vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
My bag was stolen that contained my wallet & my phone & a few other things. After I figured out that who ever stole my bag was using my card and seen the fraudulent charges i called it in stolen. I made a police report. They sent me some forms in the mail I got them and i filled those out and signed the forms and faxed them in. & the same day I called to check if they received those forms they told me that they had denied my dispute claim and would not give me any sort of reason as to why. I dont understand how they denied it considering the charges are from a town 3 hours away from me. They basicly denied me and said sorry your 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 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA auto policy insurance closed my account, this is unauthorized, I do not consent USAA has violated my Federally Protected Consumer Rights. I tendered an instrument which is an agreement, said agreement is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. The instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I owe no debt. As everyone should know lawful money was removed from our economy by congress in 1933 by HJR 192 ( House Joint Resolution ) and replaced with negotiable instruments. These negotiable instruments are considered as legal tender on the same par and category as Federal Reserve notes. USAA canceled my insurance and is demanding that I pay a balance that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX/NELNET - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened US DEPT. OF EDCUATION - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 I went to US Bank at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX. I had my paycheck from my employer which is drawn on that bank. I had proper ID. The bank manager XXXX XXXX said they do not have the cash on hand to cash my check. My employer had the funds available in the account. I was denied payment on my paycheck by the bank manager.

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 2021-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have written to this company Ad Astra Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) and have personally spoken with " XXXX '' Employee number -XXXX at XXXX XXXX and spoke for XXXX minutes and XXXX seconds about validating and verifying the dept prior to moving forward. He refused and told me to take the deal I was given and lucky to get. He refused to transfer me to a supervisor and then said, " he was done, and any deal he was giving us was taken off the table. '' Not only was this conversation and his demeanor unprofessional, but it was also insulting and unbecoming. Instead of de-escalating the conversation, he continued to elevate the hostility and add gas to the fire. XXXX days have passed with for the official request for verification and validation. I requested to see all pertinent documents and they have not sent anything i have requested. My next move is to take this to FDIC and also to my state attorney 's office to file a complaint. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: AR

Complaint narrative:
On XX/XX/2021, I received unwanted " junk '' mail inviting me to take advantage of a " Personal Loan Summary Prepared For : XXXX XXXX XXXX XXXX '' The company that sent this was " Upstart '' from XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I do not wish to receive credit solicitations. 

When I opened up the mail to see how to opt-out, on the first page there was a clearly written note that said the following : You can choose to stop receiving " prescreened '' offers of credit from this and other companies by calling XXXX. See PRE-SCREEN & OPT-OUT NOTICE on other side for more information about prescreened offers. 

On XX/XX/2021, I called the published opt-out number. I was greeted instead with yet another " offer '' which said I could press a button to receive a {$100.00} credit to spend at major retailors, such as XXXX or XXXX. Or, I could hang-up! It was a bait-and-switch and there was, in fact, no information to opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I paid the loan in full on XX/XX/2021. I received paid off letter ( attached ) from SPS dated XX/XX/2021. To this date I have not received any release of interest on the property from SPS. County records have also not been updated to this date ( XX/XX/2021 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I am writing in regards to somethings that I have noticed from you all on my consumer report. I see an alleged late payment that you have furnished on my consumer report. It was actually a billing error due to violations on part of your compant. By reporting this as a late payment you are in violation of the following 15 U.S. Code 1666 Correction of billing errors ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

The law clearly states that you all were to send disclosure to my address at least XXXX days before the end of the billing cycle, which you did not do so therefore it was a billing error on your part. I am demanding to see real verifiable proof that I did not pay on this account that is marked late as well as proof that you have sent the disclosure as stated above XXXX days before the statement due date. If you can not provide these things. It is clearly a billing error pursuant to 15 U.S. Code 1666. 

The account below should be updated to paid as agreed on my consumer report XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation CAP ONE AUTO Account Number : XXXX As a consumer by law the late payment must be removed and account updated to paid as agreed Having this late payment reflect to my account has caused me much financial stress and money. It has hindered my ability to obtain credit and has cost me more money than it should because of higher interest rates. As a consumer by law I am eligible to seek compensation for you all violations of the law pursuant to 15 U.S. Code 1681n you are liable for up to {$1000.00} per violation. I am demanding that you update the account or remove it from my credit report ASAP or I will have to escalate this to the XXXX XXXX XXXX and Attorney General. 

Thanks for your Cooperation in getting this resolved on my consumer report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Today. XX/XX/2021, I called EXPERIAN at XXXX because my written requests to EXPERIAN asking them to send me reports and results of their independent investigation of my disputed accounts have still not been honored and my rights are continued to be violated. Twice now I have requested, in writing, results and proof of EXPERIAN 's independent investigation into the disputed accounts listed on my credit report. Today on the phone I spoke to XXXX, who continued to deny me any information about EXPERIANS Investigation, he could not truthfully answer my questions and so I requested to speak to his supervisor, after being put on hold for 5 minutes XXXX told me that there is no supervisor available and then he promised me that a Supervisor would call me back within the next 3 hours, SADLY NOBODY EVER CALLED ME BACK! 
VERY UNPROFESSIONAL! EXPERIAN CONTINUES TO HARM ME WITH INACCURATE INFORMATION ON MY CREDIT REPORT AND CONTINUES TO IGNORE MY REQUESTES FOR PROOF OF THEIR INVESTIGATIONS INTO MY DISPUTES. EXPERIANS ACTIONS ARE HARMING ME INTO FINDING EMPLOYMENT! 
EXPERIAN by FCRA requirements must conduct an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditors in question. NO SUCH INVESTIGATION HAS EVER BEEN DONE! 
EXPERIAN ONLY GETS THEIR INFORMATION FROM eOscar.

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 2021-11-20 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: MN

Complaint narrative:
There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet XXXX, Experian, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!

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 2021-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: UMPQUA HOLDINGS CORPORATION
State: AZ

Complaint narrative:
I have tried to request documents to validate the charges they are adding to loan. We had a forbearance on this account due to business being affected by XXXX. They have disregarded the forbearance we signed & agreed toXXXX XXXX XXXX ( Financial Pacific ) is adding fees from the forbearance period which should not be valid. I have requested the documents on this entire loan & they have refused to provide all items I am requesting. XXXX XXXX is requesting double the loan amount which is not what we signed & agreed to on the forbearance loan. They have also signed addendums we did not agree to, I have brought this to their attention & they refuse to provide financial statements or reports reflecting how they are coming up with double the amount of original loan. After almost XXXX years of paying on this loan they are requesting the full amount of original loan. We can not get any answers or transparency for any request I have asked all parties for documents pertaining to charges. XXXX XXXX XXXX XXXX XXXX refused to send my request. XXXX XXXX Has sent a demand letter for full amount of loan, the amount they are asking is XXXX when I was just told payoff was about XXXX. The loan was refinanced under a forbearance new terms & agreement of XXXX in XX/XX/2019 under a forbearance plan & now we are being told we need to pay XXXX asap. I have all communication in email to validate my statements. My records reflect we are XXXX payments behind due to an accident caused by another party, attorney provided the letter for their recordsXXXX XXXX XXXX did not believe unit was in accident & still pending litigation. We are under the repossession stage, loan has to be delinquent for more than 90 days which we are not, the payment attached is from my bank & reflects that. The last document ( Forbearance ) we signed is attached, they somehow came up with addendums after forbearance which we did not review or sign. This is not legal business transaction & we are not getting any answers from them just demands, we need assistance with this account! Thank You!

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 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
I have tried to close my checking account several times and have been refused. I was then charged with fees from returned checks when I have not written any checks and no one currently has permission to draft money from my account. It has been weeks and I havent gotten the account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 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: Kriya Capital, LLC
State: CA

Complaint narrative:
This is an old debt, from when we had XXXX for internet. We switched from XXXX XXXX XXXX XXXX XXXX for internet, and XXXX continued to bill us for XXXX  months. They stated we never requested cancellation. I gave up fighting it, and accepted the collections status. 

The debt is from a few years ago, and has been sold at least twice that I know of to different reporting companies. It was just sold again, and they are currently reporting it as an OPEN account that was opened on XXXX of XXXX. 

This is NOT accurate. We last paid them in XXXX or XXXX of XXXX. This is XXXX year old debt, and should reflect that. 

