vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I've been paying Sallie Mae/Navient for private student loans since XXXX. I am the co-signor to my sons loans and have authorization on the accounts w/Navient. We have constantly struggled to make the payments with some having as much as 17 % interest rate, constantly having to go into a rate reduction program that only added the debt to the back of the loan, with penalties and interest. We ask for consolidation or permanent rate reduction, IDR and we were told we did not qualify for any assistance. Navient has never tried to help us be successful in managing our loans. Each year of paying {$12000.00}. or more in payments my total balance continued to increase year after year. The burden to make the payments has become impossible for us and I notified Navient out of desperation I was going to request a hardship and withdraw my 401K retirement in order to pay off my son 's student loans. At that time XXXX of XX/XX/XXXX I owed approx. XXXX. I have requested and received my retirement funds, ( XX/XX/XXXX ) I immediately contacted Navient and my balance now 2-months later is approx. {$100000.00}, due to past due and late fees over {$300000.00}. I explained I had gotten all the money I had and ask them to accept the {$100000.00}. They said they could approve a settlement amount of {$100000.00}, which I was very thankful for until they told me my son and I would have to complete a credit disclosure and that it would be reported on both our credit reports that we settled for less than the amount due and that it could affect our credit for the next 7-years. I told them I felt a settlement was an agreed amount amongst all parties and should show paid in full and nothing else. I've paid them so much more over the years and now when I'm trying to pay them with all the money I have for retirement these people still want to punish and hurt our credit. Defaults are at an all time high, banks are going broke everyday our country is in the worst shape it has been in 50 years and this is a good example of why it is. I'm offering to pay more than what they offered to settle, and they still want to hurt our credit. I would have been just as well to have filed bankruptcy if this is the case. I know they have authority to settle without doing damage. This is just another example of how Navient treats their customers and how difficult they want to make it for you to get out of debt. This is just wrong and people with private student loans don't have anyone in their corner to help. If I can tell consumers anything about student loans I would tell them to never take out private loans and never borrow from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from Capital One that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased a CD from Citibank with a stated maturity in April. I was sent a correspondence ( happened to find it on my online account, but no other indication anywhere that it was sent ) that said that it would automatically roll into a new CD of the same term unless I called them to have it actually mature when they said it would mature. The online agent indicated that this would now be the case. Perhaps this complaint is resolved ( in that I should get repaid at maturity ). However, it is beyond belief that this is structured like a free magazine or internet service subscription, where they automatically force an extension unless I go through a 20-minute phone call to terminate the merry-go-round! If I had intended to invest for more than three months, I could have done so. If I had wanted to invest for three months but roll into successive three-month investments, they should have offered an opt-in, rather than putting the onus on the consumer to have to opt out. If I had intended to give Citibank permanent capital, I could have simply bought their stock. That they structure a financial product like this is unconscionable. Had I not noticed the message and made the call, I might not have had funds available to pay my taxes next month. This is really cheesy behavior.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022 - XXXX, I CALLED THE BANK MULTIPLE TIMES TO LET THEM KNOW THAT I WAS UN-AWARE OF THE FRAUD ACTIVITY ON MY ACCOUNT AND ALL THE DID WAS TRANSFER AROUND AND AROUND INSTEAD OF HELPING ME RESOLVE THIS ISSUE.

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 2023-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 
The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2023-03-20 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation.

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX 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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
At one point i had thousands of dollars in my account. They froze my account while i was away from home and i had used XXXX to get there. I was then stranded amd forced to walk 7 miles home. Later then it seemed i was getting charged a bunch of fees despite using my account the required number of times to avoid the fees. I then attempted to close the account and they refused. Since i could not close my account, they comtinued to charge me overdraft fees once my money was no longer in the account. I then tried to open a new bank account with another bank. Because they had overcharged my account roughly XXXX dollars in fees, I was forced to give them XXXX dollars in order to finally close the account in order to open a new account with a new bank.

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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
The original creditor is a real estate agency called XXXX XXXX XXXX XXXX of an apartment I rented, where prior to move in I paid a security deposit via money order, the protocol was that in order to receive keys on move in date I had to bring a deposit, so I did. Upon move out, the company stated I didn't provide a long enough notice and also stated that I did not pay a deposit when I moved in so therefore the balance owed was for a one month rent plus several hundred for any damages and cleaning that accrued while I occupied the apartment. Which is absolutely false, I paid a deposit upon move in. Later, I found out from other neighbors that the previous manager fraudulently cashed the deposits and did not apply the money to accounts, as far as giving the notice to apartment according to State Law if the apartment remains unrented they are supposed to charge me the amount of days that it remains unoccupied, while I tried to resolve and paid for the amount of days it was unoccupied the balance still grew at an awfully high interest rate of 12 % with now a collections company, which also made zero attempts to inform me of the debt and the interest rate they go for. In conclusion, the original debtor received a payment of {$400.00} which I believed was what I owed for not providing enough of an advance notice prior to move out, which could also be argued since the apartment manager was never on duty, she later go fired.

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 2023-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
there are 3 inaccurate inquiries on my consumer report see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
Frontline Asset Strategies placed a collection account on my credit report for a phone bill from XXXX for {$50.00}. 

I contacted XXXX about this account and they confirmed that this was not a debt I owe. I emailed Frontine Asset Strategies this evidence and requested that the inquiry be removed from all of my credit reports. The representative said it was. 

I applied for new credit and was denied for it due to this inaccuracy showing on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I sent money in the amount of {$370.00} to someone who promised to be selling an item to me that I purchased through XXXX XXXX. I found this person ( known as XXXX on the platform ) on the online XXXX, XXXX. As asked by them on the listing, to supposedly avoid the " 20 % fee '' that XXXX takes from sellers, I contacted them via XXXX, asking if the item was available. After talking shortly over text, I sent the money to a " payment phone '' that he had, confirming I had done so with him. After waiting until the next day for a response, I messaged him about the order, but got no response. I contacted my bank ( Bank of America ) to get help regarding the transaction, and was prompted to wait until Tuesday, XX/XX/XXXX, to dispute the transaction. Shortly after disputing the transaction, it was resolved, ending in the claim not being paid. I have also contacted the Federal Trade Commission, XXXX ( in regards to reporting the transaction ), XXXX  ( for reporting the user and his post ), and local law enforcement ( for filing a police report on the incident ).

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 2023-03-20 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation