vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Om XX/XX/20 I bought a washer and dryer off XXXX. Contacted the store VIA messages and asked condition -- they stated good and working also comes with a two month warranty. when they arrived they were broken and the company has refused to come get them and return my funds or fix them. Ifield a dispute with my bank and was told I lost the claim, I summitted screenshots and calls ... they company scammed us. Lied to us and my bank did nothing to help .... I sent all proof within 1 day of the dispute. PLS HELP ME CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
Copy if most recent email to AES : I submitted my income verification via email to XXXX on the following dates and screenshots are attached. This should have been processed back in XX/XX/XXXX and it needs to be resolved with THOSE forms as I did exactly as I was asked to do. Covid also affected my income. I can afford to pay $ XXXXmonth. If that can be set up, I can start paying immediately. 

XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Requested XXXX  info. 
XX/XX/XXXX Received email with case #. 
XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Received email for my XXXX requestto be mailed to me. 
XX/XX/XXXX Received email stating re-certificationof XXXX not received. Emailed AES stating the IRS site would not work for me to submit my income tax return. 
XXXX Signed & emailed the XXXX  with income documentation forms. 
XX/XX/XXXX XXXX attached letter that was mailed with my forms. 
XX/XX/XXXX Emailed AES again with XXXX & income documentation forms. 
XX/XX/XXXX Email received saying XXXX forms not submitted. Replied that I already emailed my papers. 
XX/XX/XXXX Emailed AES XXXX  forms. 
XX/XX/XXXX Received email stating forms not received. Replied that I sent them 2 previous times. 
XX/XX/XXXX Emailed AES XXXX  forms & income documentation forms. 
XX/XX/XXXX Received email that forms were not received. Emailed AES that I sent the required forms AGAIN. 
XX/XX/XXXX Received email stating forms not received. Emailed AES XXXX  forms again. 
XX/XX/XXXX Received email stating form not received. Emailed AES with XXXX forms again @ XXXX. Received email back at XXXX stating formsnot received. 
XX/XX/XXXX Re-mailed XXXX  forms. 
XX/XX/XXXX Received email stating XXXX forms were received in mail but did not include income documentation. I replied that my income was included with my multiple previous emails ( see above ). 
XX/XX/XXXX Emailed AES again with XXXX forms, asking to reference previous emails with income documentation because I do not own a printer. 
XX/XX/XXXX Spoke with XXXX at XXXX - XXXX. He would submit a Natural Disaster extension for 3 months. Asked me tore-email forms. 
XX/XX/XXXX Emailed AES with attached forms again. Submitted IDRA application. 
XX/XX/XXXX Emailed AES again with all of this information. 

I have spent countless hours on email and phone trying to get this resolved since XX/XX/XXXX. I have done my part, over and over, trying to set up a payment plan. 
AES has continually said my income documentation nor XXXX were received, but ALL OF THEM were sent to XXXX and I have received replies to all the emails I sent there, except of course, the ones where I CLEARLY attached the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax I answered one or more question wrong no report Some questions I did not know the answers..So no report I called later they asked for 3 types of idenity .Must be lost in mail still no report .why are they keeping my files that's the instructions to do by mail with my id 's and SS number and a billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXXXXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with the credit bureau regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$150000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED:XX/XX/XXXX BALANCE : {$2900.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$4900.00} XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2700.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$7300.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts . I am now demanding that they comply with my initial dispute 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 2020-12-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I haven't been able to use my credit card during the Covid-19 pandemic. I found out today that Citi bank closed my account with no notice for non-use. I called and was told I had been informed but I never received the letter they claim they sent. My intent was to use the card for specific purchases made outside the home but since I've only been social distancing at home and the locations I want to use the card at are closed for the pandemic I haven't had an opportunity to use the card. Also, since Citi closed my account all my rewards points I had accumulated are gone. Citi says there's nothing they can do ... but they caused this to begin with.

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 2020-12-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I sent certified letter with prove of delivery to the company to request the debt validation and to stop contact me .The company did not response to my request of the debt validation letter and the company also keeps call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This company never responded to a Letter of Demand in regards to a Class Action Settlement against Santander Consumer USA Inc. They are trying to repossess my car during a pandemic and when they have agreed to forgive consumers loans and present them with the title for giving us predatory subprime auto loans. I have filed complaints with multiple agencies and they have not responded to me. When they finally did respond in my last complaint they outright lied that they never received my letter of demand and it has been over 2 months since I sent that. There response is that they can not tell me my " internal customer number '' which is how they determined my interest rate that is insurmountable for an ordinary person with ordinary wages. They never verified my income and gave me an outlandish interest rate that has put me in default 3 different times over the last 2 years I have been in the loan. This class action lawsuit that they settled out of court for {$550.00} XXXX was suppose to remedy this ridiculous and predatory loan. They were expecting me to default because the amount has left me unable to eat, pay rent, or other necessities. On top of this they have negatively reported on my credit many times this year ( during a worldwide pandemic ). I am 99 % certain I am eligible for the settlement remedy which includes forgiving the remainder of my loan, relinquishing the title to the car, and removal of negative credit ratings from the company as they have done multiple times in one month ( I will add documents for proof of my claims ). Thats the difference between me and this company, I have the burden of proof that they have taken advantage of me as a consumer and they need to do what is right as I am intending to sue them for damages if they repossess this car that is not theirs anymore according to the settlement agreement. I don't believe that you all closed my case without them presenting any proof of their claims whereas I have provided proof and my comprehensive explanation. They are a scam company that takes advantage of consumers and then wants to take away their cars whenever they can't pay because they created an impossible interest rate and ridiculous terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CA

