vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: LA

Complaint narrative:
never recieved reliacard for unemployment

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 2020-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I use PNC Bank for my XXXX banking and XXXX  for accounting services. PNC will not allow XXXX access to bank account information for accurate record keeping. This has never been an issue in 2 years since I started using both of these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age.

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter 13 bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, XXXX re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Firstmark is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under Nelnet ( see attached statement from Firstmark, page 2, under lender details ) in XX/XX/XXXX. It went into repayment per the promissory note in XX/XX/XXXX, and it has never been paid or brought current. From XX/XX/XXXX-XX/XX/XXXXI was in chapter XXXX bankruptcy. Firstmark purchased the loan & re-aged the account after my chapter XXXX  bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XX/XX/XXXX. The account is scheduled to be removed in XX/XX/XXXX, but it should now be deleted due to its age.

I have attached the account statement & my chapter 13 bankruptcy documentation.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is not being reported on Equifax or experian reports. it was opened XX/XX/XXXX, XXXX CARD is also not being reported on equifax. account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX shows as closed on transunion instead of paid. I shows as paid on XXXX  and XXXX. last avtive date should say XX/XX/2020

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 2020-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
applied for a Crdit Card. I was approved with a {$190.00} program fee and a reduction of credit limit by {$100.00} upon receiving card. That is a {$290.00} fee after a credit check is ran and my XXXX is dinged. No prior insight on such before applying. PREDATORY. ... I was shown on XXXX XXXX for a good approval odds on a Debt consolidation loan. Applied, my FICO was hit, only to find out its would need to be secured with a title to a vehicle. " Title Loan '' no prior insight on this before my XXXX gets dinged again and the terms are released. " PREDATORY ''. This type of marketing is geared to poor or good credit. Information on this should be clearly visible and advised prior to running a hard inquiry. I believe soft inquiries should only be completed on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian. Of the three credit agencies, their use of credit score metrics is unfairly penalizing consumers nationwide, including those who have good to excellent credit. My credit scores are XXXX  and XXXX  with the other two agenices. With Experian, its XXXX. There can't be that much of a disparity and be fair. Please, on behalf of consumers nationwide, look into this practice, Experian 's 8 score and their unethical push to urge consumers to open credit accounts to boost their scores, particularly to those who've recently gotten out of debt. Consumers are tired of of these practices, of pushing credit cards, of hiding credit scores ( until we sign up for THEIR memberships. )

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 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I paid the debt on XX/XX/2020. I was told that I could pay XXXX which i order XXXX and that the XXXX was sufficient to close the account and to receive a paid in full. Before, I paid for this I specifically asked that I would be receiving an email stating this. She said it would take 48hrs for me to receive this. I called again on XX/XX/XXXX since I never received an email. The lady that I spoke to said that she would request another email sent to me. On XX/XX/XXXX or XX/XX/XXXX I called again since I never received anything. I then spoke to a representative by the name of XXXX XXXX and she said that she would request another email since it didn't show on her end that anything was sent. I called again today, XX/XX/XXXX on the update since I haven't received anything. I spoke to a lady by the name of XXXX XXXX who said that I could request another email being sent. I told her that this was unacceptable then she backtracks after I asked to speak with a manager that an email was sent on XX/XX/XXXX, which was a lie since I haven't gotten anything from this company. I then asked to speak with her Manager/Supervisor. XXXX XXXX, the manager, then asked me if I wanted to request another email. I told her no, that it has already been 6 days, She then backtracks and says that it takes 30 days, but just minutes before she confirmed that it would take 48hrs max for me to receive this. These folks are telling people false information from the get go. I then say, well how come every representative i spoke to including yourself stated that it takes 48hrs. She backtracked and said that the information her representatives is not true, but prior to this she stated the same 48hr rule. These guys are as unprofessional as it gets and I would want my money back if not that letter.

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 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian is reporting a late payment on my XXXX  XXXX XXXX loan. I have diputed this and they have not provided me the information on how they verified their informaiton or the employee information they spoke with at the company who verified this informaion. Therfore should be updated as no late payments.

