vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX of XXXX I was contacted by Pioneer Credit Recovery stating that held a student loan in my name but it was in default. They stated that they were handling my account that previously been held by the US department of Education and that the remaining balance was close to {$15000.00}. Within 30 days, without prior notification, nor an opportunity to dispute began garnishing my wages. First and foremost, the biggest issue that I had then and even more now is th reviewing my data report recently at XXXX The Work Numbers website I was able to see that the organization that requested information about my employment information was Sallie Mae, in XXXX of XXXX. I have never had a student loan with Salie Mae or any one else!! I completed my education and received my diploma from XXXX XXXX University in XXXX. Upon requesting documents to support their claim I was sent multiple copies of the same bogus forged and falsified documents that I have never heard of nor seen prior to that day! After requesting any other documentation to support the debt owed, In a nutshell they do not!! Also, I Sallie Mae was never mentioned. Pioneer Credit Recovery Inc seems to believe without doubt that, the debt is legitimate debt. They dont have any official documents to prove that the debt belongs to me They havent proven anything whatsoever but feel that they are within the guidelines of the law!!! Its it is bogus fraudulent Unauthorized documents that someone has falsely obtained and presented as legit.

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 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I purchased a XXXX XXXX and financed it through Wells Fargo Auto on XX/XX/XXXX. I started the process of trading the XXXX into XXXX XXXX of XXXX XXXX in XXXX of XXXX. I traded in the XXXX and took possession of the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX of XXXX XXXX sent my pay off information in to Wells Fargo Auto. 

I started looking into securing funding to purchase a home and noticed two delinquent marks on my credit from Wells Fargo Auto. I called Wells Fargo and was given the email address XXXX. I emailed them the required documents ( copy of title of new vehicle, purchase agreement showing trade in of old vehicle ) on XX/XX/XXXX. I received an email back on XX/XX/XXXX starting that email address was incorrect ( auto-generated email ). I called to confirm I had the correct email address, sent the email again, only to have it bounced back again. I called again, and got a fax number to send my complaint to instead. I sent that fax to Wells Fargo XX/XX/XXXX and had heard nothing back until XX/XX/XXXX when I called them. The first person apologized, said it was the fault of Wells Fargo, and offered to escalate my complaint. I took that option and was told it would be another 10 days after they did their own private investigate. She did not acknowledge that they would use any documentation I submitted, citing they were two separate departments and do not work together. I do not have confidence that this will be handled appropriately as it has not happened to this point.

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 2021-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report the XXXX XXXX XXXX partial account number XXXX as account not disputed. I have contacted the bureau on multiple occasions to in fact dispute the validity of this account. The bureau has not even bothered to investigate this and report the status correctly that this account, is in fact in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. I respectfully request that Equifax do their job and either remove this line item and/or update the status to report account in dispute. The false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
The collection own my account sinceXX/XX/XXXX, *I did not receive any letter or call from them * after I called them 4 times they did not cooperate I started call them late XX/XX/XXXX * I requested more information no one response till they received letter from the court they start send letters to me. Around XX/XX/XXXX with late date on the paper *they harm my credit report for about 2 years without give a chance to fix it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: IL

Complaint narrative:
SOMETIME AROUND XXXX OF 2018 A CREDIT CARD WAS OPENED IN MY NAME WITHOUT MY CONSENT ... THE AMOUNT WAS {$750.00} DOLLARS. I WAS A VICTIM OF IDENTITY THEFT ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
SOMETIME AROUND XXXX OF 2013 A AUTO LOAN WAS OPENED IN MY NAME WITHOUT MY CONSENT ... I WAS A VICTIM OF IDENTITY THEFT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received correspondence from XXXX  via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at XXXX was monitoring that mailbox. 

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. XXXX then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and XXXX either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.

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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021, Transunion credit bureau failed to update my score accordingly although I notified them in XX/XX/2021 that I no longer had an auto loan balance at XXXX XXXX XXXX due to the vehicle being paid off. In addition, Transunion failed to update my score in which a debt with XXXX XXXX in the amount of {$750.00} was removed from credit report but did not increase my credit score.

There is an ongoing issue in which Transunion quickly decrease my credit score but fails to increase my credit score when accounts are improved or paid off.

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This complaint is regarding a charge-back dispute dated XX/XX/XXXX. The dispute is over the purchase of plane tickets valued at XXXX dollars dated XX/XX/XXXX. The dispute record number for this claim with my creditor is XXXX. 

I have included in this complaint : a record of my first email exchange with XXXX customer service, my second email exchange with XXXX customer service. My email exchange with the U. S. Department of Transportation, my second claim letter to my creditor, and the U.S. Department of Transportations original mandate that justifies my claim to a full refund. 