The current report shows a balance {$160.00} from XXXX ( both are probably correct ) The date opened shows as XX/XX/XXXX ( VERY incorrect - Opened XXXX, XXXX and ended XXXX ) It also shows this as an 'OPEN ' account, when it has been through the hands of multiple collections agencies. 

The re-addition of this 'new ' date and status has tanked a credit score that I have been working very hard to rebuild. 

I have tried to dispute this with XXXX, but they said that they confirmed the information was valid. It is very much NOT. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: MI

Complaint narrative:
I received notice that I am being sued for a debt with Lending Club, closed in 2016. I received a letter from their collection agency XXXX XXXX. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed a late fee and interest charge for XXXX 2021 on my Citi Double Cash account. I always pay my credit cards, so I did not understand what happened. I went back through my email, and I noticed what the issue was. When I click the link to pay in my statement email, it tells me I have no payment necessary. 

Steps to reproduce : 1. Open Citi Double XXXX XXXX email - subject : " Your statement is available online - make or schedule your payment now '' 2. Click " Pay Your Bill '' button 3. Citi website opens on Citi XXXX XXXX saying " Minimum payment due : {$0.00}, Last statement balance : {$0.00} '' I did some thinking and figured out what the problem was. I got a replacement Double Cash card in XXXX 2021. On the Citi website, it now shows two Citi XXXX XXXX cards. However, when I receive the statement email, the link to " pay your bill '' directly opens the old Double Cash card. There is no indication that there are multiple Double Cash cards. One would assume that the link in the email statement would open the correct corresponding Double Cash card. Note that I am a paperless account, so there is no paper statement. The only statement is the email, which contains a direct link to " pay your bill '' which shows {$0.00} due. 

I called Citi bank on XX/XX/2021 after noticing this issue and immediately paid the account and requested for a waiver of the late fee and interest. Citi representative denied the request. I explained the entire situation above, and the Citi rep agreed that the link in the statement email should open the correct payment page for the card. I stated then obviously there is a problem or bug here if it is taking me to a page saying payment due {$0.00}. The rep could not escalate further because her supervisor was off work already. 

I noticed a few minutes after my complaint that suddenly the old Citi Double Cash card was erased from my account. I believe the Citi rep tried to delete evidence by removing the old Double Cash card from my account. Good thing I already took screenshots and a screen recording to preserve evidence. Screenshots and screen recording are available on request.

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 2021-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is regarding the original complaint submitted to CFPB for XXXX and XXXX. I am providing additional evidence of deceitful business practices by US Bank. The bank responded to the complaint dated XX/XX/XXXX. It stated on the front cover incorrectly that " The state of FL is an electronic holding state. A paper title has been requested ; please allow up to 6 weeks for the request to be completed. '' I have contacted the Florida XXXX XXXX XXXX collector 's office, XXXX XXXX, with a money order of {$85.00} in order to obtain the title in XXXX of 2020. Please see the attached response of the Florida XXXX collector response, note a typo of date, it should be XX/XX/XXXX, not XX/XX/XXXX. US Bank 's response is contradictory to the response of the XXXX collector XXXX in Florida.

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a PayPal account so that my unemployment could be deposited on there not reading all about the rules and policies anyway my first unemployment deposited on XX/XX/2020 and as soon as the funds from unemployment deposited to my card I immediately called XXXX pcs to pay my phone bill well it didn't go through so I tried again thinking maybe I put the info in wrong so I tried it again it declined so im just like confused as to why so I go to the cornerstone go to ATM tried to withdraw some cash it wasn't going through so I try to buy a piece of candy, it didn't access so im lost at this point so next thing I know I'm getting an email stating my account has been put on a temporary limit due to suspicious activity so im upset crying.so I go into my PayPal app and provided some of the info they asked because some of the questions I couldent answer so they put my account on a full limit hold for 180 days so im panicking because rent, car note, electric due I became homeless lost job me and my two children were sleeping in our car that became up for repo so long story short it's been almost 2 yrs I call and try to withdraw my funds and they give me the run around and say to be looking out for an email from them and I been waiting and waiting im currently homeless my 2 kids and I moving from place to place, shelter to shelter, and I direly need my funds of XXXX to be available for me to withdraw can you guys please

Company response to consumer: Closed with non-monetary relief