vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I bought a US Bank prepaid visa for {$490.00} from XXXX The card never worked, the call center staff is not equipped to see the issue or help out asking me to wait for 24 hours and making stupid statements like the cards may not work at XXXX, i had bought more than 1 card and all the others worked at XXXX without any issue. 

I waited for more than 48 hours and it still didnt work, the call center staff again told me I just need to wait for 24 more hours.

This is a pattern with US Bank in deliberately not activating cards properly and holding onto consumer money and hoping they dont ask for it back using regulators. Its either incompetence or malice but deliberate in both cases as they have had these issues for years and refuse to invest and fix them. 

Despite multiple attempts to check registration online, change pin etc. I have been unsuccessful. The supervisor at the call center was also not able to help me out and I am literally out of options. She tried to register and told me it would solve the issue and its still not.

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 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have tried to increase the line of credit on my Capital One cards and I have been rejected several times. I do not want to comprise my debt to credit ratio. If I use a large amount of credit on a low line of credit, then my credit score decreases. Capital One should do a better job in providing a reasonable line of credit increase, especially since we are in the holiday season. I have a XXXX FICO credit score. I get direct mailers from Capital One to open money market and checking accounts, but with this level of treatment that I am experiencing, it will be far fetched.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: Lendmark Financial Services
State: CO

Complaint narrative:
Monday XXXX XXXX, 2020. At XXXX XXXXXXXXXXXX. my mom had tried to pay her loan at Lendmark financial services LLC. They asked her a couple of questions, and proceeded to run a hard inquiry on my credit. Once I was notified that something had happened to my credit I checked and it had said my XXXX  score had dropped XXXX points. I called them and they were trying to say that it isnt going to matter. They also tried to blame a different credit union for the mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
I have contacted First Source Advantage LLC numerous times with dispute letters. After being ignored by the company while they illegally pulled my credit and continued to access my credit file, I contacted the Federal Trade Commission and filed FTC XXXX # XXXX. I sent First Source Advantage LLC another dispute letter by Certified Mail on XX/XX/2020, USPS tracking # XXXX XXXX XXXX XXXX XXXX. The company signed for my most recent dispute letter on XX/XX/2020 at XXXX XXXX. However, it is now XX/XX/2020 and just like all of the other times First Source Advantage LLC is contacted, they never respond. After their committed failures to respond to any dispute letters sent to them. Prior to now, the company was illegally accessing my consumer credit reports and placing credit pulling inquiries on my credit. I became aware of their unethical business practices when I obtained a copy of my credit reports. However, the company still fails to respond to me or any of my dispute letters sent to them. Yet, they still update themselves and the account each month with the credit bureaus. This is unethical and this is done by them on purpose. Their illegal and deceptive tactic is to pull credit, place an account on my credit, all while failing to ever notify me or contact me. And once I found out about their illegal actions and contacted First Source Advantage with dispute letters ; First Source Advantage purposely updates the account each month with the credit bureaus, all while purposely ignoring all of my dispute letters. This needs to stop. Such illegal patterns should not be tolerated or accepted. They are not looking to operate in accordance with the laws of the FTC and FDCPA, they are using every deceptive technique possible to break the laws on purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: FL

Complaint narrative:
I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!

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 2020-11-22 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 upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: NV

Complaint narrative:
I sent a debit valadation letter to General Revenue they continue to try to collect on a debt that is not mine and are ruining my credit on a fraudulent debt. They have yet to validate the debt is accurate and send me proof this is mine. They sent out the notification of debt after they submitted it to the credit bureaus without validating or letting me know I have a debt which is in Violation of my rights as I have submitted proof from the credit bureaus they did exactly that and a dated letter from them after they submitted it to the credit bureaus. I have also attached proof I have no current balance with XXXX XXXX XXXX Nevada ( XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am sending this letter to you in response to a collection notice I received from you on XXXX/XXXX/2020. Be advised, this is not a refusal to pay, but validation is requested. 
I XXXX XXXX dispute this fraudulent account representing a balance of XXXX. 
I do not owe XXXX XXXX  XXXX Nevada as I am in good standing and proper financial aid in place. This is not a valid account under XXXX XXXX. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Please produce all documents relating to the chain of custody authorized by XXXX XXXX XXXX Nevada to collect on the mentioned account. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX  or XXXX  ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
PPC just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for XXXX just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do XXXX for my kids. I asked for PPC to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to ZERO and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!

