vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted Captial One 360 Checking Department and also the Security intake Departemnt, in reference to a Overdraft Line Of Credit Issues. I applied for a checkings account and overdraft line of credit limit increase and both were approved. For the last few weeks I have encountered numerous of little to none communication from Supervisor and Customer Service representatives, with lack of knowledge of a technical issue with their system. I have been verified several times and two tickets were put in for this issue in their end to be resolved. As a new customer I am very disappointed with the wait time, non communication, long wait holds, back and forth with different departments and supervisors, no updated notes in the system and a full work day of several weeks with nothing resolved. This has been a inconvenience to me and I have two hard credit inquires on my credit report from XXXX  and XXXX. Which were pulled from Capital One, in reference to the Overdraft Line Of Credit that I was approved for and not able to proceed online with obtaining. This is misleading and has been a long unsuccessful wait. As a customer I would not recommend this bank, unless this matter is resolved. A customer should always be valued and handled with care as business should be their priority and any issues should be addressed immediately. Supervisors should be there to make sure issues like this are resolved promptly. If I cant access my approved overdraft line of credit. A credit to my account or checking should be applied, as most banks do. Technicians/ technical support team who work full time ( 8hrs a day ) 5 days, this issue or locating a bad code error should not exceed over two weeks as its doing. Please resolve this issue so I can continue banking services with Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
-Received Promotional Offer from Citizens Bank . ( See Attached ) -Opened Account on XX/XX/2019 -Direct Deposit of {$500.00} bi-monthly commenced on XX/XX/2019 -Made Required 5 Debit Card Transactions -As of XX/XX/2019 no {$300.00} Deposit had been received. 
XXXX-Visited Citizens Bank on XXXX XXXX in XXXX XXXX Connecticut . CSR contacted Citizens to check on deposit and was informed it would not be made until XX/XX/2019. I filed a complaint with the bank manager as that is not what the back of the mailer stated. It specifically said the {$300.00} deposit would be made 60 days after account was opened which would have been around XX/XX/XXXX. Who can I contact to get assistance with be payed the {$300.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The company experian, did not investigate my complaint but brushed it off.

I complained of unauthorized inquiries on my account to all 3 credit bureau 's. Two of the three have removed them. Experian 's response was the following : " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you have several unauthorized inquiries are listed on your credit report. You would like the inquiries removed from your credit report. According to our records, the disputed items does not appear on your current Experian credit report. '' Effectively telling me that they have not reviewed the report at all.

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 2019-10-21 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: CarMax, Inc.
State: NV

Complaint narrative:
Carmax Auto Finance # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My account balance is incorrect. Per my statement on XX/XX/19 balance due was XXXX I then made a payment for XXXX Which would bring account to XXXX due. on XX/XX/19 statement the balance due was XXXX which would be the XXXX with XXXX ( XXXX ) total owed which my statement on XX/XX/19 reflected. I then made a payment on XX/XX/19 for XXXX which would make balance due of XXXX ( which would be your fees only due ) and next payment due should be XXXX and XXXX in fees. Yet your website shows I owe XXXX which is wrong. Fix this immediately. I have also been locked out of my account for over 8 months which I have asked them to fix multiple times and they finally did today XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint is against Experian. 
I called to request help trying to get my freeze removed as I am applying for a mortgage. 
Since I didn't have my PIN number, I was told to send a letter requesting that my freeze be removed as it might be faster than waiting for them to send me a new PIN number. 
I sent a letter as they instructed while also paying for an overnight delivery. 
I called them a few business days later and they told me that they had no record of receiving my letter even though I had it tracked and was shown it was received.

Three more times over the next two weeks I called Experian and was told the same thing.

On my fourth attempt for help, I was told that I was going to be put on with a " supervisor '' to help me. On this call and over my next three calls for assistance, they merely put me on hold and after over 30 minutes of waiting each time, I eventually had to hang up.

Finally, I called yet again and requested a PIN numbe
r be sent to me. I had to wait about a week to receive it all the while trying to explain the hold up to my mortgage company who couldn't process my mortgage application without, of course, checking my credit.

After receiving my PIN number in the mail and removing my freeze ( after about four weeks of trying ), I simply can't believe this outrageous business practice is allowed to go on, especially since the other two credit agencies were simple and a pleasure to work with.

