vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: MI

Complaint narrative:
On XX/XX/XXXX I received a loan for the amount {$18000.00} from lending club after receiving a denial email from them. I have never once received a letter stating that I was approved or anything pertaining to an account number with them. I immediately cancelled the loan with them, but due to them sending out the money I had to wait for it to return from my credit card companies. XXXX XXXX sent money back to my account ending in XXXX and XXXX XXXX XXXX XXXX XXXX did a reversal and sent back the money directly to Lendingclub Bank & affiliates. XXXX XXXX previously sent out a letter confirming where they sent it back to and this will/can be provided once delivered again. As shown in my bank statements is the following : XX/XX/XXXX Received {$6700.00} from Lendingclub Bank in account ending XXXX XX/XX/XXXX Received Refund of {$6800.00} from XXXX XXXX in account ending XXXX XX/XX/XXXX Reversal of {$5200.00} sent back to Lendingclub Bank in account ending XXXX XX/XX/XXXX Lending Club withdrew full amount of loan {$18000.00} from account ending XXXX XX/XX/XXXX Received overage paid of {$5200.00} back from Lending Club in account ending XXXX Lendingclub Bank will not send cancellation/termination letter stating loan has been fully refunded. Yet have now sent an email stating there is a new loan of {$5200.00} and will be trying to withdraw it in the next 7 days. They say that the account is past due and are trying to collect a debt which is not owed and have a recorded conversation of ours today XX/XX/XXXX at XXXX Eastern Time to confirm this. Lendingclub Bank is also still reporting this loan to the credit bureaus as full and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax & XXXX refuse to provide me my full credit file ( front & back ). 

XXXX shared information with Equifax without my consent and credit inquiries from unknown sources improper. 

Equifax mailed me a letter, in contradiction, Equifax instruct me to furnish verifiable information such as address etc. that they have confirmed via Equifax letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Ascendium Education Group
State: WI

Complaint narrative:
Idiots. This is not a duplicate complaint. ONE IS FOR XXXX. THE OTHER ONE IS FOR ASCENDIUM. 

NOT A DUPLICATE NOT A DUPLICATE NOT A DUPLICATE XXXX This is for Ascendium. 

NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. 


YOUR COMPLAINT Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence. Ascendium tells me I have to talk to XXXX. " ... see attachment for full text. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to Transunion, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.

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 2022-02-10 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: CO

Complaint narrative:
I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared XXXX XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " XXXX XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my Equifax and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared XXXX XXXX bankruptcy. XXXX Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, XXXX Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and Experian still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.

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 2022-02-10 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: NJ

Complaint narrative:
TransUnion without my permission pursuant 15 USC 1681 ( B ) furnish information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed 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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
On Tuesday, XX/XX/2022, this company contacted my employer 's human resources and they left their phone number and reference number. One of the representatives from my company email me this information on the same day. The information left was the phone number ( XXXX ) XXXX and reference number XXXX. When I called, they never said the name of the company. One the guys " Sorry, forgot the name '' says that I owe CashLink. I was coming from out of town and carrying the luggage upstairs. I called back and ask for a letter to be sent to me which they said that they couldn't. Then I was told that someone is supposed to bring me a letter. I was very confused. They wanted me to verify my social security number which I wouldn't. I called again and said that you are not supposed to contact my employment in which they said that they didn't. I advise them that I wouldn't call this number and have a reference number if they didn't. On Wednesday, XX/XX/2022, I called to get the name of this company which I was given XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/2022 I applied for a credit card with US Bank requesting a credit of {$25000.00} to take advantage of twenty one month no interest to pay several high interest rate loans. I removed the block on the credit reports. On XX/XX/2022 I was approved for {$7200.00}. I called US Bank several frustrating times using multiple numbers or a two day period. I endured at least twenty minutes before speaking with a live agent. When I finally spoke with a live agent I explained to customer service then again to its underwriters that my credit score at the time was around XXXX with a perfect or excellent pay history. {$7200.00} is not enough to pay the debt. I was told I need to ask for a credit line increase maybe and my credit report had to be pulled again. I submitted over the phone another application and my credit were pulled and US Bank was denied access because I have a block on my credit reports. Now US Bank denied a credit line increase because it could not access my credit report. No information has changed since the last credit inquiry a few days ago and as it is common knowledge credit report inquiries reduces the credit score. US Bank has the refused to restore the points by removing the inquiry or increase my credit line.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian adding fraudulent inaccurate information to my credit report. 

While reviewing several documents from experian I discovered my name being reported, posted, available and shared with other reporting agencies and credit monitoring programs. I only carry one single legal name which has never been changed. Experian has illegally added someone elses last name to my credit report and has it listed twice. This is absolutely NOT legal and Experian has no rights to address me in such a way calling me out of my legal name and sharing this false information. As a result of that an account belonging to someone else has been placed on my credit report with XXXX and because experian has been reporting and providing others with false information XXXX refuses to remove that account. 

