vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: Ascendium Education Group
State: WI

Complaint narrative:
Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. 

Briefly, I am paid ahead to approximately XX/XX/XXXX. XXXX claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence, Ascendium tells me I have to talk to XXXX. 

On XXXX, I received a call from XXXX that I was behind over {$2500.00}. Since then, I have made XXXX calls to XXXX and XXXX  calls to Ascendium to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. 

I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ), XXXX, who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). 

On XXXX, when I called XXXX, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that XXXX was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests both the bureaus and collection agency, the unverified account I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) with the account number XXXX is still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be REMOVED asap.

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 2022-01-31 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I was declined for a Credit Card, which is fine. My problem is that one of the reasons given was the on my report for the XXXX, the one used for this application, I was told a reason for the denial is not enough accounts Current. I have never had a late payment, and every account is current. 

I was told to check with XXXX. I did. No account was anything other than current. 

I asked to see the report that you used on XX/XX/28, as is my right under the Fair credit reporting act. I was told Id get a letter in the mail, which would not contain the details of the report used. So I am still left without answers as to what you saw that was not current. I have referred to the credit bureau as directed and pulled my report also, and there is nothing. 

I have a legal right to the information you used to make this determination. I would like the report you pulled mailed to me. I believe you are completely mistaken and there was never anything not Current.

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 2022-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX email address ; XXXX I have been trying to work with Navy Federal Credit Union for 5 months now on a refinance of my home. They originally gave me a closing date of XX/XX/XXXX even though this process was started in XX/XX/2021. That date has come and gone and I am still fighting to try to get this process completed. They have had to run my credit 3 times now because they have taken so long, which has dropped my credit score every time and made it difficult when I bought a new truck XXXX weeks ago. Today they tell me that I have to get my well retested yet again because the current test will expire before they can get a closing on the refinance. This is the worst experience I have ever had. Not to mention I have called the supervisor of my XXXX  XXXX and left messages for 3 months with no call backs. I feel this is just bad business and they do not care about the people anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 2022-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 I received a letter from Capital One stating that they had closed my IRA account. There was no information about why, where the money went or who I could reach out to about the matter. 

After several calls and transfers, the Capital One operator revealed that they no longer service IRA 's and instead the account has been transferred to XXXX XXXX XXXX. 

To say that the communication surrounding this transfer was lacking, is a huge understatement. Capital One claimed they had sent an email on XX/XX/XXXX, XXXX but I found no such email. And it's concerning that a bank can make such huge changes to people 's finances without better and multiple communication efforts- even if one has opted for electronic correspondence. 

Capital One should be mandated to reach out to clients with more than just an email when large sums of money are transfered to another institution. They have an entire ecosystem on their website and apps- and none of those platforms offered any information that could have mitigated this confusion. 

1 ) Mine was an active account with multiple attached savings and checking accounts. So I was visiting the website and app regularly. Yet there was no " alert '' or internal message sent within the app or website that notified me of the closure. 

2 ) The account that was closed had no follow up information on it. It would have been quite simple for Capital One to have instructed customers where the funds were sitting or whom to reach out to. 

3 ) Further, there is no contact information on the account of who you can call about this matter. I instead had to call the general help line and was routed multiple times before I found someone who could help me. 

4 ) The letter they sent in XX/XX/2022 also didn't note where the money had gone. It simply stated that the account was closed. Again, it would have been helpful if they had stated to reach out to XXXX XXXX in that letter. 

This is a massive communication failure on the part of Capital One and a breach of financial disclosure. 

Capital One needs to be reprimanded for their handling of this matter. I can only imagine the number of people affected by this issue who have no idea where their money has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I deposited {$5500.00} in two separate deposits. The ATM has a limit of 30 items per transaction. I thought I split the deposits out appropriately, but upon completing the second deposit, I noticed that I had inadvertently put 31 {$100.00} bills in the ATM for the first deposit and it only credited me for XXXX {$100.00} dollar bills as the second deposit was in the amount of {$2400.00}. I reached out to Wells Fargo immediately, and recieved a provisional credit on XX/XX/XXXX in the amount of {$100.00}. I received a letter today, XX/XX/XXXX, dated XX/XX/XXXX stating that they completed an " investigation '' that showed that the original deposit amount ( the erroneous one where they stole {$100.00} from me ) was correct, and they will be deducting the provisional credit from my account on XX/XX/XXXX. How can they get away from stealing from their customers without any recourse??????

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 2022-01-31 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: NC

Complaint narrative:
Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

Transunion : XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31 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: IA

Complaint narrative:
I have contacted the ombusperson, and MyFedLoan ( current servicer ). I explained that there are payments that were made prior to my loans transferring from XXXX XXXX XXXX to my current loan servicer that are not recorded anywhere. I was able to obtain a record of at least one payment made in XXXX on my XXXX credit report that is not reported by the Dept of Ed ( they claim I did not enter repayment until XXXX which is incorrect ), showing evidence that the records of my prior payments made when my loans were under Direct Loan Servicing are incomplete. Given that I have been employed as a public service worker ( nurse, now nurse practitioner ) since XXXX for the same employer and my XXXX and XXXX plans are dependent on the number of payments made ( rather than the number of years given in service ) I require accurate records of my payment history. I was also placed on incorrect repayment plans in the past in error by my prior loan servicer. This is unacceptable at best, and fraudulent at worst. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: NV

Complaint narrative:
I lost my wallet containing multiple identification items in XX/XX/XXXX, and ever since I have seen numerous credit inquires show on all three major credit bureaus ( Trans Union, XXXX, and XXXX ), which were not initiated by myself or with my authorization. This has had a negative effect on my credit and even my ability to obtain employment. I demand all unauthorized inquires to be removed immediately. 

Trans Union : Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX : Inquiry details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX OF XXXX XXXX # XXXX XXXX, XXXX FIXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 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 2022-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We were enrolled in automatic payments for the life of the loan. Some of the automatic payments collected were improperly applied to interest only, an, none applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I received a letter from the company called convergent outsourcing inc. they are claiming that I owe {$1600.00}. XXXX cents and they are saying that it's from an investment in a company called XXXX XXXX XXXX. I do not owe this debt I do not know this company. They also say the original debtor or creditor was XXXX XXXX XXXX who I contacted and they said that they don't loan money their debt or bad credit repair service. So I contacted convergent and I told them that I don't know anything about this debt and they've got the wrong person and they wanted my social security number and I declined to give it to them and they said have a good day and they hung up. They need to provide more information about this debt before I submit to any more questions about my personal information.

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 2022-01-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offeXXXX n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-01-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
I leased, with the agreement to purchase in XXXX  years a XXXX XXXX XXXX XXXX in XXXX of XXXX. The lender is US Bank. As part of the lease agreement the lender was to send a current registration to me annually in order to renew my vehicle license tags through our local license bureau. The process began in XXXX of XXXX when we failed to receive our current registration in order to renew. US Bank customer service representatives and legal representatives continued to dismiss our requests and complaints and as of today, XX/XX/XXXX I still do not have my current registration. I have been unable to move my vehicle from my garage since the tags expired in XXXX of XXXX. I am receiving no cooperation from this lender, US Bank, although I continue to make my timely lease payments each and every month. I would greatly appreciate some sort of assistance so that I can drive my vehicle legally. 

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 non-monetary relief