vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cash app account and I believe someone had access to it so I created a second cash app account they told me I was allowed to have as many as possible a couple months ago I closed my original account I have contacted customer service yesterday and today over and over to request copies of my bank statements due to my need to amend my taxes and when you amend your taxes the IRS requires proof of the things you are saying. Every single time they contact me back as a brand new customer service representative saying the exact same thing they can't Grant access I never asked for Access they offered a temporary access so I can download my statements I said that's fine they came back said oh sorry we can't do that because somehow it would jeopardize my second account with them and they have security measures in place and I said fine email me or mail paper copies of my statements and the next reply is exactly the same I can not Grant you access and the next reply is the same and the following replies the same in the following replies the same I have three times asked for a higher level tier representative to assist me nobody has even addressed that or said they would move my ticket up to a higher level they have not even acknowledged that I asked that and I refusing to assist me beyond level one help desk support I also asked them if I close my second account then I should be able to have access to my first account and nobody has addressed that question for me but yet each customer service Representatives closes with the same sentence please let me know if there's anything else I can help with only nobody actually helps me with things that I ask for like someone else to assist me or are you going to mail or email my statements or if I close the other account then I should be able to access the first account and then they said we can not provide any more information to you. Last I checked they are providing a service they are making money off of me that checking account was my money that I made I earned those statements on my information and it hasn't been 5 years it's been a couple of months I would like access to my information to go ahead and amend my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX XXXXXXXX 2 late payments 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
I've left messages for a manager to call back regarding an ongoing issue pertaining to missing funds from Discover closed accounts, no call back received to date, two messages left with XXXX and XXXX with Discover executive office, neither one returned. Follow up calls were made, both reps referred calls to XXXX whom I've spoken with prior, in which case there is no resolution, we talked in circles, thus the need to speak with a manager... The issue includes non-receipt of funds in the amount of {$140.00}, the total of combined accounts including checking account ending 1960. Funds were sent to XXXX XXXX as part of a fraud claim in amount of {$690.00}, this amount, {$140.00}, does not cover claim and according to reps with XXXX XXXX executive office including XXXX XXXX, payment was not cashed and rejected back to Discover. Please note, I attempted to explain this to XXXX, we talked in circles in re, he claims instructions from XXXX XXXX XXXX remaining funds in Discover accounts are to be sent to XXXX XXXX ... Further, he verified check was not cashed, in which case he stated check could be resent which I advised would also not cash, reiterated XXXX XXXX does not accept partial payments... Prior to this, full payment was supposedly sent to XXXX XXXX in amount of {$690.00}, letter from Discover is attached, XXXX XXXX has no record of this payment at all.. Should this complaint be marked as duplicate, it will be resubmitted, sent to other agencies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has not provide the information I requested over the phone. I called XX/XX/2022 and requested documentation showing how I was approved for all my private loans, which is to include the Debt to income ration and my credit score at the time when I was approved for all the loans. I was told that I would get something in the mail in 15 days and never received. 

I called again on XX/XX/XXXX and was told that I would have the documents next week and I still have not received the documents. 

I called again on XX/XX/2022 and was told a letter was created and I would get documents by next week and I still did not receive to date. 

Navient does not seem to want to strive to get me what I need. This is giving credence for me to believe that there was deception involved with how my loans were approved. XXXX XXXX themselves have already been proven to be practicing predatory lending in regards to my Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
I am making a complaint to CFPB in reference of inaccurate information on my credit report. I have spoken to Equfax on numerous occasion and was infomred that the issue has been resolved and investigated. If this was the case then the information would have been corrected. The following accounts are still inaccurate and is having an advserse effect on my credit. Accoridng to U.S.C. Sec 1681i ( a ) this is an infracation of the Law. The folling accounts are inaccurate and this proof was also provided to Equifax and was properly repported in XXXX. XXXX XXXX XXXX # # # # # # # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX which is accuatley on my credit report 2 times for the same account having an adverse effect. as well as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AE

Complaint narrative:
I'm a XXXX XXXX  XXXX XXXX I applied a credit card with XXXX  XXXX XXXX, received card within 2 weeks, Once I received my card at my XXXX XXXX XXXX, I was able to activate card but XXXX  XXXX XXXX placed a fraudulent alert on my card and blocked any usage. I called XXXX XXXX  XXXX, but due to me not having a US number, they kept stating that they weren't able to authenticate me because they couldn't send me a text message, even tough I was receiving emails and push notifications on mobile APP. XXXX  XXXX XXXX opened an account but then they couldn't authenticate me, what a joke.. Great service to members of XXXX XXXX?? Now my credit will show opening and closing of an account on my behalf and possibly have taken a hit on my credit report and not to mention I spending over 4 hours playing phone tag, bein Authenticated back and fourth .... 

Never again I will open any account with XXXX  XXXX XXXX as they have fooled me in opening a credit card account but then locking me out of using it.. This has to be clearly against the law, obviously they knew I was XXXX, when my address was clearly an XXXX XXXX to state they can't authenticate me because I'm overseas is bogus.. 

