vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, Beginning back in 2009 I received student and parent plus loans for my XXXX children to attend college. I was told the loans could be consolidated into one low monthly payment eventually and was encouraged to take out more money each year to cover cost of tuition and housing. The loans were then consolidated into one loan with a servicer called Navient. The total amount due at the time was about {$60000.00} dollars. I was told the payment was going to be well over {$600.00} dollars a month. I explained that was not something I could afford with all of my other monthly bills and asked if I could pay half that amount each month. I was told that if I paid less than the monthly amount that they set Up of {$600.00} I would go into default and they could have my wages garnished. I had no choice to defer my loans and then they charged me each year {$4000.00} for deferment cost. I would call back often to try to come up with a reasonable payment and get myself on top of this with no avail. When my loans finally got transferred to the department of education I hired an independent company to get me a reasonable payment and sign me up for the PSFL program that was available. I began making reasonable payments and then Covid hit and I was unable to pay but the loans were not due at this time. I feel Navient was unreasonable and defrauded me and now my loan has grown to over {$130000.00}. I have been a public service worker for over 25 years and if I had been able to pay the reasonable monthly payments all of my loan would have been paid off by now. I am asking that Navient clear all of the remaining balance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am a low income minority customer. I went to XXXX XXXX XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX  XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with Santander Bank XXXX Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out Santander is in on the whole scheme. Santander 's business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. Santander is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and Santander are engaging in abusive harmful practices. The CFPB must act and shut Santander down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I request a credit report from a different bureau every 4 months. I was unable to receive one from Equifax. On XX/XX/2021 I sent a letter to XXXX XXXX at the address listed on your " contact us '' web page explaining this issue. This letter was returned as undeliverable. The Post Office confirmed to me in person that this address does not exist. Please view attached documents for detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: FL

Complaint narrative:
There was no sub category for this issue so this is probably in the wrong category. My Transunion credit score dropped 90 points in one day ( yesterday ). All of my open accounts are in good standing. My credit usage was reduced. All my open accounts are paid on time. My collections balance was reduced and yet this cause my credit score to drop by 90 points? I want Transunion to logically explain to me how my credit score can drop by 90 points when there is no new derogatory information that has been added. All my open accounts have been paid on time. My credit usage has reduced from last month. I have no new open accounts. I have no new credit inquiries. How is it possible that my credit score dropped by 90 points when my credit usage has been reduced from last month, my open accounts are all paid on time and in good standing, my collections balance has been reduced from last months balance. I have had nothing but positive things on my credit report and yet my credit score drops by 90 points. Not likely.

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Received an alert from my credit monitoring services that I had a new account in collections. No information provided about the account.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2021 about {$5000.00} was stolen from me from my bank account with Bank of America claim # XXXX I noticed over 25 unauthorized transactions in different amounts on XX/XX/2021 I contacted the bank and the stated that they will do an investigation I provided documents showing the fraudulent activity I also got a police report done which I sent to Bank of America to this day I never received my money back they only closed out my old card ending in XXXX and gave me a new card ending in 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 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/21 we were involved in a scam in the amount of {$8900.00} which we transferred from our Bank of America to another Bank of America to pay scammers who claimed that our daughter who lives in XXXX was involved in an auto accident and needed bail money to have her released from jail. I took cash advances from 2 of our Bank of America credit cards to pay scammers. Money was sent to Bank of America account # XXXX, rt # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Later that evening XXXX we finally got in touch with our daughter by text and she was not involved in a accident and was just fine. During these transactions we had talked to what we thought was our daughter and sounded like her. I immediately called Bank of America fraud department and had payment stopped and recorded as a scam and fraud. On XX/XX/XXXX I called the bank and was told that the money had been stopped. I signed and faxed a claim form to Bank of America. I also reported fraud to XXXX Police Department. I phoned the next week several times and was told by various people that the money was on hold until bank heard from accused party. On XXXX XXXX told me case would be solved by XXXX XXXX. On XXXX XXXX I was told it could take 60 - 90 days to solve case. On XXXX XXXX the amount of {$4600.00} appeared in my account and was told this was the settlement amount and account closed. I refiled again as I had been told many times that the full {$8900.00} was on hold. What happened to money? The bank has never had any correspondence with me and was told that paper work showing all info on claim would be mailed to me. I never received this paper work so have no idea what transpired. Thank you 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 monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
On XX/XX/2021 at XXXX, XXXX XXXX , a representative of XXXX County , spoke to my husband about my supposed debt. He served him with papers from Gurstel Law Firm. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Back in XXXX Ordered a TV off XXXX for my wife in the nursery at the time, but it came damaged. XXXX sent replacement TV, and used my XXXX card for hold for advanced replacement. The TV was revived but the charge was not taken off the card. Contact XXXX was told it would be taken off, and told not to worry. I did not use the card after that and they closed it with the amount not refunded. I have contacted XXXX, the creditor repeatedly, disputed and fax MCM the info asked. They are continuing to change the balance and dates on. I have the return receipt from XXXX. The card issuer XXXX Card used has sold the unverified debt to a collection agency named Midland Funding and goes by MCM. MCM has been disputed, contacted and faxed all information on this but continuing to re-age the debt and amount. The balance was {$150.00} and has been turn in to {$460.00} and the date was XXXX has been changed to XXXX with it being open and late payment monthly. This is unverified debt that the original issue does not despite was inaccurate. 

Please I have been trying to rectify this but am being extorted to pay debt I dont owe or have this affect me financially by other means. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a payment today for a particular item. No problem with making payment. But I thought the item was already paid for via cash back rewards. Because i could be mistake, i tried to see if i could find how/when/where did i spend my cash back rewards. But it was futile. So i contacted PayPal, who controls the paypal rewards. However i was referred to XXXX XXXX who controls the PayPal credit card. They referred me back to PayPay for assistance. They were sending me into a loop. I would like to know how/see the transactions on how I spent/applied cash back rewards for purchases. I mean, without being able to see the activity, like any typical bank statement or cc statement, i may actually be paying twice for a particular item. When I go into the section pertaining to the Cash Rewards, it only provides a remaining balance. And there is no log of transactions that show how the rewards have been spent to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
loan is closed on credit report i never received a dollar from the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX closed my accounts and REPORTED ME TO EARLY WARNING WITH FALSE PERSONAL AND FINANCIAL INFORMATION. I complaint to OFFICE OF THE COMPROLLER OF THE CURRENCY ABOUT THIS FRAUDULENT ACTIVITY IN XX/XX/XXXX, and in XX/XX/XXXX, XXXX XXXX answered PARTIALLY, stating that they had the right TO CLOSE ACCOUNTS WITHOUT ANY NOTICE TO THE CONSUMER AND THAT THEY HAD THE RIGHT TO CHANGE ACCOUNTS, SAVINGS TO CHECKING, WITHOUT ANY NOTICE, AS WELL. However, XXXX XXXX DID NOT MENTION ANY FRAUD ACTIVITY NOR ANY REPORTING ME TO THE EARLY WARNING. IT IS IMPORTANT TO MENTION THAT THE PERSON WHO CLOSED MY ACCOUNT AND REPORTED ME AS FRAUDULENT ACCOUNTS TO EARLY WARNING WAS SIGNED BY XXXX XXXX, SENIOR VICE PRESIDENT XXXX TELEPHONE BANKING, EXECUTIVE LOCATED IN OHIO, BUT GRADUATED FROM UNIVERSITY XXXX XXXX. IN ORDER TO MAKE THIS FRAUDULENT REPORT, MR. XXXX ALTERED MOST OF MY INFORMATION, PERSONAL AND FINANCIAL, AND THE CONSEQUENCES OF THIS FRAUDULENT REPORT IS DEVASTATING SINCE XXXX. I disputed these TWO FRAUDULENT REPORTS TO EARLY WARNING SERVICES IN XX/XX/XXXX, and the answered I received via normal mail is THAT XXXX XXXX CONFIRMED THAT ALL THE INFORMATION SENT TO EARLY WARNING IS CORRECT AND ACCURATE WITHOUT ANY PROOF. I REQUEST EARLY WARNING REQUEST XXXX XXXX PROOF OF THE INFORMATION PROVIDED WHERE XXXX XXXX REPORT MY TWO ACCOUNTS AS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX. 

Few months ago when I was unemployed, I registered for EDD unemployment and got paid through bank of America prepaid card from EDD. 

But as of today I've got a job and I am not receiving any benefits anymore. 

I've tried to close my account with bank of America but it seems no one is helping. I've already contacted EDD to close my account and they did. 

I want bank of America to close my card account and prevent further usage as it seems someone is trying to use my information to certify for another EDD benefits. 

EDD reached out to me few weeks ago and asked me if I've applied for another benefits and I said no, and they said I should contact bank of America to block and freeze my card to make sure no one will use it to collect any further benefits on my name. 

So I am reaching out to bank of America using this complaint to shut down and close my EDD debit card account because I've now gotten a job and I do not intend to use it again. So I want to be closed with immediate effect. 

All I need is for bank of America to close my card account and not to open it anymore as I've been a victim of identity theft recently. 

Also Bank of America should tell anyone who contact them pretending to me to go through a thorough verification such as asking to the person to mail a letter to bank of America with a scanned ID card or a selfie holding ID with today 's date on it. 

I am making this complaint because I don't want any other person to use my information to receive benefits. 

Thank you The card number I'm complaining about is 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 2021-10-18 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: CO

Complaint narrative:
Hello, Please look at page 14 of the document I provided. 


I have dispute the XXXX XXXX account on my Experian credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. Experian is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because Experian inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how XXXX XXXX and Experian report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.

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 2021-10-18 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The beginning of XXXX my boyfriend and i got into a fight which resulted into him going to jail. 
We share a wells fargo account and on the XXXX i believe, my car note was trying to get taken out but it went into the negatives because of insufficient funds. Thats when i noticed unauthorized apple pay charges made from our account under HIS debit card. 
First of all, his card is in the possession of the police department because they took everything on him & second, his phones are in their possession as well. 
I later found out that his mother told his ex to go to XXXX XXXX to get his number transferred to new phones. His ex decided to keep the phones instead of giving it to his mother. She logged into his XXXX and transferred money to herself through XXXX XXXX. 
I made several claims with wells fargo and i keep being told i will receive a call but i havent. all they can tell me/ask me is about his card and if i had possession of it and if anybody else knew his pin, and im like it was through apple pay!!!! i dont know any of his passwords NOTHING.. hes in jail! nothing was authorized! i keep explaining to them i have bills to pay, that account i use to pay bills and now i cant because i am waiting for over $ XXXX that was taken..

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
My Credit Card information was stolen which I immediately reported to TDBank. They said they would send a new card out this was on XX/XX/XXXX. After 2 weeks I called back and they said they will send out a card on XXXX XXXX. after 5 business days I called and they still never sent out a card, They now say it was sent out on the XXXX because my address was not validated. I have used this address for the past 7 years and now not validated? I am bringing this attention to Consumers who are considering doing business with TDBanl as well as the Corporation so that they can look into the matter as well. I believe replacing the card immediately is the correct procedure and want to know why I was signaled out and not sent a card?

Company response to consumer: Closed with non-monetary relief