vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$170.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.

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 2020-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent an initial dispute of inaccurate data being published on my credit report XXXX XXXX. After 30 days, once the investigation was complete, I noticed the erroneous information still remained. I sent a follow up demand to verify or delete on XXXX XXXX. It has now been over 45 days, with no verification that the data is accurate and no reasonable response from the bureau. I sent another correspondence notifying the bureau that they were violating my rights by continuing to publish this incorrect, incomplete data on XXXX XXXX. I also requested again that they delete this information. According to FCRA regulations they have 30 days to investigate. As of today, the bureau has had over 90 days to complete multiple investigations and provide proof that the items are 100 % accurate and complete. They have continuously failed to comply with the law and take appropriate action.

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 2020-10-20 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: FL

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.

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 2020-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC
State: VA

Complaint narrative:
I purchased a vehicle with a co signer and got behind and a judgement was ordered. I came to court to fight it but the attorney stated that I did not have to go in front of the judge not knowing the judgment would be granted. On XX/XX/XXXX I received a letter with a balance of my loan with an account number. My co-signers bank account was put on hold because of this I payed them to release the money and started making monthly payments of the amount of XXXX in XXXX I made 2 payments 1 for XXXX and 1 for XXXX and the payments did not post to the account I normally make the payments on. They collection agency seperated me and my co-signer and made 2 different account numbers for the same loan and one XX/XX/XXXX they stated we both have to pay over XXXX for the same car loan. I have tried to reach out to the attorney and he does not call back they are very rude and this is not right

Company response to consumer: Untimely response
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I made a cross country move and charged the moving bill to my credit card on XX/XX/XXXX. The amount was over {$9000.00} and my credit limit is {$12000.00}. I made an {$11000.00} payment on XX/XX/XXXX by logging in to my credit card account and choosing " pay from bank account ''. I received notification on XX/XX/XXXX that the payment had been successfully made and credited to my account. On XX/XX/XXXX I attempted a charge with my credit card and it was declined. I phoned the credit card company and was informed that my card was declined because I was over my spending limit. While on the call, I logged in to my bank account and informed the credit card representative that my checking account shows the payment was withdrawn and paid to CitiBank Advantage on XX/XX/XXXX. I was then informed that Citi had placed a hold on my payment to prevent fraud. I inquired how often fraud happened by someone fraudulently paying off someone elses credit card. This was not to prevent fraud. It was to earn interest for Citi on my payment amount while freezing my account and not allowing me to make charges. My credit card statement was issued on XX/XX/XXXX and shows the payment of {$11000.00} to my account. I was still told that my account was over the spending limit and therefore could not be used until XX/XX/XXXX. This is unacceptable and yet they have refused to do anything about it.

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have a auto loan with Credit Acceptance. I'm on auto payments. In XXXX they said the payment wasn't applied. Then it went on my credit report. I'm still making payments as I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
I have not received my provisionary credit for a dispute that I filed on XX/XX/XXXX I sent in my dispute form by mail I was never given a provisionary credit under Federal Regulation e I was not also accommodated provisionally under the Americans with Disabilities Act I've  also spoken with several supervisors and they all have made up lies and hung up on me and created tickets which is a violation of the corporate Espionage Act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, money exited my checking account without my authorization or consent. The bank indicated said they made a mistake and sent money out of my account in error. They have done nothing to fix it on their side and I have not received any confirmation that they will do anything to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a summons to mediate for the collection amount of XXXX for XX/XX/2020. My attorney has attempted to contact the law firm several times ( leaving messages and attempting to resolve this issue ) that is listed on the documents with no response. Because they are not responding, it's making it very difficult to resolve this legal matter. It has been about a month since I received this notice and have not spoken to anyone regarding this. What I don't understand is how can you sue someone using a law firm but don't respond to consumers or even law firms to resolve legal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: KS

Complaint narrative:
received a billing statement from Military Star for {$6900.00}. I have never had an account with this company. I filed an action with identitytheft.gov on XX/XX/2020 and sent Military Star a disputed account letter but haven't received any response from them

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 2020-10-20 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: WA