Attached is email received from XXXX  XXXX XXXX, sending code to register my account with mobile banking ( in which I was able to Register )

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX Citibank send me a letter saying that they were going to close my account they didnt give no reason I tried calling and they hanged up on me telling my no reason for the closed account so I wait the 60 days that they said it was going to take to close the account and nothing yet I tried call again and same thing hanging up on my and saying I need to wait thats not fair I need my money I want to know where can I get help Im so desperate I need my money all my account whent negatives because of this problem and they dont care Citibank

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 2022-05-17 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: CA

Complaint narrative:
Transunion has been reporting wrong amounts on my XXXX accounts. XX/XX/2022 my score dropped 72 points because they reported my balance increased XXXX. Interest on that loan should have only been XXXX. XX/XX/2022 Transunion reported that XXXX of my XXXX accounts increased XXXX and XXXX. I went down another 4 points. Again I'm only paying the interest right now. Then on XX/XX/XXXX The balance decreased on all XXXX accounts by XXXX, XXXX, and XXXX and my score only went up XXXX points. This is just one month it happens every month therefore I can't get my credit to rise at all. The increases know my score down 50-75 points every time and decreases only raise my score up to 5 points. Most of the time it does nothing.

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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/22, I contacted Pro Collect Inc via email about a {$3100.00} debt that I allegedly owed. Each time Ive called to get information, Ive been harassed about payment and not provided with information. They keep reporting to my credit bureaus on the XXXX of each month, purposely damaging my credit. I demanded that info be sent within a 14 day period from date of that email because of that reason. I received a response from a XXXX on XX/XX/22, which also ended on XX/XX/22. He was of no help. Told me to call them and I refused because again, each time Ive called, they gather all my information, give me no information and just ask for payment. Im tired of this.

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 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I received a bill from a debt collection agency, Gulf Coast Collection Bureau, XXXX Fl. after looking it upon the net it seemed legit. I called the actual provider of the service ( XXXX XXXX ) and found I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, I was enrolled as a full-time student this Spring and will be again this Summer. I will be a college student for a couple more years before I complete my degree and reenter the workforce. 

I took private loans out for a different school some years ago. Once I was done there, I entered a six month " grace period, '' after which I began regular and consistent payment of those loans. Those loans were with XXXX XXXX, who apparently sold them to FirstMark Services. 

I began my studies at XXXX XXXX in XX/XX/XXXX. Since I have been in school at XXXX XXXX, I have again been in loan deferment. Now, though, literally the day after the Spring XXXX term has officially ended, I'm receiving phone calls and emails from FirstMark insisting that I resume repayment. I first received a call of this nature on Friday, XXXX XX/XX/XXXX, and my father was able to call FirstMark and confirm this information on Monday, XXXX XX/XX/XXXX. 

Apparently because the Spring term has ended and I am not actively in classes, though still enrolled, they are at liberty to harass me until classes resume this Summer when deferment resumes. The gap between the Spring and Summer semesters lasts from XXXX XXXX to XXXX XXXX, less than a month. I asked about a grace period between terms, but was told that doesn't apply since only one grace period is allowed, apparently, and I used it when I left school the first time some years ago. And, since these loans are apparently due NOW, I risk going into some kind of default or other credit-damaging state if I do not resume repayment NOW. I am a full-time student and do not currently have funds to repay loans. 

Is this accurate? Are they really free to threaten and harass students between semesters because they're not " technically '' in school? Even if those students absolutely are still enrolled students and are just waiting on the next semester? I am now not certain that I will be able to take internship or other over-the-Summer opportunities if this is the case, if the moment I am " on break '' I begin to receive distressing calls such as this. I also do not know why I did not receive this same treatment last year when I was in school, if this is truly the case. 

Please don't hesitate to contact me if more information is required to fully answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CFPB, I'm not sure what I wrote in my original complaint XXXX that rather than investigating my concern, you determined " some of the information provided suggests someone other than you submitted the complaint without identifying themselves ''. How did you draw that conclusion? Because of your actions, this unverified account shows on my credit report INACCURATELY, and I'm being denied credit! I'M NOT XXXX. I CAN WRITE OR XXXX  A SAMPLE LETTER for my own personal use. If you'd concerned yourself with the documents, you would have seen where the equipment was returned to XXXX XXXX XXXX and I submitted a receipt as proof. That said, Credence Resource Management, your company continues to report a debt that is not owed. If this is not permanently and immediately removed from my account, my next letter is to my state AGs office and a consumer attorney regarding BOTH of your actions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Would like a remove of late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
One of Bridge Lending Solutions representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XX/XX/2022 at XXXX XXXX  XXXX, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

Prior to this, on XX/XX/2022 I sent a Revocation of Authority to Contact Third Parties and asked that Bridge Lending Solutions stop contacting me while I research tribal loan enforceability in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MD

Complaint narrative:
XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

US SM BUS ADMIN ODA made an unauthorized inquiry

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 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: U.S. BANCORP
State: NC

Complaint narrative:
Multiple federally protected consumer rights are being violated. Please see attached documents

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