Experian continues to fraudulently add and report false information, when I discover the inaccurate info and dispute it, experian retaliates by reporting MORE .... I've attached evidence as proof. 

Experian has reported an unknown fraudulent address 3 times, listing it as an " business '' Proof experian is allowing unknown and unauthorized persons access to my report. With this unknown address listed, puts my family and I in danger and at risk for harm. 
More fraud, My business name has somehow been added to the report but its VERY obvious it's intentionally and poorly spelled, misspelled with poor letter placement making it unrecognizable as a legal entity and could never prosper, never gain any type of business benefits such as credit, grants nor loans. 

Because I have rebuilt my credit and have A PERFECT 100 % on time payment history with a good credit mix and my profile isn't run by subprime and predatory lending accounts and loans, Experian continues with the fraudulent activity and went as far as fraudulently placing ID security fraud alert onto my credit reports!!! This is SICK and disgusting how these credit reporting agencies are allowed to sabotage consumers struggling during an gobal pandemic or at ANY time! 

Never once did I initiate fraud alert to be placed on my credit report. I AM REBUILDING after my bankruptcy Attorney, Attorney XXXX XXXX sold my XXXX XXXX discharged bankruptcy to bankruptcy debt buyers that buy only XXXX and XXXX cases ..... including the debt buyers in the case as a creditor, altering many accounts to appear different from the discharged accounts totally disregarding a federal court order, 5 years later discharged accounts active AND reporting and some STILL trying to collect on the debt! And I super HATE the fact CFPB arent really for the consumer. And definitely dont enforce laws, rights nor fairness.

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 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Problem with XXXX/Loancare servicing. 
I have a NON-escrowed mortgage for most taxes and insurances ( only flood is required to be escrowed ). This servicer received a regular COPY of the windstorm insurance bill and decided to pay it without communication with me. Added it to my escrow without my consent. Since I was not aware, I tried to pay the bill with my insurance company and was told I was fully paid. Six months later I receive an escrow analysis statement with the prior payment, resulting in a large shortage in my escrow account. They also ADDED the future renewal to my escrow account creating a further shortage and dramatically increasing my required monthly payment. I spoke to the servicer 3 times about the error. They acknowledged the error. They promised to correct the error. After a month and a half of this back and forth, they still have done nothing to correct. The increased payment was due XX/XX/XXXX. I did not pay it. I have decided to payoff the mortgage. Today is XX/XX/22. 
I requested a payoff online on XX/XX/22. My request shows on their website. It says expect in 1-2 days. I CALLED today and spoke to a representative who said a supervisor would send me a payoff within the hour. No payoff forthcoming. I have already sold securities to pay this loan off ( that is how frustrated I am ) resulting in a large capital gain expense. The " service '' from this company is unacceptable and abusive. They tell customers what they want to hear just to get them off the phone and then do nothing. Not to mention the difficulty just to get to speak to a person.

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 2022-02-10 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I've purchased a {$500.00} worth Vanilla XXXX gift card. Which stolen someone & used online. My card number is listed below. 

XXXX XX/XX/30 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NJ

Complaint narrative:
I contact the bureaus to have information updated and removed, however still appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: U.S. BANCORP
State: CA

Complaint narrative:
Follow up on Compliant : XXXX Did not receive Account opening bonus of 50,000 points ( after {$3000.00} purchases ) as explained in the letter received XX/XX/2022 after many inquiries. 

Finally received the letter from US bank that said my puchase of {$170.00} from XXXX XXXX did not count as purchase requirement because it was a " Transaction to Purchase currency ''. However, I bought a gift coin set, it was hardly a currency transaction as the dollar demonination of the purchase was {$2.00}. 

It was highly unprofessional to notify the reason after so many inquiries due to a relatively simple gift purchase that was not being counted. 

It is deceptive and inaccurate to count such gift purchases as " transactions to purchase currency ''. As a cardholder without any intentions to defraud the bank, I am greatly disappointed as how this is how a customer is treated.

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 2022-02-10 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: LEXISNEXIS
State: NC

Complaint narrative:
XXXX  & LexisNexis refuse to provide me my full credit file ( front & back ). 

LexisNexis shared information with XXXX without my consent and credit inquiries from unknown sources improper. 

XXXX mailed me a letter, in contradiction, XXXX instruct me to furnish verifiable information such as address etc. that they have confirmed via XXXX letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is a " Hard Inquiry '' from US SM BUS ADMIN ODA - inquired on XX/XX/2020 This inquiry was not requested, nor authorized by me and I did NOT have any knowledge of. 

What is this? 
Did anyone benefit from this? Fo I did not.

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