vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I had an emergency situation that required me to use my Capital One Credit Card to take a cash advance of {$300.00}. It was my first time ever taking a cash advance on a credit card. 
On XX/XX/XXXX, I called Capital One Customer Service to ask how I could pay off the cash advance balance so that I would not continue to accrue interest on it. I was advised that I could make a payment on the phone during that call which would go directly towards paying off the cash advance. I was advised that the total payment would have to be {$310.00}, which included the amount of the advance ( {$300.00} ), the ATM fee ( {$3.00} ), and the cash advance fee ( {$10.00} ). I confirmed that once I made this payment, the cash advance would be paid off and I would no longer accrue any interest on it and would just have my standard credit card balance that I would be making payments with interest on. Just like it was before I took the advance. 
Today, on XX/XX/XXXX, I noticed a cash advance interest charge on my Capital One balance. I called Customer Service again and was told that none of that payment from XX/XX/XXXX went toward the cash advance. I was told that regardless of what I was told on the phone by their Customer Service, the terms that were given to me clearly state that whichever balance has the higher interest rate, is what anything above my minimum payments will go toward. Unfortunately, the interest rate on my cash advance is the same as the interest rate on my credit card, so in order to pay off the cash advance, I would have to pay off my entire credit card balance ( {$7400.00} ). 
There is nothing in my statement that says this, it does not say what happens when the interest rate is the same as the credit card interest rate, it only says what gets paid when there is an interest rate that is higher than another. In addition, I went a month thinking that my cash advance had been paid off BECAUSE THAT IS WHAT THE CAPITAL ONE CUSTOMER SERVICE REPRESENTATIVE TOLD ME, so now I have an additional month of interest on that balance. 
I can not afford to pay off my entire credit card balance right now. I am making minimum payments. 
There must be a recording of my conversation with this representative the day I was told it would be paid off by making that separate payment. That would be proof that that is what I was told. Not being allowed to pay off the cash advance until the credit card is paid in full is extremely sneaky.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$71.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2022-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX . In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingUSA
State: NY

Complaint narrative:
On XX/XX/2021 I got a personal loan from Lending USA, as I'm on full social security XXXX, trying to make ends meet. This so called " bank '' pulled a predatory lending practice and scheme on me that imposes unfair and abusive loan terms, a jaw dropping interest rate at the tune of nearly 21 %, stripping me of any money I have to live on. This bank 's deception to get me to take out a loan I couldn't afford when they approved me and can't afford now with the high living costs is a pure predatory lending scheme they baited me into. 

I made attempts with this bank, by phone, to lower my interest rate or allow me to skip a month or XXXX ( putting loan missed on back end ) but they instill fear in me by telling me that a ) they won't lower the interest rate to allow me to survive and make ends meet and b ) they allow any extensions and c ) if I don't make payments as promised they will destroy my credit by contacting the credit bureaus as a fear tactic to force me to pay their 21 % interest that they knew in advance I couldn't pay for BEFORE granting me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Is a Bankruptcy on myCredit Report what is not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.

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 2022-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I sold a house and the private lender was paid in full on XX/XX/2021. 
However, the company, XXXX XXXX XXXX and its Servicing company, Fay Servicing failed to record the Cancellation of Security Deed until XX/XX/2021. 

I received a letter from Fay Servicing , LLC ON XX/XX/2021 to inform me my right to demand {$500.00} in damages due to their failure in the event a copy of my Satisfactory/Release/Discharge/Reconveyance was not provided to XXXX XXXX recorder within 60 days of payoff. 

I have since wrote them XXXX times, email the company XXXX times, contacted the company by phone XXXX times and it appeared that the company is as evil as it can be. 

The excuse I received by email was that on the date of the closing, the mortgage was sold to another bank, which Fay Serving did not send me any notice in writing of such event, nor did XXXX XXXX XXXX. 

I would like to file a consumer complaint for their shady practices and to pursue the damages entitled to me. 
And I would like to know if there are other victims from doing business with these XXXX companies for potential XXXX XXXX lawsuit, Thnak you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( XXXX, XXXX, TransUnion ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at XXXX today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check Transunion account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, XXXX XXXX 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 2022-04-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( Experian, XXXX, XXXX ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at Experian today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check XXXX account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, XXXX XXXX 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Is a Bankruptcy on myCredit Report what is not belong to 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 non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Is a Bankruptcy on myCredit Report what is not belong to 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I originally sent XXXX a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XX/XX/XXXX. 

Before that date, the other 2 letters were sent on XX/XX/XXXX and XX/XX/XXXX. XXXX did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with XXXX and Transunion as well, which I will share in attached files. For instance, XXXX originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )

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 2022-04-10 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: NH

Complaint narrative:
I originally sent XXXX a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XX/XX/XXXX. 

Before that date, the other 2 letters were sent on XX/XX/XXXX and XX/XX/XXXX. XXXX did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with Equifax and XXXX as well, which I will share in attached files. For instance, Equifax originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On the Credit Report XXXX, XXXX and Experian the account and name and amount are incorrect

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 2022-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I just saw an inquiry on my credit wise account. I am out of country and I didnt apply for any kind of loan or credit card..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a letter from Wells Fargo informing me I had applied for a credit card. I did not apply for a credit card. I called Wells Fargo and spoke with several representatives. I asked only that they not issue any card in my name. Instead, they sent me a letter telling me if I did not send them a notarized declaration that they would open the account. 

I have put fraud alerts on all three credit services. I have contacted 4 other banks/companies who also received applications in my name. They all froze the accounts or told me they would not issue the cards.

I believe Wells Fargo has a financial interest in opening as many accounts as possible, and this may very well be a scam in which they open accounts without the consent of the consumer. 

Thank you for whatever help you can offer.

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 2022-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I subleased an apartment before I moved back to XXXX. I was not responsible for any payments on the apartment because everything was set up wit XXXX XXXX Apartments before I left. I attempted to reach out to XXXX XXXX but they are no longer there, it is now a different neighborhood. This debt was originally reported to my credit in XXXX as {$730.00}. As of XX/XX/XXXX, it is {$310.00} so now Im confused on the inconsistencies and no one is reaching out to me with any updates in regards to what is going on. I wasnt aware an debt was even reported until XXXX when I was looking at a deeper credit report and then I checked my credit report again today and the balance is different but no one told me anything. I received a letter in the mail with the new balance asking me to pay from Southern Management Systems , Inc but this is the first communication I have ever received from them and I still dont know how the balance has gone down when I dont owe anything. 

I have all of the documents from when the apartment was sublet. 

I would really appreciate this situation taken care of and removed from my credit.

Company response to consumer: Closed with explanation