed an FBI agent as well. 


Chime is Phishing information illegally. I am to be compensated for constant fraudulent behavior on Chime. 

I emailed XXXX XXXX XXXX XXXX about this as well. 

Chime Keeps asking for same info over and over. I have several screenshots of this requested information.

Company response to consumer: Closed with explanation