vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
Re : Interests were capitalized in error. 

It came my attention that on XX/XX/XXXX FedLoan Servicing performed a retroactive action on my federal student loan accounts to capitalize all unpaid interests retroactively as of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX a transfer of my student loans occurred due to my submission of a Public Service Loan Forgiveness XXXX XXXX ) Employment Certification form. When this transfer occurred in XXXX, all of my student loans were already on the Revised XXXX payment plan. There was NO CHANGE in the payment plan as part of the loan transfer. There was NO CONSOLIDATION OR ANY OTHER CONDITION that would lead to an interest capitalization event. 

My initial communication to FedLoan on XX/XX/XXXX about this issue led to a response from FedLoan stating that " When your loans transferred to FedLoan Servicing from your prior server the interest was added to the loan Balance. '' However, this answer from FedLoan Servicing was incorrect because the circumstance of my loan transfer ( due to XXXX  certification ) should not have triggered an interest capitalization event. My follow-up inquiry to FedLoan on XX/XX/XXXX seeking further clarification on this issue has led to no further response from them. 

I am writing to seek your assistance to compel FedLoan Servicing to immediately correct their mistake and reverse all related retroactive changes made to my student loan accounts in XX/XX/XXXX in connection to your error in retroactively capitalizing the unpaid interests as of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
We are trying to close a line of credit that we never used or had a balance on. We have called XXXX to cancel so Huntington will not charge us {$60.00} fee to renew. We dont want to renew. They make us wait XXXX minutes now for the third time to try to cancel. The last mortgage agent was extremely rude and put us on hold XXXX minutes to speak with his supervisor we finally just gave up. Please help us. We want to cancel our account we are afraid they are going to hurt our credit because of the renewal fee. The account was open for XXXX years and has expired. It should be cancelled and we should not be charged

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
THE COMPANY, PORTFOLIO RECOVERY ASSOCIATES, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF '' ORIGINALLY ON MY CREDIT REPORT. THIS MEANS THE ORIGINAL COMPANY THAT PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS ALLEGED BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR XXXX. WHEN PORTFOLIO RECOVERY ASSOCIATES PURCHASED THE ALLEGED BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role and are only credit reporting agencies. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' PORTFOLIO RECOVERY ASSOCIATES is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I have proof of claim from a prior complaint response from PRA admitting to their crimes of buying my debt and admitting to sharing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The credit card was sent to me with the wrong first name on the account. I attempted to rectify this with the company and actually have another complaint filed against them that I am waiting for them to respond to regarding the name issue. They told me to fix the name that I had to send them a copy of my social security card and ID, which I faxed it and they never responded or fixed it. So, I mailed it and asked for signature on delivery. The signature reads, XXXX XXXX- I highly doubt there is an employee named XXXX XXXX - this is concerning because it was sensitive information, anyone could easily steal my identity with this information that was in the package. I have attached a copy of the tracking so you can see the signature name. I am very concerned. I think considering that Citibank has possibly compromised my information multiple times that they should pay for identity theft monitoring for the next year. I also would like to be reimbursed for all of my postage costs due to their mistake and incompetence. I also attached a copy of my conversation with customer service in which they told me to send my sensitive information to this fax # and address.

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 2021-12-01 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: TX

Complaint narrative:
I contacted Capital One Auto Finance on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to XXXX and XXXX. I sent in disputes through the mail with XXXX and XXXX. XXXX has not responded yet. XXXX responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my credit score. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. Capital One Auto Finance agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged a cash advance fee and I asked for a refund because merchant never stated that I'd be charged a cash advance fee. I would like a refund on this cash advance fee or I will no longer make a payment to Capital One. I tried to solve this issue with a representative and manager but they were unable to resolve this issue. Because you wasted my time and caused stress, I also want interest charges to be waived. If you do not waive these charges, I will no longer make any further payment to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. I got an auto loan for my XXXX XXXX XXXX on XXXX of XXXX in Atlanta. I have now transfered to Florida now that I have relocated. The orginal loan was for $ {$11000.00} at a 28 % interest rate and the bank I am with is American Credit Acceptance their website is https : //americancreditacceptance.com/. Their contact information is XXXX the addresses they have is American Credit Acceptance : XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

When I got into this loan I was told the process of where my monthly payments would go. In my welome kit and on their website they said my payment of $ XXXX month will be applied in this order. Attached to this complaint will be that information. Here is it below : HOW PAYMENTS ARE APPLIED ACA applies your payments in the following order. 
1. Miscellaneous fees ( repossession fee ) if applicable 2. Interest ( currently due ) 3. Principal ( current and past due ) 4. Fees ( late/NSF ) 5. Remaining Principal They have not been applying my money to my prinipal at all. They have skipped months only putting my payments in interest and nothing towards the principal if you look at the attached document they sent me of showing where my money is being applied. If you noticed they have skipped multple months in applying any money to my principal then when it is applied it is in different amounts. Everytime I call them I am given incorrect information on my loan. The last agent I spoke to told me my interest rate was {$8.00} no agent is capable of given the correct information and looking at how they have been applying money to my loan it literally looks like childplay. I have paid this company almost {$8000.00} on my {$11000.00} loan. After {$8000.00} and almost 2 years I am being told I am still at {$11000.00}. If you look at my documents to see my grand totals you will see that over {$6000.00} has gone to my interest payment and {$700.00} to the principal. Please I need justice I am a single mom and I have been working really hard to mantain XXXX  car but this is not right and it seems very illegal. 

Please I need justice. I have spoken with the company and no solution has been offered. I have also filed a complaint with the XXXX This is my next step to getting justice now that they have sent me the proof of where they have actually been applying my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Received my report from ChexSystems after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from XXXXXXXX XXXX in the amount of {$1300.00}. I filed a dispute with ChexSystems and requested validation, they claimed the debt was valid and refused to give me documentation from XXXX XXXX  proving the alleged debt. I believe that Chexsystems is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of XXXX ( 4 ) consumer rights to privacy for child support to be on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Filed a request for a car title and bill of sale with Ally on XXXX XX/XX/2021. The lease payout was made in full. Was told the process takes XXXX days. It has now been XXXX  days. Ive made over XXXX calls to Ally. Have sent numerous emails, including to XXXX XXXX the Ally XXXX. No title, no response and no resolution.

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 2021-12-01 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: KS

Complaint narrative:
To start off, I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX in 2018. I am currently trying to buy a house through my bank. My bank keeps trying to access my credit scores, but is being refused my Equifax report. The error message that my bank receives from Equifax is " file suppressed, fraud request. '' There is no freeze or fraud warning on my Equifax account as per Equifax themselves and I can also see this on the account I created on their account. They suggested that it was being denied because the name on my account ( XXXX XXXX ) doesn't match the name my bank is using ( XXXX XXXX ). From there, I have been trying to update the name on my account. Equifax refuses to update my account with the new name. I first tried faxing my name change legal order to them. They apparently did not receive it within 3-5 business days. I then created an online account with them and tried disputing it online by only submitting the name change order. My first dispute was flat out deleted. The dispute number doesn't show up on my account and there is no dispute result to view or download. After calling, they said that they could see the document that I uploaded and the dispute on their end, but would need other documents such as my XXXX  card and a picture of my drivers license. I disputed it again and submitted those XXXX documents. Their response is that my name is currently reporting correctly on my equifax credit file ( as XXXX XXXX ) and did not change my name. I am now disputing it a third time, this time with the name change order, my XXXX card, my drivers license, and the information page of my passport. Seeing as they do not seem to care about actually doing their job, I would like to have the cfpb also contact them and put pressure on them to actually do their jobs. Since my name on their account does not match the one that my bank is using, my bank can not access my credit score and therefore can not approve me for a mortgage. This is actually causing me a lot of hardship because I do not currently have any place of my own to live. I am currently staying with family because I lost my apartment back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
The Credence company located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, keeps harassing me that I did not pay the XXXX & XXXX internet bill and needed to pay the debt. The internet line was disconnected at the end of XX/XX/2021 by XXXX & XXXX after receiving my request. But the credence is asking to pay the bill for the month of XX/XX/2021, when my internet line had already been cancelled. I have asked the credence to send me details ; however, they are not cooperating ; instead, they keep sending me collection notices without more information. They must need to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
Received email from USAA on XX/XX/29 that my account was to be closed due to XXXX  years of inactivity, which is valid. This account was open for many years ( 10+ ) and helped my credit score. They gave me XXXX  days to spend on the account to keep it active. I ordered a new card which took a couple weeks to show up and it did while I was out of town for the holidays. I planned to come back activate and spend money on the card to keep the account active. The XXXX day period is unacceptable for removing accounts that people count on the bolster their credit score due to good standing and longevity. 

Called USAA on XXXX when I came back home to activate the card and spoke with XXXX reps and was told it was impossible to reopen an account that they closed even if it was 2 days ago. 

Years of good standing credit history wiped away with a short runway to get in compliance in unacceptable from a company like USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My complaint pertains to my Jet Blue XXXX issued by Barclays bank. The company recently solicited a balance transfer/cash offer. This offer was for 3 % and offered XXXX interest into 2022. I decided that I wanted to pay off some higher rate debt and requested cash for {$7000.00} and accepted the 3 % cost of XXXX dollars. Barclays processed by request on XX/XX/2022 and posted the {$7000.00} to my checking account. When I looked at my Barclays balance to make sure I was charged the correct fee I noticed that they debited my XXXX twice for both the {$7000.00} as well as the {$210.00} fee. I now show having a {$14000.00} dollar balance which is inaccurate. I immediately called them and was told it was a known issue that they had duplicate entries processed. I have since called XXXX more times and get told its still a known issue and its being worked on. This false posting is now impacting my FICO score as it looks like I'm borrowing {$14000.00} dollars when in fact I'm only borrowing {$7200.00} I am very concerned about why its taking this long to resolve. I would greatly appreciate it if you can look into this on my behalf.

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 2021-12-01 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: U.S. BANCORP
State: WA

Complaint narrative:
Received my report from XXXX after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from US Bank in the amount of {$1300.00}. I filed a dispute with XXXX and requested validation, they claimed the debt was valid and refused to give me documentation from US Bank proving the alleged debt. I believe that XXXX is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion and XXXX continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of 1681a ( 4 ) consumer rights to privacy for child support to be on my profile.

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Following XXXX transactions are not authorized. 

{$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 I filed a report in regards to these XXXX transactions. However, the bank did not even issue a temporary credit while investigating these charges and weeks later, they denied my claim. Wells Fargo is acting irresponsible for its customers when it comes to high amount claim because they are very greedy. This so-called {$0.00} liability guarantee is a false advertisement. Evil corporation likes to take from the poor. Please issue a temporary credit and reinvestigate these charges.

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