vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Received a Target my red card with {$300.00} limit. I called them with the card number and the target rep asked me some questions regarding some things. He said that it was a different email than mine. Used the same address and a disconnected phone number of mine. He is sending me a letter from Target about the card. It is not been opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: KP ASSET CONSULTING LLC
State: IA

Complaint narrative:
XXXX/XXXX/22 and XX/XX/22 This company and their collection group K P asset have been calling family members

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am the daughter and the court appointed Personal Representative Estate of my mother. My mother died on XX/XX/2020. On her date of death, XX/XX/2020, she had in her Credit Union checking account {$510.00}. 

On XX/XX/2020, my mothers husband/spouse notified the credit union of her death. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account, for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, the XX/XX/2020 {$340.00} deposit was ( returned/Reclaims ) Paid To the XXXX XXXX XXXX 

After my mother 's death three separate amounts of {$340.00} were deposited into my mothers Credit Union non-joint checking account. My mothers husband notified the credit union on XX/XX/2020 of my mother 's death. The credit union did not put a hold on the first two deposits. Another deposit of {$340.00} was deposited on XX/XX/2020 and was returned on XX/XX/2020. The pension company tried to retrieve the first two deposits but the credit union did not return or release the funds to the pension company. 

I was under the assumption that the credit union froze those funds to pay an outstanding loan, but the funds were not froze and my mothers husband used the funds. The credit union said I have to get my mothers husband to return the funds to the pension company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I complained to you XX/XX/XXXX complaint ID XXXX, and now back to you complaining AGAIN for same issues XX/XX/XXXX. 
Merchant presented for payment on XX/XX/XXXX, ONE ( 1 ) day earlier than agreed to XX/XX/XXXX creating overdrafts fees totaling {$72.00} to my checking account and putting my checking account in jeopardy with these overdrafts. I didnt have ANY overdrafts till I subscribed to metabank/money lion. This is SECOND time to occur and its personal to derail my checking account to get DIRECT DEPOSITS FROM SSA. 
I even told them how to FIXED problem and here were are. Contacting MoneyLion is a joke and needs to be address. MoneyLion should not be allowed to do business with these deceptive practices. 
Monthly Subscription fees for line of credit/RESERVE account PLUS another fee. for loan. When requesting XXXX, asks for a tip too. I cant pay my bills on Time with this XXXX happening XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Because of the civid 19 pandemic my family was put in a hardship Because of our government mandated rules that has to deal with us working and being able to provide adequate support for our family... I have disputed 2 companies in XXXX  about 30 day late payments on both of my credit cards with them being capitol one and XXXX XXXX XXXX XXXX and they both denied me... I feel this is against everything we stand for a a people. My family should have the same rights to have stuff removed during a pandemic as everyone else. Pls help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I'm in the process of cleaning my credit report and noticed debts I was not aware of and may violate HIPAA laws. 

I have health insurance and now I have charges against me regarding a XXXX XXXX 

I've sent multiple disputes that were denied and I've never received bills prior to the attack against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank has improperly reported the same home equity line of credit TWICE at the XXXX credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I sent this to American Education Services, after repeatedly requesting help because I was unemployed, and it started at the beginning of the pandemic. I have requested Income-Based Repayment ( IBR ), and was told they are not available, which has placed me in default. I have received a document from AES stating ( Urgent : Your Loan Is Due In Full ). I am presently living on SSA retirement so I have a limited income while I arrange to have my XXXX XXXX. I sent it after reading that the CFPB had sanctioned XXXX for deceptive statements, part of that article recommended requesting a refund of the payments made. I have done this with the email below, but I still have not gotten a response from them. 

The email with AES : I am writing this to help clarify our situation. At present, I am in default for the student loans you hold with me. Please understand that I have appreciated your work with me while I have been repaying these loans when I needed assistance because I could not afford the payments. 
Since XXXX of XXXX, I have asked for and received help from you since I lost my job. Once the extension and forbearances ran out, I had to make my payment to you, and I have as best I could during this time. 
I have investigated bankruptcy and found that Student loans are protected unless they are causing Undue Hardship, so I send a partial payment each month. 
My confusion comes from this. Private and Federal Student Loans are protected from bankruptcy by law. If they are protected under the same laws, then they should also have to adhere to the Covid-19 policies that have been set to help in this crisis. If these loans are protected from bankruptcy as the Federal Student Loans are. These student loans have been suspended since XX/XX/2020. The U.S. Department of Education ( FSA ) encourages borrowers to request refunds through their loan servicer as soon as possible. 
My Questions : 1. If these loans are protected from Bankruptcy as the FSA loan are, why dont they have to follow all the laws and policies ( even the Covid-19 Policies ). 
2. If these loans are protected from Bankruptcy as the FSA loan are, why have I had to make all the payments since XXXXXXXX XXXX XXXX, since on XX/XX/2020, all payments have been suspended for Student Loans? 
3. If these loans are protected from Bankruptcy as the FSA loan are, why do I have negative reporting on my credit report since these loans have had the payments suspended? 
Any Help answering these questions would be appreciated. 

My Request : Per the advice of the U.S. Department of Educations Office of Federal Student Aid ( FSA ). I am requesting a refund of all my Payments since XX/XX/2020 ; I can provide an exact amount if you need it. 

Your help is appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2020, I contacted XXXX XXXX XXXX to let them know that they erroneously reported a late payment on a loan held by my son, XXXX XXXX, on my report. Not only was the payment on time, but an additional principal payment had been made that month. The late payment was only reported to my equifax report, causing an 80 point difference on my equifax report from the other two agencies. I spoke with various employees such as XXXX XXXX and XXXX XXXX. XXXX XXXX told me that he would get the correction taken care of but has never answered another call or email again. After two years of waiting and a letter from my lawyer, a correction still has not been made. This is now causing me to get higher rates quoted on other loans that I have applied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has improperly reported the same home equity line of credit TWICE at the Experian credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.

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 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX / {$4100.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX / {$3900.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/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 2022-04-04 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: LEXISNEXIS
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: ID

Complaint narrative:
this company failed to provide service because of lack of manpower during the coved pandemic, I called the local representative a bunch of times. One excuse after another, so I canceled my service. The local contact tried to talk me out of canceling but I had paid for service not delivered. I thought I should receive a refund, but to no avail. They brought out a second receptacle, which I did not order. Called back and canceled again, so they said set the receptacles out in the barrow ditch. By this time I had signed with a different provider for the service. I kept receiving bills, I continued to call the local number which wasn't being answered with any regularity. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Idaho. 
XXXX. I had canceled XX/XX/XXXX and was in good standing at that time. The bills kept coming as though I was still a customer. I had balanced my account with a local representative over the phone and she had agreed I was current.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a text and email alert that someone made a purchase ( Order # XXXX ) on my Macy 's credit card in the amount of {XXXX} on XX/XX/2022. The shipping address was addressed to : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX VA XXXX. 

I already resolved this issue with Macy 's and they are sending me a new Credit Card. 

Thank you. 
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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
On XXXX, I contacted XXXX via online chat to resolve the inaccuracy of the final bill for service. I switched carriers in XXXX 2020 and have been overcharged ( double to be exact ) for the final XXXX bill. I have included a copy of the online chat showing the representative saying I was not charged a late fee and later in the chat he tells me I am being charged a late fee. I am not denying the debt however being charged an additional month/late fee seems to be unethical from XXXXXXXX. As a consumer, I don't understand how this company can overcharge their customers! XXXX keeps sending the debt to different collection agencies instead of correcting the bill by showing the CORRECT amount due. I can not freely give away hard earned money to a company who is purposely overcharging customers and will not be honest about charges incurred. The chat is attached for your review. Once again, XXXX has sent the debt to collections ( Source Receivable ) instead of correcting the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2018

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