vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a barclay statement on XX/XX/21. There was a charge for {$12.00} on XX/XX/21. I called barclay that same day on XXXX ( the number on the statement ). I was transferred to a relationship specialist and was asked for my password. I told them I didn't know. They said there was nothing they could do despite me telling them someone was using my card. I asked to speak with the manager. I was transferred to the manager who said she couldn't access my account because I didn't know my password. She said she would transfer me to security. I was on hold for roughly 50 minutes. I found another number on the back of my card XXXX. I called and spoke to a relationship specialist. I gave them an old password to see if that was a possibility as I do not remember my verbal password. They said it was not. I explained the situation of how I don't know the password and someone was using my card. I was put on hold for roughly 20 minutes and then the phone hung up on me. I called the XXXX number again. I again explained the situation and she said she would stay on the phone with me while I was waiting for the security department. I waited roughly 70 minutes and hung up because no one was answering the phone. I called the XXXX again and tried two other passwords ( one of which is my online password. I do have access to my online account ).. Neither password was correct. They said they were going to transfer me to security. I told them I want to place a complaint. She said she would stay on the phone with me until I was connected to the complaint department. Instead, she transferred me back to the main menu for their automated telephone system.

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 2021-10-27 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: PA

Complaint narrative:
Hello, To whom it may concern, I am writing you today because XXXX is reporting inaccurate information on my credit report and I've pointed this out to them numerous times and yet and still they fail to remove it even though they are reporting both inaccurate and fraudulent information on my credit report. 

The credit bureaus are supposed to be fair and ONLY report 100 % accurate information. It's been well over 30 days since I sent in my dispute letter and they haven't responded back to me yet at all. They are playing games with me and not taking my concern seriously. 

They are severely violating my rights that I'm fully aware of. I've also pointed this out to them and they just ignore my complaints and don't respond to my letters. I'm extremely frustrated and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX continuously violate my rights. Experian violated law 15 usc 1681g, by not notifying me of reinsertion in writting within 5 days of reinserting this item on my credit report, They both are in violation of section 611 law 15 usc 1681 ( i ) by not notifying me of my investigation results within 30 days and not provding an adequate investigation, They sent me an old statement from the alleged account and as claim that as the proof that I opended the account, that is not adequate enough proof. Based of this I demand that this account be removed for gross 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 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have called Navient twice to request that any overpayments of my loan be applied to the lower balance of two loans. On both times, I was assured that would occur, and the lower amount loan would now be paid off. Instead, the amount was applied to the higher balance despite repeated attempts on my part to change the allocation. I was assured that the allocation had been paid. The lower balance loan would be completely paid off by now if they had done so. 

Instead, the amount I am paying towards the balance has DECREASED and my payment is now only 200 % of the interest rate. It is dramatically extending the life of the loan, and it is difficult to view that as a casual oversight as it is in their interest to continue to collect interest for a larger period of time. 

The balance is small, but they will not listen to me or reason with me and they actually REMOVED the option to self-service and direct overpayment allocations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
To whom it may concern, Equifax has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.

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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have a current mortgage with Rocket Mortgage , LLC. I am refinancing with them also. I started the refinance procedure in XXXX of 2021. By beginning of XX/XX/2021, all paperwork was approved and closing date set for XX/XX/2021. An agent came to my home and all documents were signed on that day. The documents were uploaded to my portal. Apparently the loan did not close, so know I have two active loans with Rocket Mortgage. As of XX/XX/XXXX, I have been attempting to resolve for over two months. No one at the firm can tell me what is going on or how to resolve it. I have spent countless hours by phone calls, emails, website chat and email issue link.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX Bank of America loan # XXXX. Original mortgage XX/XX/XXXX for {$370000.00} w current principal balance {$300000.00} & Payment Deferral Agreement balance of {$43000.00} modified XX/XX/XXXX. 

On XX/XX/XXXX I was notified by XXXX that Bank of America reported change to my account : " Major Derogatory Account '' modified " Not under a Federal Government Plan ''. My loan is in fact a XXXX XXXX loan and I recently exited a authorized Forberance Plan approved by Bank of America. Please see " Congratulations on successfully completing loan modification agreement dated XX/XX/XXXX. Also find B of A Account Details as of XX/XX/XXXX showing account is current with no past due balance or fees owing, next payment due XX/XX/XXXX. I contacted Bank of America Credit Reporting Department on XX/XX/XXXX requesting they review this negative change to my credit report. B of A agreed to review opening a Case File # 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 2021-10-27 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: Kikoff Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
To whom it XXXX concern, Equifax has not responded to my letter that I sent out to them WELL OVER XXXX days ago. Credit Reporting Agencies  have XXXX days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
To whom it may concern, XXXX  has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.

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 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
How can previous Complaint # XXXX on Experian be labeled by Experian as This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. when Experian has yet to send valid permissible permission used to send my credit report on XX/XX/2017 to XXXX XXXX XXXX XXXX or has yet to give any explanation? Illegally accessing my credit report led to a forged and fraud loan in my name.

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a Chime account and has had them for over 2 years now. I use the account to pay bills. Now as of today XX/XX/2021, i received an email from Chime stating they are going to close my account on XX/XX/2021. The email did not provide a reason or an explanation. I called customer service and they couldn't do anything nor provide me a reason. 

Horrible company for doing this. Will not use them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received several emails from Santandar that i opened 2 accounts with them.. I never opened any accounts and also I called them to let them know and they said they would call me back but never called me

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 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Disputed previously with Trans Union COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed XXXX Originator

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 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on SOUTHWEST CREDIT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/2021 regarding an alleged debt in the amount of {$2000.00}. I do not believe that I owe this, and I dispute it. 
In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) A copy of the judgment, if applicable. 
e ) Name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc.
State: GA

Complaint narrative:
Hello, I have been making small payments to my defaulted student loan though XXXX since XX/XX/XXXX and wanted to repay in full the existing balance. Up until today XX/XX/XXXX the website showed that my balance was XXXX ( XXXX principal XXXX interest ) The last time I logged in before today was Saturday XX/XX/XXXX. Since XX/XX/XXXX there is a new field " Projected PCA Fee '' in the balance spreadsheet on myeddebt.ed.gov that was not there before today. I have a screenshot from XX/XX/XXXX of how the website looked, the presentation from a year ago has changed and it is apparent that the " Projected PCA Fee '' was not included in the balance. The " Projected PCA Fee '' disputed is for XXXX. My issue is that this fee was not stated before and in order to repay the loan amount through the website I would have to pay this fee that appeared without prior notice. When I called the collections agency " National Credit Services '' of XXXX, WA today, they said I would have to pay this fee to satisfy the amount but I was not made aware of it through the government website myeddebt.ed.gov until I logged in today. They also stated that the last mail they sent that would have this information was sent in XXXX. By the end of the call, the offered to " start a settlement '' and that the loan would still not be considered " paid in full '' I ended the call without starting the settlement. I have included two screenshots, one of the old format of displaying the balance from XX/XX/XXXX and one from today with the " Projected PCA Fee '' included in the matrix.

Company response to consumer: Closed with explanation