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 2020-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
Axos bank refuses to send me documentation from the merchant for a disputed transaction. This has been going on over 2 months I have submitted a complaint prior with the same excuse I have contacted the merchant who has told me they processed the refund. Axos bank ither is lying to me and or/ will not dispute the transaction under regulation E then closed my account access so I am unable to verify weather merchant processed credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: OH

Complaint narrative:
XXXX just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for Transition just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do Christmas for my kids. I asked for XXXX to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to XXXX and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!

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 2020-11-22 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: GA

Complaint narrative:
Experian did not investigate an account on my credit profile for XXXX  XXXX XXXX, XXXX XXXX XXXX, and 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Student loan servicer Nelnet, and credit bureau XXXX has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with Nelnet since XXXX. Nelnet is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from Nelnet. The loans are reporting late with a {$0.00} balance. 

I have called Nelnet several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact XXXX, because XXXX  is doing the misreporting. 

I have called XXXX, and have disputed the incorrect late payments with XXXX, but they are stating Nelnet is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, XXXX  would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the XXXX XXXX XXXX. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being XXXX. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2020 I received an email from Chime stating that they closed my Chime spending account. I was not given a reason why nor was advised how to get funds that were in my Chime spending and savings account. I contacted Chime and they said The XXXX authorized the account to be closed. I got in touch with The XXXX and they said they do not have access to my account. So, for a month I've been back and forth with representatives finger pointing but not assisting me with getting my funds from the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2017 Act. # XXXX {$6700.00} There is also a collection agency by the name of " MRS BPO LLC '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX. I was alerted through my email that my credit score had dropped that my credit rating had changed from Good to Fair. My score was XXXX it dropped 33 points to XXXX. As of today on XX/XX/2020, it had dropped again. Making my score XXXX. I have been dealing with this company for at least 7 years trying to solve this myself. Every time i get close to XXXX score arrange is drops drastically for no reason. I believe my information has been exposed to hackers and I can't get no information if my personnel information has been exposed .The company is Experian. They have a branch in XXXX XXXX, Ca XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. I do believe at this branch my information has been EXPOSED. I had spoken with customer service and they had told me I had to seek legal advice.

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 2020-11-22 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: GA

Complaint narrative:
TransUnion did not investigate an account on my credit profile for XXXX XXXX XXXX, XXXX, and 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 2020-11-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Equifax, sent them a copy off this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Direct Home Loans, LLC
State: NC

Complaint narrative:
Dear Sir/Madam : Unfortunately, I need to file a complaint for a Dodd-Frank violation against DHL Mortgage Company in XXXX, NC. I was employed by the company from XXXX,XX/XX/XXXX until XXXX,XX/XX/XXXX I have been a loan originator in the mortgage industry for over 25 years. 

During the final month of my tenure with DHL, the company started paying me based upon their profitability on the loan rather than the loan amount. They illegally punished me for the costly lock extensions that were necessary due to their companys inability to process or close loans in a timely mannermany of these loan applications were taking upwards of 150 days to close due to the lack of loan processing and closing administrators. 

Additionally, they retroactively charged me more than my entire commission for three loans that were prepaid within six months.

I am attaching an email from the president of the company which explicitly outlines these illegal activities. 

I am also attaching a copy of my work agreement with my previous firm, XXXX XXXXXX/XX/XXXX which explicitly outlines my loan payments that were completely in compliance with the Dodd-Frank that states that originators can no longer be compensated based upon the profitability of the loan, only based upon the loan amount. 

I am unaware of whether this practice by DHL is related solely to my loans as an originator or if it is a company-wide procedure for the other 6 loan originators at the company. However, I would like to request an investigation of this matter by you at your convenience. 

Thank you for your time, XXXX XXXX XXXX NMLS XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation