vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: Utah System of Higher Education
State: ME

Complaint narrative:
UHEAA, despite servicing student loans originating from the XXXX   XXXX  program, is not adhering to the CARES Act, which calls for the suspension of student loan payments & accruing interest from XXXX - XXXX 2020. 

UHEAA 's about us information ( see here : XXXX XXXX XXXX ) confirms they are servicing direct loans : " Through its XXXX XXXX Loan Services  program UHEAA administers student loans originated under the U.S. Department of Educations XXXX XXXX XXXX Direct Loan Program and XXXX XXXX   Education Loan Program. XXXX However, their COVID FAQs ( see here : XXXX XXXX XXXX  ) state that all their loans are FFEL, which, according to their OWN About Us section is not accurate : " On XX/XX/XXXX, the President announced that I can suspend payments on my loans. Do my loans qualify for this suspension of payments? 

According to the Department of Education, this benefit is only extended to federally held loans. Loans serviced by UHEAA are held under the XXXX XXXX Education Loan ( XXXX  ) Program and do not currently qualify for the National Emergency Forbearance. '' I can provide documentation & screenshots showing that my loan is NOT XXXX & is, in fact, a direct Stafford loan and should fall under the jurisdiction of the CARES Act. I have attached a file that documents this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase recently closed a credit card account without asking or notifying me. When I called to inquire why, they said it was due to " bank policy ''. The account was current and in good standing, as are all of my other accounts with them. The representative I spoke with could not reinstate the account or provide any explanation for why it was closed. 

Based on a career spent XXXX XXXX XXXX  XXXX XXXX, I know these types of things can happen by design or by accident. When policy is referenced, I assume the process is working as designed. 

I'm confident they can do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I filed a complaint on XXXX  and Capital One. My card was closed for no reason. When I called and spoke with XXXX  (  XXXX )  He advised that on my prior complaint to them that I reported it wasn't my account. I never said that, what was said was that my account needed updated to {$24.00} and I needed removed from an authroized user on account ending in XXXX. Capital One said to submit the fraud paperwork and I did that, but haven't spoken with someone since. When I called Capital One and spoke with XXXX she advised that XXXX  would need to open my account back up. I have all complaints/documents for all of this mess. It's ridicoulous that I have call and write so many times. XXXX  couldn't have closed my account with Capital One and it was never reported to any one that it was a fraud account. Capital One couldn't provide what credit bureau reported it as fraud. 

This is what I reported- I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
PenFed credit union, which has a history of being defrauded ( most likely due to inept Know Your Customer enforcement ) has sent me letters that my account is overdrawn. I have never opened an account with PenFed. I have contacted PenFed  repeatedly, and they are refusing to investigate the issue until I file a police report. 

To be clear, I have never signed a contract or opened an account with PenFed, thus I do not have a fiduciary duty to them in any capacity whatsoever. They are demanding that I file a police report prior to their opening an investigation. As I do not have any relationship with them whatsoever, I am not in any way compelled to honor their request. 

The account that they are claiming is associated with my name was opened in XX/XX/2020, thus it is less than 60 days old. During that time, one or more checks was deposited into the account, and subsequently returned by the issuing institution as fraudulent. During that time, PenFed allowed the account to be overdrawn by {$5400.00}. That is grotesquely negligent. 

Due to the XXXX  breach last year, the names, addresses, and social security numbers for virtually every American are available online. If PenFed is allowing people to open accounts with that information alone, they are not simply negligent, they should be both civilly and criminally liable. I have requested PenFed provide me with the signature and photo identification that was provided when the account was opened, and they have refused. 

PenFed was defrauded last year for a XXXX dollars in the exact same fashion. 

XXXX XXXX XXXXXXXX  Apparently they have learned nothing, and have taken zero steps to enhance their Know Your Customer compliance. If every bank and credit union in the country were as lax as PenFed, I and every other American would waste hundreds or thousands of hours a year filing useless police reports. It is PenFed 's DUTY to investigate when they have been defrauded. It is not my responsibility to take any action prior to their investigation. This is especially true as the account in question was opened fewer than 60 days ago. 

I have contacted the Chairman of PenFed via this webpage, XXXX XXXX XXXX  I have also contacted their CEO XXXX XXXX via  XXXX  XXXX 

As of XX/XX/2020 I have not received a response.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was notified about an account that is closed. I submitted a dispute request and was advised 24 hours later that the account had been investigated and the account was verified. This account has been closed since XX/XX/2019 and there is no way that a closed account was verified as still active and open. There are 2 self lender accounts. The current one was opened on XX/XX/2019 and is the current one. The one that is in dispute was opened in XX/XX/2019 and closed on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My issue is different and wasn't listed as an option. I've been trying for days to register my MD unemployment card on the BOA website ( already have the app ) so that I can arrange bank transfers due to the limited withdraw amounts with BOA ATMS and the limit I can deposit in my personal account via ATM. I kept receiving errors about incorrect security info. I KNOW I was entering the correct last 4 of SSN and card info right in front of me.I finally had some success with getting the account registered ( online ) today, XX/XX/20. When I tried to add my bank account info to setup the transfer, it told me the account number was invalid.?? Not that it was, but how would BOA know about my other account? I thought maybe it determined it was another prepaid account by the routing number and that wasn't allowed. So, I tried another checking account from a major bank and the same thing. As this is happening, I noticed that in the app, it says the card is unavailable and to contact BOA for details, but still shows my balance. Calling the automated line says my card is closed and to press 0 to speak with someone and every single time, it says they're unable to answer my call and hangs up. So, in this very inconvenient time we're all living in and many of us are already relying on very limited income from UE benefits and BOA is making it quite impossible to do what should be, the easiest and most stress-free of tasks regarding accessing our money. On top of that, we can't speak to someone at BOA for assistance in resolving THEIR issue. I don't mind waiting on hold for a while due to the influx of call volume, but hanging up immediately on everyone without the option to wait, is just plain WRONG!

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 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
Checking account would not let Harley Davidson Financial cash checks. I just recently was able to schedule payments using Visa. I have been called by them and by some pretending to be an investigator XXXX  XXXX  XXXX  at XXXX. Shortly after that call a random number calls at XXXX and another at XXXX, demanding I talk with them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: U.S. BANCORP
State: TX

Complaint narrative:
I disputed the ELAN Financial Services XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2020-04-24 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: TX

Complaint narrative:
ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} XXXX in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, XXXX, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I found out toady through XXXX XXXX, that i have a collections with midwest recovery systems for a loan they said i took at a XXXX XXXX XXXX i never took such loan in the amount of XXXX they told me the loan is from XX/XX/XXXX taking in florida i was living in massachusetts in XXXX i moved to florida XX/XX/XXXX now midwest recovery systems sent it to XXXX and XXXX stating its in collections i never took such loan out with This XXXX XXXX XXXX dont even know who they are or where they are located please help me its ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XXXX XXXX I inquired through Discover Student Loans secure messaging center whether Discover would be offering any lower interest rates or special accommodations due to the COVID 19 pandemic? 
I did receive a email response but was not able to call the customer service department until XX/XX/2020. ( The delay in my response was in direct correlation to caring for an ill family member, whose health failed and resulted in her death. ) When i asked if I could enroll in the offer of zero percent for the next 2 months I was told the offer expired! Also Discover did not offer this accommodation, you could only get the information if you reached out to them, offering no transparency. Even if you could afford to pay something on the loan during the offer, it was not permitted ; therefore there was no way to take advantage of the zero percent offer by making any payment. Discover offered to defer payments but interest would keep accruing at the same rate of the current loans. 
It seems Discover is doing nothing to support the student or the parent as a co-signer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: NY

Complaint narrative:
as previously stated, I am a victim of identity theft, there are fraudulent account on my personal 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 explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have repeatedly attempted to dispute items with Equifax that do not belong to me : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX Equifax often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} million in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, disability, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.

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 2020-04-24 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: TX

Complaint narrative:
ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} million in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, disability, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.

Company response to consumer: Closed with explanation