vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On, XX/XX/2021, I submitted my application to CitizensBank. In their advertisement, they stated that the process would be stress free, instead it has become a nightmare, after they conducted a hard pull on my credit. They asked me to submit my paystubs, which I did and stated the sources of my income. I provided authenticated proof from the employer [ letter ] and on XX/XX/2021, they sent me a follow-up email stating that the documents I submitted [ which by the way are actual documents from the XXXX XXXX  XXXX Department of Education ]. I uploaded per their request as they authenticate the sources of income. Again, on XX/XX/2021, the refused the authenticated documents that I submitted and are now asking for my all my W2s. I find the process as having me jumping through hoops rather than addressing the authenticated documents sent from my employers. I am filling this complaint since under the ECOA, it is unlawful for a lender to discriminate on a prohibited basis in any aspect of a credit transaction, and under both the ECOA. Under one these laws, a lender may not, because of a prohibited factor : Fail to provide information or services or provide different information or services regarding any aspect of the lending process, including credit availability, application procedures, or lending standards. 
Discourage or selectively encourage applicants with respect to inquiries about or applications for credit. 
Refuse to extend credit or use different standards in determining whether to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: MI

Complaint narrative:
I can not get anyone to help me. My child support went on the beginning of the month and I can not get it to let me transfer it to my bank account. Ive sat on hold for over an hour!!!! I need my money. Single mom of XXXX kids! I hate that Michigan resorted to using this XXXX Way2Go company. How do I get my child support?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MI

Complaint narrative:
I reviewed my credit report and discovered this was on my report ... .I have never had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: WA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. 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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. 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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/2021 XXXX has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am SSDI only and receive food stamps based on the XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
There is a mistake with my account because I have always made on time payments since I opened my account in XX/XX/2017. Then something happened where my payment was made from the wrong account that was clsoed and i updated it right away. This dropped my credit score a lot and I am asking for a one time courtesy to pelase remove the late payment because I paid it right away when I found out the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: FL

Complaint narrative:
I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to XXXX & Experian and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to XXXX & Experian showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.

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 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I HAVE AN ACCOUNT WITH YAMAHA FINANCIAL SERVICES/YAMAHA MOTOR FINANCE. I HAVE PAID WAY ABOVE THE MIN REQUIRED PAYMENT SINCE I TOOK THE LOAN OUT FOR MY NEW 2020 YAMAHA BOAT. WHEN I CALLED THEM THEY ADVISED ME THAT MY INTEREST PAYMENT IS IN ARREARS. THIS CAN NOT BE POSSIBLE. I HAVE REQUESTED AN AMORTIZATION SCHEDULE FOR MY LOAN AND A STATEMENT OF ALL PAYMENTS MADE WITH A BREAKDOWN OF HOW EACH PAYMENT WAS APPLIED AND THEY REFUESED MY REQUEST. I AM NOT SURE WHAT ACCOUNTING SYSTEM THEY ARE USING BUT SOMETHING IS WRONG HERE. THERE IS NO WAY I AM BEHIND ON INTEREST PAYMENTS FOR THIS ACCOUNT. THIS IS MY SECOND REQUEST TO INVESTIGATE HOW YAMAHA IS HANDLING MY ACCOUNT. SOMETHING IS NOT CORRECT HERE. THIS LOAN IS A 15 YEAR LOAN, NOT A CREDIT CARD. EACH PAYMENT SHOULD CONTAIN PRINCIPLE AND INTEREST PAYMENTS. I HAVE MADE PAYMENTS OVER THE AMOUNT REQUIRED TO PAY TO KEEP THIS ACCOUNT CURRENT. THERE IS NO WAY I AM IN ARREARS IN INTEREST. CAN SOMEONE PLEASE INVISTATE THIS COMPANY. I NEED AN AMORITIZATION SCHEDULE AND A COPY OF MY COMPLETE PAYMENT HISTORY. PAYMENT HISTORY ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
i am missing over XXXX dollars from my relia card pre paid deposits alone that is just deposits about XXXX in purchases each month since XXXX have been made to my account and i have called several times to request that the funds be returned. what i have found out is that my neighbor and several others she is connected to are working in customer service through us bank relia card and possibly twc. through the company conduit! in XXXX XXXX tx they have stolen my stimulus check and transferred money from my rbfcu account they have taken a lot out of my accounts and used my social security for various fraud inqueries. i have called and called have done a lot to try and resolve this issue i also am uncertain of how many others they have done this too. XXXX and apparently XXXX a XXXX XXXX and a lot of other people entrusted with goverment funds and confidential information are using it to take money from every unknowing XXXX in the united states! please help this also includes my smi one account and irs tax refund

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 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To summarize, when talking with an account supervisor for Capital One, I was told that, " you need to spend more on your credit card '', despite having mentioned that spending more on my card would negatively affect me. This strikes me as an abusive practice under XXXX. 

