vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX I enrolled into the XXXXXXXX XXXX XXXXXXXX Diploma Program from XXXX XXXX XXXX, which prior to being shut down due to fraud, was based in XXXX, XXXX.I was at this school from XXXX XXXX XX/XX/XXXX. In order to pay for the program, the school had me take out student loans. One was a federal loan ( {$6700.00} ) and the other a private loan through Navient Solutions ( {$27000.00} ). 

Recruiters from XXXX XXXX XXXX misrepresented to me the career outcomes of students who complete their program and provided false information about the career services that they would provide to students once they completed the program. They said that upon completion, students would be able to find well-paying, full-time careers related to the program of study. The recruiters also promised that students would receive robust career support as they looked for a job upon completing the program. This supposed support was said to include help getting connected to employers that the school had a relationship with and being referred to full-time well paying positions. These two reason were pivotal to me deciding to attend the school. Upon completing the program, I sought to receive career help. The only support I received from the school was to get connected with a few temporary part-time gigs. While I took these opportunities, I continued to see if they would be able to connect me with full-time opportunities, as they promised. However, they never provided such opportunities and eventually they told me that there were no employers who were hiring. 

I no longer went to receive their help and began looking for employment opportunities myself. I continued to apply to jobs that were related to my field of study, but soon found out that I did not meet the qualifications for these jobs. Apparently, the education that I received from XXXX XXXX XXXX was insufficient to get a career in the field. This was another false claim made by the school that I discovered soon after completing the program. Unfortunately, I was never able to find a fulltime well-paying position and have been stuck in debt with the loans that I took out in XXXX which has grown to over {$25000.00}. Again, if the recruiters from XXXX XXXX XXXX did not provide me with false promises about my career prospects and the support they would provide to me upon completion of their program, I would have never attended their school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
My mortgage was serviced by XXXX, in XXXX they refused my payment citing the previous months were not paid. I went to my bank got the statements and presented to XXXX, it was not corrected and they returned my subsequent payments and advised end my property was in foreclosure. I called their attorney and presented the documents and was asked to send it again. I made numerous attempts to get this resolved to no solution. My mortgage was transferred to BSI, made several attempts to resolve the issues to no avail. Finally after exhausting attempts it got partially resolved. The reported derogatory reports on my credit report and even though I provided all the necessary proofs. My mortgage is paid off and BSI refused to correct my account and refund my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

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 2021-07-01 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: NY

Complaint narrative:
The information on this report is unauthorized and was not done by me. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a victim of a XXXX  scam. I was told that the power for the bldg I work for they power was going to be cut off due to lack.of payment. That I had to XXXX payment to stop turn off notice. I submitted 2 payments one for {$1300.00} and the other of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I paid my Home Equity line and require a copy of my lien release to be recorded. I need the equity line account to reflect the {$9000.00} payment showing a XXXX dollar balance. Please email XXXX, and/or fax : XXXX any correspondence for this lien release. I have been requesting this on multiple occassions, please expedite as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: TN

Complaint narrative:
I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. You must comply to the law as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I Applied for a credit extension for a vehicle loan and was immediately denied. Then I was sent a letter in the mail as to why which displayed clear contradictions and invalid reasons as to why because I can not be denied as the original creditor in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: FL

Complaint narrative:
OMG I found crazy things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.

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 2021-07-01 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:
XXXX I found XXXX things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
ISSUE WITH HYUNDAI MOTOR FINANCE My banker at XXXXXXXX XXXX XXXX XXXX my lease balance XX/XX/XXXX after I sent an odometer statement on XX/XX/XXXX. I have not received the title. 

I contacted Hyundai Motor Finance in XX/XX/XXXX and numerous other times ( sorry, I had an email glitch that erased old emails I was saving ) before my banker got involved and contacted them numerous times via phone and email. 

They continue to tell me that they have not received my signed odometer statement, though I have emailed it to the address they requested and faxed it to the number they faxed. The latest instance happened today. I emailed them a signed odometer statement to the email address they listed.

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 2021-07-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/2021 I opened a dispute with my Credit Card Company, Barclays XXXX XXXX Mastercard ( XXXX XXXX  ) regarding an Item I had purchased from XXXX XXXX on XX/XX/2021 that had been sent to me in the wrong size and was returned to XXXXXXXX XXXX  using the label they provided for this mistake on the same day of receipt ( XX/XX/XXXX ). XXXXXXXX XXXXXXXX  did not have any of the item left and told me they would issue me a credit once item was received back. 
XXXXXXXX XXXX did not issue a credit and upon calling them several times, I was told they could not find the return package even though tracking clearly showed it was received at their dock many weeks before. 
Barclays took my dispute but NEVER issued me a provisional credit. By mid XXXX, the Merchant did issue me a credit for the item. 
On XX/XX/2021 I received a letter from Barclays ( dated XX/XX/XXXX ) stating that because the Merchant had credited me and that they HAD ALSO ISSUED ME A PROVISIONAL CREDIT, that they were going to reverse their provisional credit and recharge me {$55.00} for the item.

The problem was Barclays NEVER issued me a provisional credit. 
I called upon receipt of this letter and spoke with XXXX in a NON US location. I asked for a US based supervisor and was told NO ONE was US based. There were roosters going off in the background and her English skills were quite poor. However, she confirmed that I was NEVER issued a Provisional Credit and she told me she would put in a " form '' to escalate the reversal of this bogus charge made by Barclays for {$55.00}. 

It is now 10 days later and no reversal has been made. I called again today, got someone named XXXX with even worse XXXX also Non US based, was told again NO ONE is in the US. I demanded a supervisor and was told that in 5 business days I MAY get a call. 

This is unacceptable! Barclays made an unauthorized charge to my card and will not correct 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 2021-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing this due to non-compliance with the XXXX XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
a store card from best buy was closed during covid for no reason given. card had XXXX balance and my credit score was impacted. we weren't given a reason just a phone call after disputing the matter. the person on the phone just said we can do what we want at anytime. they know they can't hurt our credit scores. when signing up we were at the understanding this was threw best buy store not a bank. they violated the fair credit reporting act by ruining someones credit score due to there own actions but not the actions of the myself.

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 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Ally did not verify employment or verify it was actually me getting the loan. Ally requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of XXXX  lending. Ally has not sent me the original indebtedness in its original form.

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 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ATTORNEYS FOR PLAINTIFF XXXX XXXX, XXXX. 
STATE BAR NUMBER : XXXX The above mentioned law firm filed for final judgement XX/XX/2021 during the the mortgage foreclosure moratorium which is still in effect. 

We are currently residing in our property, and dealing with ongoing effects of the COVID-19 pandemic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: OH

Complaint narrative:
XX/XX/2021 Was declined use of my Discover card at a gas station in XXXX, Ohio because I was over my credit limit. 

Pulled up my account online on my mobile phone and all transactions listed and posted do not exceed my credit line. 

Phoned Discover customer service and was on the phone for for a total of 1 hour and 23 minutes trying to resolve the problem.

The problem, they told me was that my account was being held for ( 4 ) transactions to XXXX of {$51.00} on XX/XX/XXXX. I claimed I did not approve those transactions and the transaction I did approve had already posted to my account on XX/XX/XXXX23rd of {$51.00}. I am not able to view these " held '' transactions on my online account and am wondering why I am being held accountable for them????? And now unable to use my card because of them when I clearly have the available credit. 
I insisted that a complaint be filed and after much persistence I had the Discover rep with an ID of XXXX and the complaint memo line # XXXX. 
I attempted to phone Discover again ... this time 36 minutes to see if the situation would end differently with another rep and had the same response. Pending transactions have 10 days to post and their is nothing they can do until a transaction posts. Except, they hold the consumer responsible for it by counting it against their credit limit! 

How can a credit card company hold you responsible for pending credit transactions for up to 10 days and when you are unable to access this information from your online account. Their customer service reps couldn't even see these pending transactions that they were holding against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: SC

Complaint narrative:
I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.

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 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: NV

Complaint narrative:
The XXXX XXXX XXXX location forced me to go with a higher interest rate despite me securing a loan through the bank of my choice at the time purchase on XX/XX/21. I had initially authorized them to look for other interest rates but nothing was better than the one offered by my bank and I expressed my intention to use my bank. 

When I returned the day after to give the title for my trade in, I even confirmed with them that I would be bringing the check from my personal bank upon receipt. 

When I got the check, I attempted to bring it to the office at the same time that I picked up my green slip and the person present refused to take it. They repeatedly evaded me paying them with the check from my preferred bank and said nothing of the other loan. They simply claimed that finance wasnt available or that I would be contacted to finish payment. I did find out until I got the bill for the loan that they secured in the mail today. 

I contacted bank that they used ( US BANK ) and they informed us that the loan ( which has an interest rate FIVE TIMES higher than the loan from my bank ) could be canceled BY THE DEALERSHIP. They will not allow us to cancel it and the dealership refuses our payment because the loan is intact. 

The dealership refuses to take the steps to properly handle this debacle that theyve created and I will be forced to refinance with my bank and to eat the interest charges for the month that I wasnt even aware of this loanss existence.

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