vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
I am trying to access my loan information via their website, XXXX XXXX XXXX The XXXX  part of their website is broken and not letting me get in to obtain my loan information for tax purposes. Their " customer service '' is off, so I don't know where to turn. It seems like these loan companies can just do whatever they want without any repercussions. I just want access to this loan so I can do my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: MN

Complaint narrative:
Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX   and 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 2020-02-16 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my XXXX Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear  Card Max Balance from {$15000.00} to {$6500.00} and closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by Amex on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We are currently on a graduated repayment plan. We have to pay XXXX per month. I have 2 loans through Navient. In XX/XX/2019, we used our household tax refund to attempt to pay off the lower of the two loans. We paid online using the option provided to pay more, allocating the extra to the lower loan. Between XX/XX/XXXX to XX/XX/2019 we paid {$2400.00} on the accounts, allocating the extra to the lower loan. Meaning the extra {$2200.00} should have been enough to pay off the lower loan. Instead of Navient putting the extra to the lower loan, as I had specified, instead Navient applied it proportionally between both loans. Now instead of having my lower loan paid off, I still owe on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to Capital One Bank on numerous occasions regards to the inaccurate late reporting for the entirely XXXX  year on a closed account I pervious had open with Capital One This account was not late in XXXX ; on XX/XX/XXXX account was paid in full and closed by Capital in XX/XX/XXXX. XXXX shows Capital one account late for the entire XXXX  year ; this is inaccurate information. XXXX shows Capital One account closed XX/XX/XXXX, and XXXX shows account last payment XX/XX/XXXX ; Capital One refuses to report correct information on my credit report. Instead Capital One email letters stating account appears to be at a XXXX  balance as of XX/XX/XXXX, and the account was closed and has been since XX/XX/XXXX. See attchments I have spoken with XXXX ID XXXX ; I talked to supervisor XXXX ID   XXXX ; he provided it a case # XXXX. I talked to XXXX ID XXXX, and my credit report has no been corrected it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
Experian refuses to correct/remove erroneous information on my credit report. I have tried numerous times to dispute this to no avail. They are in violation of the FCRA.

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 2020-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/20 I've received notification from Nationwide Credit Inc in  regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

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 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank not only used my information to open/close 14 stray accounts under my social security number and/or credit number known by the 3 credit reporting bureaus, making it a part of Wells Fargo 's multi-million dollar Cross-Selling scandal. They closed a charge ( s ) unauthorized, activities account and left me with fees steadily accruing after alleged closure and inactivity date ( s ). My credit is fine, have a few derogatory items to worry about  from prior to, two years account activities, for respected account ( s ). The only reason they could find for denial and an adverse action  is, " Previous Wells Fargo checking or saving accounts not maintained as agreed. '' Granted by, otherwise denied, paid/repaid, authorized Wells Fargo overdrafts. This has been the denial since my first credit/bank account opening attempts in XXXX. I feel that this is illegal and discriminatory in action, like Wells Fargo not granting account immigrants accounts because of discriminatory reasons. It might be due to their discriminatory actions against XXXX or XXXX borrowers, such as the lawsuit discussed in XXXX XXXX Wells Fargo 's scandals in the past reporting 20 years. In XXXX. XXXX they flunked community lending. They will not overturn/overlook this decisive action. All I need them to realize, is that I can and am financially capable of handling, any/all, of my credit accounts show pos. payment history for last two years on all accounts and XXXX balance on closed accounts. Please remedy this situation with extreme hastiness as Wells Fargo needs to just quit discriminating and taking advantage of people, approve of my application and let go of derogatory information about me, on an internal level unless it's going to be public to me? But how when there's no records of previous account activity for any of my Well Fargo Bank Accounts ' previously and possibly fraudulently  opened without my knowledge.

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 2020-02-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent EXPERIAN and XXXX  5 letters disputing an charge off in the amount off {$3300.00} from XXXX  XXXX. Experian and XXXX  did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information on my credit report.

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have placed credit freeze with Equifax soon after the data leak. Now I can't not get the freeze lifted temporarily. I registered user account in Equifax website as suggested on XX/XX/2020, but every time when I click on " Manage Freeze '', it shows error page. Last time I tried is XX/XX/2020. I called the company 's support phone line many times during the period from XX/XX/2020 to XX/XX/2020, but could pass its automated screening. The phone call always ended with that it can't help me and I should mail the company the document, but it failed to mention what documents and where to sent to, let alone why. Now I am stuck with Eqifax not providing credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services
State: NY

Complaint narrative:
Ive enrolled in United Credit Education Services for credit repair in XX/XX/2019, they have charged my account every month to provide credit repair .I have yet to see any changes and I am dissatisfied with what services they provided. They mislead me and are continuing to charge my account for unrelieved services. I no longer want to continue with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Customer Service Failed to display phone number calling from and called multiple times over multiple days but never left a voice message when asked regarding who is calling leaving consumer not knowing who called. 
Agency tied to collect payment from a bank account which it knew was already closed and then penalized consumer.

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 2020-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law.

Bank of America is knowingly reporting false information to XXXX. This inquiry is NOT MINE, nor was it authorized by me, and Bank of America has failed to verify it. 

Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted Bank of America and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : Bank of America Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed 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 2020-02-16 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:
XXXX  continues to report negative fraudulent information on my credit report that does not belong to me, Transunion as well. I have submitted numerous complaints to no avail. They are in violation of the FCRA.

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 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
I am emailing in regards to cash app changing my account and routing details without informing me. I had my tax refund linked to my XXXX XXXX XXXX account. The other day it just automatically changed to XXXX XXXX XXXX account. How am i suppose to get my tax refund? I've moved out of the state in which i filed, that is why i had it sent DD instead of a paper check. Now because of this change without my consent or giving me a heads up, my tax refund won't get to me until god knows when. Also my last DD for my job has to be mailed also because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America on XX/XX/14 answered my complaint and I want to make a petition and denounce the bank of america since my fraud was for XXXX $ and they only gave me a credit for XXXX $ claiming they are out of time, which is something messy lince the cfpb gives them 60 days for a final answer and they have made a bad decision messy and premeditated alevosia, since they only recognized me few transactions of low amounts ignoring the higher transactions so as not to recover my stolen money and the CFPB does not fine and this is a crime for consumers, request the attention of cfpb with this bank that is doing us harm to the Americans by not respecting the American standards I demand that the total lost and stolen from my account of these unauthorized payments be recovered and that this bank authorized by not blocking my card for the unusual use registered I ask the cfpb to help me in this claim and make a complaint to this bank for its irresponsibility when wanting to forward my claim to XXXX since the fraud transactions of these unauthorized payments were in this way and that XXXX reimburses me the total missing in this way the bank of america being the issuing bank of the card involved in this claim has the obligation to respond to any fraud with this card since they are the ones that take control of our money and the payments with our cards being the payments authorized by the holder for an amount of XXXX $ subtracted amount without my authorization of these unauthorized payments in my account XXXX, claim numberXXXX  Bank of America

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 2020-02-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX  XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-16 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: VA

Complaint narrative:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my Equifax Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - XXXX XXXX XXXX XXXX XXXX. 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX XXXX Balance from {$15000.00} to {$6500.00} and closing my XXXX XXXX Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached Equifax credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by XXXX on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The LVNVfunding LLC.. Took me to court without properly notifying me.. All they seek to garnishes my state taxes.. which is illegal ... This is not a federally funded company or A State government organization.. They illegally but not limited too.. harrassment and threats of blocking my social security number.. the debit is not a federal debt for school or child support etc.. Its almost 4yrs old..

Company response to consumer: Closed with explanation