Complaint narrative:
I requested the attached items be removed due to them being outdated. However, Experian refuses to obey the laws on the books, therefore I'm bringing this complaint to you to resolve. I'm tired of fighting with them to do their jobs and to follow the law. The worst part of it was they sent me a survey on XX/XX/2020 they sent me a survey claiming I " spoke to a rep with them by phone '' which I never did. I sent them a written request to remove these items. Yet the one 's in the updated attachment remain. I never talked to anyone at their office, would never call them for any reason to listen to their never ending recorded messages and only conduct my requests with them in writing. They've failed to honor the attached items on my updated report of XX/XX/2020. I want them addressed effective immediately!

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 2020-12-27 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: Retail Merchants Associates
State: LA

Complaint narrative:
I have several delinquent accounts being reported on my credit report. I have full medical coverage, I don't even recall going to the doctor as much. I notified Medicare, Medicaid, and AETNA, all 3 insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. Godspeed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB : XXXX Legal Department XX/XX/XXXX To whom it may concern : As per my credit report, ADVANCED COLLECTION BUREAU obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with XXXX XXXX. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB to Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I received notification on XX/XX/XXXX my loan balance went up. My loan total was {$77000.00} the start of the pandemic and was deferred by the goverment. However, my balance is now {$79000.00}. Then after reviewing documents sent to me there was one that said I was getting interest because I didn't make payments at the end of 2019. That is totally incorrect, the payments came out of my bank account for XX/XX/2019, XXXX, XXXX and XXXX. How is my loans going up when they are in deferrement by the goverment? I would like detailed account information sent to me via email and mail with the interest rate on what loans. I'm showing that {$10000.00} was added in interest in one month. I also need to know who federally that I need to reach out to regarding my complaint about my student loans to do a review on them as the balance should not be that high. My balance out of school was {$57000.00}. So, interest on my loans is {$22000.00} in 4 years? I would like information on interest on my account and a full accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
XXXX advertised an offer where both the referral and the referrer were to get {$21.00} for a new referral. I made a refrrral to XXXX and this was made during the time the offer was active. XXXX delayed the payment from the referral qualifying for the referral and then have just {$7.00} instead of {$21.00} promised for the referral. In addition the company provides no way to contact them regarding this offer providing dead end links that go nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CA

Complaint narrative:
I have repeatedly disputed the items below but get XXXX resolution from Equifax. Not sure but do I need to sue them to get resolution to what the Fair Credit Act says I'm entitled to? Just wondering. The issues are as follows and better outlined as attached. 

1. outdated addresses still remain on my report 2. outdated accounts that are past expiration still remain on my my report 3. inaccurate info not corrected or removed per the law on XXXX. The info conflicts with another credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
I have several delinquent accounts being reported on my credit report. I have full XXXX coverage, I don't even recall going to the doctor as much. I notified XXXX, XXXX, and XXXX, all XXXX insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. 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 2020-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Over {$1900.00} USA DOLLARS XX/XX/XXXX the company is PayPal I recently was selling my used stuff online on XXXX  and when i sold a couple of items PayPal sent a email saying i needed to send in documents like my ID and stuff and i did that and also spoke to someone on the phone and she told me my account was still good but woke up to my account being permanently limited and cant seems to contact anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover failed to properly post my payment on XX/XX/2020 per the Terms provided with the payment process. Attached are screencopies of the pending payment schedule and payment Terms as provided on the online payment screen where the payment was processed. 

It is clear from the terms that any payment will be posted the same day so long as it was not within 3 days of a previous payment and not on the due date. A final screencopy is included to show our previous payment was well over 3 days before and from the very same bank as we have for decades used. I spoke with both an agent and then a supervisor named XXXX XXXX ( sp? ) in the XXXX office who all refused to properly post the payment instead claiming that the Terms are something other than as clearly and plainly posted online and screencopied here. They claimed there were terms for weekend days after XXXX ( one of the people ) or after XXXX ( the other one ), clearly not even providing a consistent statement of what they thought the Terms were, and obviously not at all consistent with the agreed terms for online payments. I challenged them amply and asked to file a formal complaint, but they would ONLY make a note in my account record. 

I am truly disgusted with this customer service and the fact that a seemingly responsible banking firm would ever operate under such slackness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX  XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX XXXX XXXX XX/XX/2020 7. XXXX XXXX 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