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 2019-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
This company called Sequiem keeps calling over and over and I do not have any unpaid bills. I have never made a late payment to anyone, but I still checked my credit report to confirm. I have blocked their number, but they just call me from another one. I do not answer the phone, but it is very frustrating. 
XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX   XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX There are more dates and times if I need to send more

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I was told by Navient that i was qualified to have some of my students loan debt forgiven after i was employed at the technical school for a period of 5 years. The the school i teach at qualifies because it serves the low income community. At my 5 year mark 2 years ago i sent in all the proper paperwork for my student loan forgiveness. Several months ago they called about my loans and said i was behind. I told them that i was told after i submitted the student loan forgiveness paperwork that i would be recontacted about the loan forgiveness and if there was a remaining balance then i would work out a new payment plan. I ended up taking another forbearance because they pushed me to take on to hold my loans from defaulting and still can tell me the status of my student loan forgiveness. They now tell me they don't know where my paperwork is for forgiveness or the status of my loan forgiveness because its done by a third party. they also can not tell me what third party may have my paperwork or even if it is lost. I am willing to resend it. I have lost trust in this Navient company all they seem to want to do is give me a forbearance or hardship they don't want to work with me to help me find out the status of my forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA Experian and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit  reporting agencies ( Experian & XXXX ) based on the investigation results that removed the item from my XXXX report.

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 2019-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus crap is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: NV

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.

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 2019-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Financial Assistance
State: UT

Complaint narrative:
I was contacted last Wednesday ( XX/XX/XXXX ) by a representative of Student Loan Financial Assistance. They promised me they could help me qualify for Student Loan forgiveness, and they said that based on my current work situation I qualified. I foolishly gave them my SSN and my bank account number. They withdrew {$170.00} from my account, which they told me they would do. I also signed a contract. It was only recently brought to my attention that this could be a fraud. I'm working with my bank on getting my account changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NV

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.

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 2019-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
On XX/XX/2019 I, XXXX XXXX, contacted my mortgage company ( PennyMac ) to discuss an error that occurred with their payment app. My wife logged on the app after hours on XX/XX/2019 to pay our mortgage. Her first attempt failed and an error box popped up stating that her attempt did not work and to try again later. So she tried again and it went through just fine. Fast forward to XX/XX/2019 we went to get gas and realized our account was over drafted. Upon further inspection an additional mortgage payment was withdrawn. I contacted PennyMac and they  returned this money after I argued with the lady on the phone for 20 minutes and she refused to let me speak to a supervisor as he was busy ( yet she kept putting me on hold to speak with him ).  Well today, XX/XX/2019, we woke up to find that PennyMac took  the returned extra mortgage payment BACK out of our account and it set our account back in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
I never agreed to authorize this loan. The loan was agreed upon by the co signer. I did not sign any loan to give my approval to commence such loan. I have contacted Discover student loans to explain that I had nothing to do with the origination of this said loans. I do not have a way to pay back any loans and at the time of said loan I was not capable of paying a loan or can sign for one. I had no credit to sign for one nor do I have credit today to acquire a loan. I demand a signature by me approving this loan. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Resurgence capital is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We were issued new cards on an account we don't use or want. I tried to close the account a few weeks ago ( one of the cards is in my name ) and the customer service agent would not allow me to close the account because the account was in my husband 's name. Today my husband called to close the account. My husband is extremely hard of hearing and had trouble understanding the credit card rep. The rep did not want to close the account and kept arguing with my husband. My husband was getting frustrated because he could not hear or understand the rep. He then informed the rep that he was going to hand the phone to me and the rep didn't want to talk to me. I finally asked for his supervisor and when she came on the line we went through the same ordeal. After telling this rep several more times that we didn't want to account, we think she may have closed it, but because she, too, insisted on talking to my husband, we are not sure if the issue is actually taken care of or not. This was a totally frustrating experience and we are extremely upset that we had to be subjected to this kind of " customer service ''. The card in question is a Shop Your Way Mastercard issued by CitiBank.

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 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: UT

Complaint narrative:
I don't have dollar amounts as that is what I am trying to obgain. I am unable to get information from ACS/Conduent about my loan. It is now with a new servicer and I have no historical data. Conduent will not let me log into my account to try and find this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a business checking & money market savings account at a U.S. Bank branch in XXXX XXXX, CA onXX/XX/2019 with an advertised promotion for {$400.00}. The terms stated that I must deposit {$5000.00} within 30 days of account opening and that the {$400.00} bonus would be deposited into my account within 45 days of this event. I deposited the {$5000.00} minimum on XX/XX/19. The 45 days would be XX/XX/19 and the deposit still had not been credited to my account. I called the branch and they assured me that I had met the terms and the deposit would by seen in my account the following week. After waiting a week, I did not see any activity, so I called again, and they assured me it would then be credited the following week. Finally, I went into the branch where I opened the accounts on XX/XX/19 and sat with a banker to explain the situation. They said it looks like I met the terms, but it could take another 8 weeks to look into it. It seems they are giving me the run around, and do not plan on following their own terms.

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