Complaint narrative:
An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with Equifax and XXXX, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX  Account # : XXXX Account Name : DPT ED/XXXX  Account # : 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 2020-10-20 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: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX Discover Card offered a zero percent interest rate on all purchases for 12 months. I've been a customer of Discover since 1996. I only use this card once a year to keep my account open, due to high interest rates. Upon receiving the promotional 0 % APR, I commensed to charge on the card. Over XXXX XXXX dollars were charge under the impression that it would be a 0 % APR. Upon receiving my next statement, the normal 11.99 % interest charge was still in place. I called to inquire and was told that in addition to activating the card, I had to call a different number ( not provided ) in order to activate the new interest rate. Discover was willing to activate the 0 % interest rate on any future charges, but the balance would still have 11.99 %. This is a deceptive practice and false advertising. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
On XX/XX/2020, I purchased 2 vehicles from SALE BMW in XXXX, NC. Both vehicles were advertised as new on their website and confirmed as new by the salesperson XXXX XXXX. The bill of sale and all paperwork with the sale that was turned into the state of NC states my vehicle is new. However the financing portion that was turned into BMW financial was checked " Certified Pre-Owned ''. I did not realize this until I took my vehicle into get the navigation uploaded that the Service Manager XXXX told me that my vehicles were Certified Pre-owned and that I could transfer the BMW care package from the previous owner for XXXX which I did pay for one of the vehicles. If my cars were " New '' they should have come with BMW Care for 3 years/36,000 miles. I spoke to my salesman XXXX XXXX about the situation and he said, " Oh yeah, if a vehicle is on the lot at year end, we take all the promotional money off the car by turning them in as Certified Pre-Owned so we can pay the taxes on the vehicle. '' At this point because the vehicles were advertised as new and they clearly weren't I have been screwed out of XXXX in financing with a dealership I do not trust. I will have to take my vehicles to another dealership over XXXX miles away to get them serviced in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Car was in a accident gap was in the contract. The car was totalled my insurance paid them {$9900.00} i paid {$6000.00} so far with XXXX included for down payment the cash price for the car was XXXX the contract states if the car is distroyed r theft i am no longer obligated by the contract as long as the cash value of the veichle was paid to the loan company but they still trying to get the inerest on the loan from me they already got the cash price n more for the car

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 2020-10-20 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT EDXXXX Account # : XXXX Account Name : DPT EDXXXX Account # : 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: GA

Complaint narrative:
My loans were originated in Sallie Mae. As a XXXX, for years I completed documents with my employer a XXXX  for XXXX  XXXX  to cancel my student loans. After nearly cancelling all of them However, Navient acquired the loans and now it appears I owe them {$27000.00} This amount is appearing on my credit report lowering my credit score. I am aware Navient has a lawsuit for misdirecting borrowers and I believe was one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a Synchrony Amazon Store Card for a few years now. I have used the card regularly and always paid off the full balance on the card. Before and during XXXX XXXX XXXX this year ( XX/XX/XXXX ), I made multiple purchases at XXXX and charged it with the Amazon store card. The store card purchases can receive 5 % cashback on all XXXX purchases, and during the XXXX XXXX promotion periods, they run a promotion for 10 % -25 % cashback on some items. I made several purchases with those promotions. However, the bank closed my account on XX/XX/XXXX. I contacted their agent online and was told that I have too many cards with Synchrony. However, I have only one card with them - Amazon Store card. I don't understand that the definition for Synchrony of too many is 1. The agent said she/he would escalate the issue with higher management and would get back to me, but no one contacts me at all. 
I believe that the only reason that the bank closed my account is due to that they would need to pay me the rewards for my XXXX   purchases before and during XXXX XXXX  XXXX XXXX promotion. The only way for them to avoid paying those rewards is to close my account. That's why their agent made up things such as I have too many accounts with them, while the fact is I only had one.

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 2020-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
My home refinance settlement date was on XX/XX/XXXX. Caliber Home Loans was holding approximately XXXX of escrow money. As of the end of XXXX I had not received my escrow funds so I called XXXX. They stated that they mailed them. 

I called again in mid XXXX because I still had not received my escrow account funds and asked if they could cancel the check and send me a new one and asked to have it sent as a rush/express because it was past the 30 days they have to refund my escrow funds. I need my escrow funds to pay off a debt that is accruing interest. 

XXXX told me " NO ''. They said I would have to cancel the check they sent and that it would be a few more weeks to get my new check processed and sent. This is unacceptable. It has been almost two months and they have not been willing to do the right thing and refund my escrow balance in a timely manner. 

The servicer has rights to enforce against the borrower when a deficiency occurs. 

The consumer should have the same kind of rights. Servicing rules on the CFPB site have such language : The servicer must advance funds to make disbursements in a timely manner as long as the borrower 's payment is not more than 30 days overdue. Upon advancing funds to pay a disbursement, the servicer may seek repayment from the borrower for the deficiency pursuant to paragraph ( f ) of this section.

Company response to consumer: Closed with explanation