vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2022, I applied for a credit card with Macy 's Department Store. I have previously had a card that was paid in good standing. On XX/XX/XXXX, I received a letter from Macys credit department and my application was declined. I called to get clarity and the lady told me you just did't qualify did I have bad credit. Well I would not have every thought I would be discriminated against. That question should not have been asked to me. I can fathom that Macy 's would train their associated to be so cruel and unprofessional. Based on the Fair Lending Laws and Regulations, I feel because I'm a minority and live around low income communities all of us XXXX XXXX  have bad credit. I was not given an opportunity to explain my Bankruptcy on my credit report which I have established credit since being discharged or an alternate proof I could afford repayments. I was never provided a second chance especially when I had an account years ago and paid it in full and closed it in good standing.

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I called American Express to address my APR for my Blue Cash Everyday card and options to reducing it. Within the conversation, I was informed about transferring credit lines. The representative stated to me that if I paid off the total amount on my XXXX XXXX XXXX XXXX which was a credit limit of {$2000.00}, I would be able to transfer the full {$2000.00} limit to my Blue Business Card. With that information, I accelerated my payments for XXXX, XXXX, and finally paying off the card on XX/XX/2022. 

On that same day, I followed up with another call to American Express and inquired about the clearing of my funds to pay off of my Blue Cash Everyday card ; a replacement card for that account and transferring my credit line to my Blue Business card. Due to the fact that I needed to replace my Blue Cash Everyday card, my process to transfer was stalled. Once I received my replacement Blue Cash Everyday card, I called back on XX/XX/2022 at XXXXXXXX XXXX  and, initial spoke to representative XXXX. I was informed by her, I would not be able to transfer the full amount of {$2000.00} from my Blue Cash Everyday credit card to my Blue Business Card. She stated that only {$1000.00} would be eligible. I stated that I was not made aware of this limit and that I was misinformed by two previous representatives. I asked to speak to supervisor. XXXX return to the line with XXXX the Customer Service Supervisor. She reiterated XXXX 's messages that I would only be able to transfer {$1000.00}. I had requested to receive and verify any type information and was told that there is no such policy to provide to me as a consumer and business owner who utilizes their institution. 

Then as we worked to a compromise through the available options to move forward on the issue, I agreed to move forward with the {$1000.00} transfer from my Blue Cash Everyday card to my Blue Business card, but was informed that it is not a guarantee and that an application must be submitted for internal approval. Another curve with no provide to be provided to me to verify or make an informed decision. 

I decided that I would not be moving forward with the application due to not being provided with enough transparent information to make an informed decision. 

American Express has misinformed me as a Consumer XXXX XXXX  XXXX by guiding me to accelerate payments to pay off a credit card with the hopes of transferring a {$2000.00} credit limit to my business when I could have used my funds for my business operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
After graduating in XXXX, I began receiving letters from Nelnet instructing me on how to pay my student loan bill. What I did not realize is that there were actually two separate accounts and that notifications for one of these accounts were being sent to my university email, which I was not able to access off campus. I was paying that 1 loan for months when all of a sudden I received a letter in the mail saying that my account was delinquent and I needed to bring it up to date. At first I thought this was a mistake. I had been paying my bill for months and had not even been late on a payment. When I called I learned that there was another account that I was supposed to be paying for MONTHS, yet Nelnet had waited until XXXX of that year to finally mail me a physical letter about my " missed payments ''. As discouraging as this was i brought the account up to date and HAVE NEVER MISSED A PAYMENT ON ANY ACCOUNTS. 

This nelnet issue is still affecting me almost 8 years later. My wife and I are trying to buy a house and my credit score is STILL only XXXX despite never missing a payment on any accounts. My credit card debt is minimal. A XXXX credit score does NOT reflect who I am as a borrower. 

I felt that Nelnet could have taken additional steps to ensure borrowers were receiving billing notifications. I dont understand how they can reach out to an INACTIVE email account for close to a year before finally sending a letter to me. I dont understand how my score is still being pulled at XXXX despite never having missed a payment on any other account in my life. This score does not reflect who I am as a borrower, you will see this upon taking a look at my payment history. 

I have spoken to other nelnet borrowers on blogs and even in person and have found that this is not uncommon at all. Nelnet should be taking every step necessary to contact borrowers given the especially dire consequences that come along with not paying your federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I have been trying to close my Huntington XXXX XXXX account for the past month. I have attempted to close it via chat and was told they couldn't close it via chat but to call in. I then called in on XX/XX/2022 and was told they can not close it over the phone and I would have to come into a branch. I explained that I would rather not since I have a compromised immune system. I asked if there were any alternatives like an address to send a letter to asking to close it. She was not able to provide an address. I would just like to close my account without getting COVID. I'm appalled that in 2022 this is the only way I can close my account and make sure I don't get dinged with dormancy/monthly fees. If this is how they plan on making money as a business It's a little crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion reduced my credit score by XXXX points with no explanation. 