To expound, on Tuesday XX/XX/2021 I called Capital One to discuss an issue I was having with a credit line increase. I had been automatically declined for a credit line increase due to not meeting credit utilization requirements. However, my current credit utilization with Capital One was sufficiently high to lower my credit score. Hence, given perfect repayment history over several years, a credit line increase seemed warranted. As such, I described this situation to an account supervisor. The account manager told me that to receive a credit line increase I would have to satisfy the condition for which I was declined. I clarify by asking if this meant I needed to spend more on my credit card to which I was told yes. This concerned me as I had already expressed that spending more would negatively affect me. I conveyed this to the account manager but was told again " you need to spend more on your credit card ''. 

UDAAP defines an abusive action one that " Takes unreasonable advantage of ... The reasonable reliance by the consumer on a covered person to act in the interests of the consumer. '' The aforementioned situation seems to be just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MO

Complaint narrative:
I am notifying you that I mailed XXXX, XXXX, and Equifax a dispute letter about their inaccuracies and incorrect information. There was XXXX ( XXXX XXXX XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, XXXX, and Equifax has not responded to my dispute letters and its been over XXXX plus days and that's a violation. They have not issued a notice of dispute on neither of the XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am notifying you that I mailed Experian, XXXX, and XXXX a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX  XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, Experian, and XXXX has not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.

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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
on or about XX/XX/XXXX my account was overdrawn. I froze it as there were XXXX XXXX XXXX charges on it that were fraudulent. Upon freezing it the bank blocked the child support deposit, but I stated I wanted deposit only -- which they failed to do. Upon doing that there were overdraw fees stapled with over XXXX of bank fees due to their mistake. I switched the monies over to different account. I tried to close it soon after, as I was getting notices again, of money being owed. On or about XXXX XXXX I had XXXX in that specific account. I called and tried to close it and they said it had a minimum of 6 months or fees would be put on -- I left the money in it ... now they are stating that I owe XXXX. XXXX with more fees -- and I have not used this account and it is still frozen. No monies should be taken out -- and no fees should be put on it. They have made so many mistakes, and I have spoke to numerous mangers and upper position bankers -- they returned and reversed monies more than once -- but continue to add fees and make mistakes. I believe now they submitted it to a collection agency. They are doing this with fraud and with mistakes it is not accurate.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I received investigation results from TransUnion that I totally disagree with, in the letters it described that the accounts I challenged and want remove from my credit report came back as verified and they will not delete from my report. However I was not given any physical proof or validation of the accounts belonging to me, In the investigation results I did not receive original applications or signed contracts bearing my signature showing the accounts are mine. Bureaus are in direct violation of the laws in The Federal Credit Reporting Act, you are required to remove unverifiable accounts that you can not provide physical proof of accounts belonging to some one. I take this matter seriously and I come to find out that the bureaus stated out in their investigation results that a data furnisher verified the information as correct who is this data furnisher verifying information on my credit report? this is against my consumer rights laws, as they are selling my consumer file information to companies without my consent, I fully intend on pursuing litigation in this matter to enforce my rights under 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 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Continually being harassed by a collection agency trying to collect a debt from a person by the same name, with a different date of birth. Agency has been told several times that I am not the person they are looking for and to no longer contact me in regards to this debt. I have videos of me telling them it is not me, to stop calling. They continue to call and I just received a call at work from a courier trying to serve me with legal documents for a debt that is not and have never been mine. I have a video of my husband and I addressing this with the agency from XX/XX/2020.

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I explained to Midland Credit Management, on a recorded line, that I was part of the Class Action Lawsuit against XXXX XXXX ( XXXX vs XXXX XXXX Class Action Lawsuit ) where as XXXX XXXXXXXX was to have all debts removed from all three credit bureaus, XXXX, XXXX, and XXXX. They were not to sell our information to third parties anymore. This debt that Midland have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and XXXX XXXX if they don't remove this from all three credit bureaus agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: UT

Complaint narrative:
I got a complaint for old debt in 2018. I never got any collection letters at my current address. however was presented with summons at my house. I tried to called Jefferson capital and XXXX XXXX to pay this debt and get a settlement. I called and the number provided in the summons kept telling me the department is not there. Waited on hold multiple times to get disconnected. Representative are not knowledgeable or aware of this. No resolution. I even sent an email to XXXX XXXX with a response of asking for my number which I provided. 
I also called on XX/XX/XXXX to be on hold asking for my information and then getting disconnected. This is not an excuse or a way to collect debt being inhuman.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX a charge was allowed to be made to My credit card company when the names did not match and nor has a charge of that dollar amount have EVER been Made in the XXXX yrs that Ive been a customer of capital one. I disputed the charge and capital one is backing the merchant instead of my their customer. Ive tried to no avail to resolve this matter and I NEED assistance ASAP please?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 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: Nelnet, Inc.
State: CA

Complaint narrative:
I review a current copy of my credit report and show dept of nelnet showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

XXXX Account number:XXXX XXXX Acoount number:XXXX XXXX Account number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Last XXXX I made a payment and the interest went up {$6000.00} from the time Navient took it from XXXX  (? ), and I only have one loan and they have me down as two. They said the interest was only a little over a dollar a day. Previously they didn't even have the right ssn or birthdate and now they do. I thought through the pandemic that interest had stopped.

Company response to consumer: Closed with explanation