As I argued in my original claim, XXXX canceled my flight due to COVID-19 complications. They initially tried to offer a voucher as a form of reimbursement. After I replied that I was due a full refund and that this refund is mandatory per the Department of Transportations enforcement notice, they requested my account information to transfer my refund. They then promptly cut off all communication with me and did not reply to my emails. 

After originally opening my dispute, both XXXX and my creditor argued that the refund terms were fulfilled and that I was not owed a refund. They claimed that the merchant has a no refund cancelation policy therefore I am not owed anything. This completely ignores the DOT enforcement that I included in my dispute claim. XXXX has also failed to respond to my DOT complaint within the required window of time, indicating they have no intention of interacting with me in good faith as a merchant. Furthermore, my creditor is obligated to credit this amount as it is considered a billing error under USC Title 15, Chapter 41, Subchapter 1 Part D Section 1666 ( b ) ( 3 ). XXXX has announced bankruptcy on XXXX XXXX, XXXX and cancelled their flights for the year XXXX ; they are unable to fulfill their obligations. I made this argument to my creditor, but they have not provided any counter argument to my claim and have simply rejected my dispute a second time with no justifiable grounds beyond the simply cancelation policy that XXXX originally provided.

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 2021-02-09 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: DE

Complaint narrative:
There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and Experian and XXXX was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called Experian and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.

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 2021-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc.
State: TN

Complaint narrative:
I started business with Grain ( trygrain.com ) on XX/XX/XXXX to try and build my credit where they deposit money into your checking account after paying a {$200.00} deposit. I was accepted for a {$400.00} credit line. However, issues started where I no longer have my XXXX Checking account and the company has no response on updating my checking account so that I can make payments on-time consistently. The issue started on XX/XX/XXXX and I have reached out to them on XXXX XXXX and email at XXXX with no response from email that helped. One instance they reset the ability to add my checking account through their XXXX app, but the connection to the XXXX XXXX continuously failed which keeps resulting in interest fees, late payments, and the possibility of negative marks that will happen around XX/XX/XXXX. 
I'm simply trying to pay off my account with Grain and receive my {$200.00} deposit back, but it seems that everyone, including on their XXXX page, is not having any response from this company to fix a simple issue and have the customer service capacity to resolve issues before they happen to customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I lost access to an email that is used to verify access to the Coinbase Vault. I put in a support ticket on XX/XX/2020 and Coinbase has still not resolved it despite repeated attempts to cointact them. The one response I did get was about a month ago and say, " We can see your case is on the right track, thanks for your patience as our team works through the queue. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I have been a customer of USAA for many years now. My wife is linked on my account as well. I have never had an issue with deposits and fund availability until recently. My daughter who is currently a service member was scammed out of a lot of money and my wife is listed on her usaa account as well. Usaa is now holding all checks deposited into my account unfairly. I have questioned it and was told its due to my wife being linked to my daughters account. My wife does no deposits on the USAA account and its honestly my sole account. I have requested it to stop and usaa is not acting on it. Yet again showing how they truly dont care about their veterans and long time customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Nissan Motor Acceptance Corporation is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX NMC. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX Here is the company they used to collect the debt : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: DE

Complaint narrative:
There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and XXXX  and Transunion was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.

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 2021-02-09 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: DE

Complaint narrative:
There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX XXXX. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. Equifax removed the account in XXXX and XXXX  and XXXX  was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have never been late sine the opening of this loan in 2017. The XXXX  was stolen and while learning the process of dealing with insurance and gap, the loan company, Fifth 3rd Bank took a long time to submit the requested documentation to the insurance company, after several attempts from XXXX XXXX, the paper work was submitted and their portion was paid. Gap kicks in after this and while awaiting, a payment was missed and Fifth 3rd Bank reports me to the credit report. Not a phone call, not a letter requesting payment. I feel unjustly reported and an unappreciated customer after paying over the minimum due and on time for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 

Capital One is NEED to be held accountable for their actions. I need to know why as the customer, that I need to ask another company for a THIRD PARTY LETTER HEAD to prove an item that I thought I was purchasing. I WANT MY MONEY BACK!!!!! I will sue them if I have to, it's the principal of this. I paid for an item, it wasn't what I ordered, the website was bogus. I thought Capital One would have my back, they instead threw me way underneath the bus. I've attached my purchasing receipt, a picture of the original item and the picture of the item that I received. All I wanted was a refund for an item that I did not order ... NOTHING MORE!!! I'm livid that everyone is siding with Capital One on this and this bogus XXXX company that DOES NOT EXIST. I contacted the Ombudsman and I actually thought that this would give them a swift kick in the rear but it didn't. They're not giving you'll the full story and if I have to go a New Station and tell my story I will, someone will here from me.

Company response to consumer: Closed with explanation