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 2020-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have called BMO corporate office several times and spoke with XXXX. I have advise her that my payments were being mis applied and bmo was reporting negatively on my credit report as a result of these mis applied payments. XXXX advise she woukd speak with the appropriate department and have them reach out to me once my payments were applied correctly. I never received a call and my payment are continously being applied incorrectly and my credit report is still showing negatively with bmo harris bank. Ive tried to call the corporate office and XXXX mutiple times and i have left mutiple messages and no one answered and no one has returned my call.

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 2020-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a new saving account with TD Bank on XX/XX/XXXX. At the time, TD bank was running a {$200.00} promotion, and the requirements were 1 ) deposit {$20000.00} or more in new money within 20 days 2 ) maintain a balance of at least {$20000.00} for 90 days. 

I deposited {$20000.00} on XX/XX/XXXX and keep the balance till now ( XX/XX/XXXX ). It has been more than 150 day, I haven't received the bonus yet. I contacted the TD bank in XXXX and XXXX, the bank told me the case is under the review. 

TD bank never follow up with me. I have no idea why it take so long. Given that I hit a wall and tried to resolve the issue with the bank, I decided to file a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ID Analytics, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX and XXXX, 2020, I received 4 identical letters from SageStream dated XX/XX/XXXX where they stated that they " received ( my ) correspondence in which I request to opt-in to received  prescreened offers of credit and insurance. '' I never heard of them before, never contacted them to opt-in to anything, and certainly never opted-in to any offers as they describe. 

The letter goes on to state that I notified a consumer reporting agency that I believed I was a victim of identity theft. Several years ago I was notified that my information was in a security breach and I did place a credit freeze for a while, I have never notified anyone that I thought I was a victim of identity theft. 

I don't know what they are trying to do, but this feels like a scam. Therefore I am filing this complaint. 

I will be contacting them to opt-out of said program. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I notice a new recent checking account is open without my knowledge. I did not open any new checking account under my name recently. Please provide documentation of consent of the new checking account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I've encountered severe unemployment and business issues as a XXXX american suffering from discrmination. 

I shared with BB & T these matters in XXXX. 

I sought a workeable repayment plan or a way to settle the account for less than the amount owed. 

I like many Americans, started having Covid-19 effects on finding employment and a business I pursued became unable to function. 

XXXX Americans have had tremendous issues getting the PPP and the otehr CARES programs are still virtually unavailable to us. 

I've called BB & T multiple times in XXXX, XXXX, XXXX and today trying to ereese negative information and setting up a workout solution. 

I can't get anyone to take my call, correct my credit report, give me data to clear this from my credit history, and work this out. 

I called BB & T this past week ( Week of XX/XX/XXXX ) more than 6 times. No replies, no personell, no date, nothing.

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 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
UPON CHECKING MY CREDIT FILE, CAPIO PARTNERS HAVE REPORTED TO MY TRADELINES AN ACCOUNT THAT I ALLEDGELY OWE FOR XXXX. I HAVE NEVER RECEIVED ANY NOTIFICATION, ANY RIGHT TO DISPUTE OR ANY INFORMATION VALIDATING THIS DEBT. 
I NEVER WAS EVEN GIVEN THE OPPORTUNITY TO DISPUTE THIS DEBT AS REQUIRED PER LAW. CAPIO PARTNERS WAS SUPPOSED TO PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THIS DEBT AS WELL AS PROVIDE ME WITH VALIDATION OF THE DEBT AS REQUIRED PER THE FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union placed several restrictions in my account after filing for Bankruptcy for a medical reason. 
On 2017 someone used my card without my permission and Navy Federal denied the dispute claim and they deducted the money from my checking account. As I was presenting medical issues and  difficulties To pay the negative balance from the reason mentioned before, they closed my account. 
Then I stated making payments in that negative account until I had to file for Bankruptcy. 
Now after my bankruptcy was discharged All the time when I apply for something I get declined because I caused a lost to Navy Federal Credit Union per the credit Departament, once I try to call them they transferred me to Bankruptcy Depto trying to collect the money that was discharged on the bankruptcy. 
My bill pay service is also restricted in my account and they dont let me use bill pay because the balance that I have with the bank, balance that is discharged already in a Bankruptcy court.

They say until the discharged balance dont get pay I will keep restricted of using bill pay and also there is many issues with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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