vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
I purchased XXXX prepaid XXXX 's each for {$100.00} dollars on XX/XX/22 at XXXX. After purchase I gave them to people and was immediately notified by all people that none of them worked. 

I spent several days and a lot of hours calling Gift Card Services ( The number on the back of the cards ), I was told that the cards " Could not be validated ''. I tried to dispute the transaction with XXXX XXXX ( My credit card that I purchased these with ), and they said that XXXX provided proof that they loaded the cards. I spoke to XXXX 's Corporate office, the told me to go back to the store and speak with the store Manager. The Manager said to contact XXXX. XXXX said that I needed to talk with US Bank National Association. And US bank sent me to " Marketing Solutions '' who does not answer their phone or return my voicemails. 

No one has been able to assist me, and {$1200.00} is a lot of money for no one to care that I never received what I paid for. It has now been 30 days, this is ridiculous. I would never purchase pre-paid cards ever again.

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 2022-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been trying as the executer of my mother 's estate to get People 's united bank in XXXX to disperse my deceased  mother 's CD funds to the listed beneficiaries. I first went to the bank in XX/XX/2021 ( her death was XXXX ) and provided a death certificate. I was advised that I needed a letter of authority to disperse funds. Other accounts ( with different financial institutions and listed beneficiaries ) were dispersed without such requests. I eventually got a letter of authority from the probate court in XXXX  and provided this to them along with current addresses for all my siblings as beneficiaries. My mother had us all listed on this account. The People 's representative then stated that they wouldn't accept this letter of authority. I have since got the estate lawyer to apply pressure to disperse the funds, but they have gotten the run around as well. I had no such trouble with the many other bank accounts, ira accounts, or 401k accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Funds are being held by PNC Bank even though the XXXX XXXX was declined. 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PM XXXX {$7400.00} XXXX XX/XX/XXXX XXXX - Visa Declined Sale XXXX XXXX XXXX is not the issue. PNC Bank is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: AES/PHEAA
State: CA

Complaint narrative:
I am pursuing PSLF and had my payment history reviewed under the limited PSLF waiver. I believed I had a fairly clear cut case, and was expecting my qualifying payments to increase significantly. However, after review my number of qualifying payments have actually decreased from the update I received last year. Also, I lost three qualifying payments when I was given misinformation from a FedLoan rep in 2019 ( I was advised to put my loans on forbearance for the three months I was out of work from a work related injury because I was " technically not working at a qualified employer during this time '' - I later learned that I was still technically qualified as employed and missed out on qualifying payments ). This is incredibly stressful, I am so burned out from community XXXX XXXX XXXX ( which is what nonprofit work in my field is ), and am struggling to hang on for the less than 3 years ( now, according to FedLoan, over 4 years ) I was expecting to have left. I can not get in touch with FedLoan 's customer service or the ombudsman. When I call FedLoan, I wait on hold indefinitely ( my record is over 2.5 hours ). When I request a callback, no one ever calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had an American Express Gold card for 12 years, And the past 3 years Obtain a Business Amex Card. During the pandemic the predatory lending of Amex customer service advised I open a XXXX amex XXXX and a XXXX Amex XXXX being, they were monitoring my spending habits ( Violations ) however upon opening the cards in XXXX and XXXX when I used them. I made payments to my American Express XXXX. I didnt not specify the card to be paid because there was only XXXX card that had a balance Since the Amex had Closed all of my accounts since XXXX without confirmed notification. This has become an undue hardship, it has impacted my life and way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have sent several emails anc called and mailed showing Missed payments, and nothing just saying the same count refusing to investigate payment to that are inaccurate and missing years of payment XXXX to XXXX when you call you are told different stories what to believe. This is so frustrating that this is suppose to help us but instead it is a full time job fighting with them to document money you paid. I am tired after 20 plus years of teaching and the last two years of pandemic teaching there has to be a better way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
FedLoan continues to send me letters that state they have applied all payments including the PSLF waiver, when they have not. This process continues to be frustrating, stressful, and all together a huge letdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays Bank fails to make a reasonable number of recent past paperless credit card statements available online. As of XX/XX/XXXX it is only possible to access paperless statements back through XX/XX/XXXX. It is not possible to access XXXX through XXXX statements of XXXX. 

XXXX calls to customer service on XX/XX/XXXX and XX/XX/XXXX confirm that agents are unable to access any earlier statements than what the customer is able to access online. 

The customer portal for the account falsely states that older statements can be ordered by calling and speaking to a representative. Neither representative I spoke to is in fact able to order past statements. Here is the exact wording found in the statements section of the customer online portal : " Order statements If you would like a copy of your previous statements, you can print statements free of charge from this website, or to order a copy of a previous statement, call Customer Service at XXXX. 

Please be ready to tell us the account number for which you want the statement copy and the date of the statement ( XXXX ) needed. ''

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 2022-03-09 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX I consolidated 26 federal loans into one loan. The amount of the loans totals {$290000.00}. I have applied for Public Service Loan Forgiveness ( PSLF ). I have worked in public service since XXXX and have provided employee certification. Prior to consolidation I had 24 months credited for PSLF under the Cares Act waiver since XX/XX/XXXX. I have been waiting for review of my loans that are from XXXX for the recently announced waiver since XX/XX/XXXX. I spoke with a Fed Loan representative in XX/XX/XXXX and they went through various inaccuracies on my loan accounts ( in-school deferments not accurate and prior payments not being counted ). Fed Loan stated that they would submit to Department of Education for a manual review but it could take months. 
In XXXX of XXXX I decided to consolidate my loans so that I could get the highest payment counts once the waiver was applied. The consolidation went through fine. I then however, received the attached letter indicating my account had been reviewed under the waiver and now I only have 2 months! I inquired about this error and received a confirmation letter ( attached ) that is was accurate. 
I absolutely know that this is an incorrect count. My loans have not been processed under the waiver or there is something terribly wrong. These types of communications cause extreme anxiety and stress and I do not know what other options I have to get this corrected since Fed Loan is indicating that it is correct. I can not get anyone to respond via emails and social media direct messages. They do not answer their phone for hours so that is not realistically an option. 
I am just looking to have accurate communication. I realize applying the waiver takes time and I fully anticipate once it is applied there will still be inaccuracies that I will need to address but these types of communications are irresponsible at best. 
Thank you for your assistance on behalf of myself and all XXXX XXXX borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested financing for a new phone through the carrier. They stated that they were unable to approve and I would need to contact Experian. I reviewed my credit on Experian 's site, and I do not see any issues that would prevent approval and my score is in an Excellent category. Upon talking to the carrier they stated it was still an Experian issue. I have tried to contact Experian and the chat function is never available, the phone menu only allows automated options that do not involve this issue, and there is no email option. Currently I am being denied for credit and I have no way of finding out why or resolving it ( again, no negative marks of credit and high score ).

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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My checking account with Wells Fargo was debited {$410.00} on XX/XX/XXXX. I contacted Wells Fargo to issue a credit because the automatic payment method was cancelled with the merchant and I chose to pay the merchant directly for the services. Wells Fargo issued a claim for the amount and provided a provisional credit while the matter was being investigated by their claims team. The provisional credit was later reversed on XX/XX/XXXX which caused the checking account to fall into a negative balance. The bank issued additional fees for insufficient funds which were directly related to the credit reversal. I contacted Wells Fargo to inquire about the reversal and the banker informed me that the reversal was justified because documentation was not provided within 48 hours of the request. The banker had no inform about Wells Fargos and the attempts to contact me in a method other than US Mail due to the urgency of the matter. On XX/XX/XXXX, I submitted a written complaint with Wells Fargo and then contacting the merchant myself, we were able to provide written documentation of the cancellation that took place with the merchant on XX/XX/XXXX. Since then, Wells Fargo has not issued the credit of {$410.00} or the unjustified associated banking fees. After many attempts to resolve the matter amicably, Wells Fargo has displayed a non-responsive and irresponsible approach to a small error. This circumstance is now causing emotional and financial distress as my relationship with the financial institution no longer holds value or integrity for its consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, I went to XXXX XXXX XXXX apartment hunting prior to my lease end in XX/XX/XXXX. XXXX showed me an apartment in the office building. There were 3 students living there who were to move at the end of their lease. I paid a fee est {$150.00} for credit check which he stated was required. I signed the lease for that apartment. I made arrangements with XXXX XXXX to extend my lease until XX/XX/XXXX. XXXX stated XX/XX/XXXX as my move in date. However, he called prior stating he students decided to remain in the apartment. I returned to the office. XXXX showed me floor plans for a building under rehabilitation to covert into apartments. I chose the one I wanted. He stated a new lease would be signed when I returned to pay deposit and first month rent. I was told by him before XXXX that the rehab was not complete. Every time I drove by the building I saw work was continuing. The parking lot was not complete either. For nearly a year, I was XXXX. I stayed in hotels, with my sister, nephew, friend or traveled to Tennessee to stay with my son. I constantly called about the apartment and told it was still under rehabilitation. I never paid anything other than the credit check fee, saw the apartment, received a key, signed a lease for it or informed it was ready to move in. I was making all the contacts. I learned of the collection in XXXX when I applied to refinance my mortgage at XXXX XXXX. XXXX told me after I told what happened with the mortgage that he was contacted. He was with when XXXX showed me apartment in his office building. 
Regarding XXXX. XXXX ( XXXX XXXX, acct. # : XXXX ) for {$1200.00}, I do not owe that amount if I owe anything. I maintained my same cell phone number and have/had accounts with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
A Lowes commercial account was opened in my name. I spoke to someone at lowes and they said that someone has all my personal info. They were able to cancel the card and clear the debt and forwarded the issue to thier fraud department. They advised me to notify the credit reporting companies and place a hold on my ss #.

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 2022-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One, accused me of depositing a suspicious check and has froze my account. And funds reflect on my account is incorrect. And should be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Application was denied due to not accepting official documentation from the government. The official documentation requested was 1 primary document in which I submitted an EIN Letter. The application was rejected so I submitted 2 primary documents an EIN Letter and Articles of Incorporation. Those documents were rejected also. They can not give me any information on why official documentation from the government was denied and rejected. I want the credit hit to my credit reports removed right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
There is an account that is unknown to me reporting on my credit file. This is not mine nor have I ever been sent anything regarding this matter. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX XXXXnaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXXXXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.

Company response to consumer: Closed with explanation