vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-07-31 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: DISCOVER BANK
State: MD

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, and DISCOVER PL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and DISCOVER PL with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX   and CAPITAL ONE BANK USA N and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have a loan with TARGET/TD, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TARGET/TD,  XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a loan with XXXX, CAP ONE NA, XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CAP ONE NA, XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: DISCOVER BANK
State: MD

Complaint narrative:
I have a loan with XXXX, XXXX XXXX XXXX, DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with XXXX XXXX XXXX  XXXX XXXX and CITICARDS CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX and CITICARDS CBNA with no successful resolution. There was definitely an error on their part.

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 2020-07-31 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: CL Holdings LLC
State: MD

Complaint narrative:
I have a loan with JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have a loan with XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.

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 2020-07-31 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked up my credit report and there was a information on it that I had applied for a loan for a house and I was wondering what has happened because I have not ever applied for any loans, ever. I hope that we can resolve this so I dont have anyone trying to establish any lines of credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i been seeing unautorized transactions have been used on my debt checking account i missing over XXXX dollers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I originally filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and the company responded on XX/XX/XXXX. In short, back in XX/XX/XXXX, my spousal consolidation student loan with American Education Services ( AES ) was placed into forbearance against our request. When our monthly account payment was not debited as normal on XX/XX/XXXX, I called American Education Services ( AES ) and was surprised to learn that our loans were placed into forebearance. Since that time, I have been engaged with AES through approximately 10 phone calls and multiple hours on the phone to correct the forbearance issue and also resume a similar monthly payment schedule on our loans. 

As of late XX/XX/XXXX, AES did correct the forbearance issue and was able to remove the forbearance from the account and correct other delinquencies which were listed on the account as a result of the forbearance error. We appreciate these corrections. Due to the forbearance, however, AES also explained that they had to redisclose the terms of our consolidated loan because the account was placed into forbearance. I was originally told that my new monthly payment amount would be {$560.00} and would be auto debited on the first of each month to begin on XX/XX/XXXX. Unfortunately, no payment was debited from our account on XX/XX/XXXX as promised/stated and I had to log in and do a manual payment after XX/XX/XXXX. I have been regularly monitoring the account through XXXX and I can see that the direct debit payment amount is still incorrect and the payment terms that I have been quoted multiple times have also not been updated. 

Since being assigned an AES senior account specialist, XXXX, I have been assured that the terms of our loan would be redisclosed with an end date in XXXX and that our monthly payment amount would be approximately {$560.00}. When I log into my account on-line, however, AES is showing my monthly payment amount of approximately {$350.00}, but this is incorrect. I want to request that AES update my online account and monthly direct debit to the amount and loan terms that I have been quoted multiple times on the phone. Again, the monthly direct debit amount should be close to {$560.00} with the loan repayment being completed sometime in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC doesn't allow me to link my account with XXXX. I am currently using XXXX as my savings and investment account, and have my other Bank linked to it and would like to link PNC. This is not an option and I honestly am considering changing banks, because of it. It is my money, my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im a XXXX XXXX, I applied and was approved for a ppp loan, my funds was deposited into my navy federal personal checking account and they decided to freeze my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
i am setting up a payment system with XXXX and PNC and when i log into the account it says cfpb is not allowing me to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
In XX/XX/XXXX I was contacted by XXXX XXXX ( XXXX XXXX ) a XXXX based entrepreneur to invest in bitcoin mining. After exchanging with him for over 2 months I started investing first XXXX euros by XX/XX/XXXX. For a total period of 8 months, XXXX XXXX along with his accomplices and XXXX have successfully extorted over XXXX euros from me. I was given countless excuses, false and very believable references, made-up social profiles, false numbers. I was given deadlines to pay fees in order to be able to retrieve my earnings and made to pay daily fees ranging from {$200.00} to {$1000.00} until I successfully executed the payment. Payments were mandatorily sent to the scammers in the form of bitcoin which means I had to withdraw the cash from the consistently, use a bitcoin atm in XXXX that allowed significant sums to be sent. I had to live by every single day borrowing money from my family, friends, finding lenders to be able to pay for the daily fees, and penalties the scammers were giving me. I was unable to travel back home for XXXX having to find a way to come up with XXXX euros during XXXX and XXXX XXXX ( as they also charged me fees on those holidays ). I spent 8 months waking up knowing each day would cost me {$500.00}, {$200.00}, {$1000.00}. I was unable to follow through on my work and had to take a step back for these 8 months, focused on getting my earnings back. I withdrew significant amounts of cash from the XXXX XXXX in gent and never once was I asked why I was doing so or why was I continuously withdrawing such amounts. I have been unable to pay my taxes, sustain myself, and had to start my business all over again since this XX/XX/XXXX when I finally came to the realization that this was indeed a scam. The damages were not just financial and now criminal as I cant even pay what I owe to the Belgian government in terms of taxes, they were emotional and physical ; enduring 8 months of constant stress that could have been prevented had the financial entities responsible to audit and control the circulations on money asked me why I was taking and needing so much cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XXXX I submitted an initial VA application for Mortgage for {$170000.00}. My case file was assigned to XXXX XXXX ( Loan Officer ). This individual made no attempts to contact me as of XXXX until I contacted Navy Federal for her to make contact with me. By this time I had lost the residence I was looking at. When the Loan Officer and I finally spoke I requested to increase the amount to {$300000.00} as I was looking at another property. I asked a variety of questions : To be provided with my VA eligibility letter, closing cost, etc ... Loan Officer responded to my inquiry to the best of her ability. During our phone conversation I informed the loan officer that inspection was scheduled for Saturday XX/XX/XXXX @ XXXX. I should have known by then that she wasnt paying attention. Anytime I was asked for something by loan officer it was provided within 24-72 hours. On XXXX I email the loan officer as to if she required anything else and she then informed me that my POC moving forward was XXXX XXXX ( Processor ) as my case was transferred to processing on XXXX. I then sent the processor the same email on XXXX, XXXX, & XXXX with no response. Processor finally made contact with me via phone and advised she did not require anything at the time. On XXXX processor requests documentation and was provided all information immediately. On XXXX I called to check on the final numbers and the Loan Officer was oblivious as to anything going with my case file especially since I was schedule to close on Thursday. I was very annoyed because she informed me that my close was for Friday vice Thursday that she was unsure of final numbers and status as this was with the processor. The loan officer advised me of a couple possible outfits but not of the one I received on XXXX. After speaking with the loan officer who informed me my processor was out I was contacted by processor XXXX XXXX who requested specific documents provided to both the loan officer and processor and all information was forwarded to her immediately so that she could see all this information was provided in a timely manner. At this point I felt that both the loan officer and processor did not do their jobs. On XXXX Processor XXXX XXXX reached out to me and informed me that she would be my processor moving forward that my case file was not complete due to an employee error and that she is aiming for an XXXX closing as she has been authorized a one review process vice two to get me to clear to close due to the employee discrepancy. By this time Supervisor XXXX was involved. On XXXX XXXX reached out to me again for additional information and all was provided and later on that evening she returned dreadful information of it being declined. I feel that Navy Federal has no intentions of affording options to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Inc. contacted my employer in XXXX looking to speak with me regarding a debt collection attempt, and have contacted my employer on other occasions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with Comenity Bank and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, 2020 and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor Comenity Bank and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For Comenity Bank, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a retired military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: MO

Complaint narrative:
On my Experian account they have just about all of the same accounts listed 2 times a piece. Thats causing me to have over 20 accounts open which is not true. Then on some of the accounts their listed current but closed. I have paid these accounts off like acceptance now, XXXX, comenity XXXX XXXX. So why is it closed when I paid them all in full. I just rather then delete the whole account.

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