There were no missed payments There were no new accounts opened There were no late payments XXXX erroneously reported I made a XXXX dollar payment to my school loan and then reported my school loan debt increased by XXXX both are lies! 

TransUnion has failed to return the XXXX points to my credit score and keep sending me my credit report which tells me nothing. 

I want a letter from TransUnion stating what payments were missed, what new accounts were open, and/or what payments were late. 

I want a letter from XXXX stating why they reported a XXXX dollar payment was made to my school loan account and why XXXX reported an increase of XXXX to my school loans when no additional school loans were taken out.

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 2022-05-26 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: FL

Complaint narrative:
XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance on XX/XX/2022 {$1600.00} XXXX XXXX XXXX XXXX LATE PAYMENTS Original loan amount {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a wrongful submitted medical bill sold to a 3rd party collection due to XXXX not billing XXXX code correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Not only am I suddenly unable to login to my account online but I am being charged " interest '' on a paid in full credit card account. 
There was a balance transfer and then there was a payment made to pay the remaining balance in full. 
I am being charged interest for the day it was paid off. 
The representative, whom I can not understand, rambled off some reason why and its not accurate. 
When I logged in the account stated the balance remaining ( not the statement balance ) and I paid that amount. 
I owe nothing. 
Called twice, transferred several times, hung up on twice ( the phone calls drop ), and so I am making this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 consumer reporting agency can not furnish an account without my written consent and instructions 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

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 2022-05-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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 consumer reporting agency can not furnish an account without my written consent and instructions 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We refinanced our home with PHH Mortagage in XX/XX/2022 and an escrow refund check was issued. We did not receive the check after 30 days. We called customer service and the escalation department to complain and get the issue resolved. A new check was requested on XX/XX/2022. On XX/XX/2022 we received the original XXXX check with a USPS stamp of XX/XX/2022. This check was worthless as it was canceled when a new check was requested. As of XX/XX/2022, we still don't have our escrow refund check, that is past 30 days of the original XXXX date when the closing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist created seperate loan payment account on my HELOC after transferring from Suntrust. They began applying payments improperly not subtracting from the interest bearing account. I called to have them apply payment correctly and they made it worse. I then paid off the balance, more than owed, creating a negative balance of {$400.00} in repayment account and a total negative balance of over {$200.00}. I called to have it corrected and account closed. After a month, they just removed the {$400.00} again leaving the account with a loan balance of {$100.00}.

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 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CITIBANK, N.A.
State: OH

Complaint narrative:
A unauthorized charge occurred on my Best Buy Citi Credit Card of {$210.00}. I called to get this fixed and they stated a refund for that amount will occur and it will take 30 days. After 30 days the refund came however a late/interest charge of {$2.00} came onto the account. I called again and they stated this will be refunded as well and it will take 30 days. AGAIN, another charge came before this one was removed totaling {$4.00} and then a missing payment was initiated on my credit report ( Never missed a payment in my life ). Once I talked with Best Buy again they settled the outstanding balance and they submitted a dispute to their internal credit bureau to get the missing payment removed. I then received a letter in the mail stating that the missing charge was correct and that the missing payment will stay on the report. I tried disputing using XXXX and XXXX with no luck as they came back with that the late payment is correct and will remain on the account. This has been going on over 7 months now and is affecting my ability to fund our wedding now. I need help

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 monetary relief
Consumer complaint received 2022-05-26 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-05-26 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am here to inform equifax of identity theft of me account and wish to have fraudulent accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AES/PHEAA
State: FL

Complaint narrative:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 34 CFR 685.219 - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: TX

Complaint narrative:
Financial Asset Management Systems has been calling me non stop from about 15 different numbers for over a week. They did not leave one voicemail when they would call 4-5 times a day, so I believed they were spam or fraud. I JUST got a letter in the mail from them today, and the number on the letter is NOT one of the numbers they called me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I made a purchase of a gift card reload of {$1900.00} with my Barclaycard Rewards Mastercard. I then noticed a cash advance fee was charged to my account. This transaction was not a cash advance and was incorrectly coded as one. In addition, I had previously set my cash advance limit to {$100.00} when I originally opened the card in XX/XX/XXXX. Therefore, if this transaction was going to code as a cash advance, it should have been declined and not gone through in the first place. I tried to resolve this with Barclaycard ( spoke with a representative named XXXX on XX/XX/XXXX ) and while they finally refunded the fee after much debate, they were unable to do anything to correct the incorrectly coded transaction. I was specifically told " this transaction was not declined based on your cash advance limit because it was a manual transaction and was not a cash advance '', which contradicts everything else I was told.

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