vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient is violating the Debt Collection Rule under the Fair Debt Collection Practices Act that was issued on XX/XX/XXXX. 

Navient has called me 9 times in a 7 day period and twice in the same day *after* speaking with a manager ( XXXX ) about the debt. The manager also threatened to send the matter for litigation before my supposed amount of time and stated I should really look up what default means and then proceeded to state " I can see you own a home '' - as in she was threatening the home I own but also threatening the 2 other people on the deed, this is a continuation of the harassment I have been receiving from Navient. They are also violating my state 's ( Connecticut ) 2 Party XXXX law when I have repeatedly stated I do not consent to being recorded- multiple Navient employees have ignored me and have even made statements such as " by you staying on the line that is consent '' - which of course is very false. Navient has stated to multiple agencies they have not violated this law, except - call logs show extended time on the phone and of course ... .there are recordings. I have been hung up on, Navient sends me emails stating I have a " dedicated account representative '' even though that person has never once contacted me and when a Navient employee calls and I state I was told I have a " dedicated account representative '' they ignore me. 

The attached will show Navient calling me from a NY based phone number as well as their manager calling me from a DE based phone number. 

All calls stated below were answered by me except the XX/XX/XXXX XXXX but that was placed in the same day that I picked up earlier in the day. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after ending the call with the manager, another XXXX conversation with an employee ). 
XX/XX/XXXX = XXXX XXXX XXXX XXXX this makes the 3rd in one day, and I expressly asked the employee on the XXXX call if I was going to be called again at night as it was apparent Navient placed me on a 2 call per day harassment schedule - one at the XXXX hour and the other at XXXX hour, does not matter if I picked up an earlier call or not. 

XXXX Navient has violated this rule once before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: FL

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. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act XXXX. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
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

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Credit Card A new card was opened {$4500.00} XXXX I contacted to provide legal and personal information to open said card. The card was opened however I was no longer going to activate it once received. 
I had to unfreeze my credit report to open this card - I keep my account locked to prevent fraud. 

I subsequently requested a replacement card for the current card I already had - {$15000.00} limit. 

I received a notification on XX/XX/XXXX stating the newest account was closed. I understood and took no further action. 

I activated my replacement card the same day as my newest account was closed. 

No other communication was received from XX/XX/XXXX to XXXX in relation to my already open account of 3 years. 
on XXXX I received a notification that I needed to activate an 5 % cashback offer on my account. 
Hours later on the same day I received notification that my account had been closed. 
When I contacted the company they said they had no notes other than a business decision. 
I advised them of the XXXX credit card act that requires 45 day notice of major account changes such as closure - not including inactivity. 
Policy is 1 year of inactivity places your account as subject to being closed - my account was less than 30 days active with the replacement card. 
This has negatively impacted my credit score as that was a XXXX credit line decrease and it lowered my open credit history by removing a XXXX XXXX XXXX account. 

The company stated they called me once- in XXXX- I do not have a record of the voicemail they stated they left. I did not receive any letters or emails related to the card already in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In a nutshell, Barclays is incorrectly reporting a 30-day delinquency to the credit bureaus and has refused to remove it. Minimum monthly payments had been set up since the card was opened in 2009, but fell off without my authorization or knowledge and caused the late fee ( that they refunded and then lied about, saying it wouldn't affect my credit ). 

This whole situation is straight-up fraud and not ok in the slightest - especially considering I was a loyal customer for 13 years who made every single payment on time and paid the card off in full several times. 

Barclays is a disgrace and I will NEVER do business with them again in any regard and I will urge everyone I know to stay away from them too. This is not how you treat people and I am at the end of my rope trying to get this situation resolved. It's affecting my credit when I have done everything right to protect it over the last 30 years. NOT OK! 

I have contacted Barclays no less than 3 times with urgency to get the full year of statements prior to closing the account to prove that I always had autopay turned on, but no one is getting back to me. If I don't hear back from someone to get this resolved and the mark removed from my credit reports, I will sue. None of this is ok. It's fraud and negligence and it is affecting my livelihood. I will not stand for 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
It was fraudulent activity.. my account was opened, deposit accepted, and closed within 48 hours, for reasoning that should have been vetted during the application process when a hard inquiry was pulled against my credit.. 
I want my deposit returned expeditiously. If I wasn't qualified the process should not have made it this far. 

XX/XX/XXXX I applied and was accepted for a secured credit card... 
Upon acceptance nothing was mentioned about last account balances it derogatory accounts, hence I was accepted and not denied. I was only told to make my deposit prior to XX/XX/XXXX On XX/XX/XXXX I made a XXXXXXXX XXXX deposit By XX/XX/XXXX I had yet to receive any communication about the account or deposit, I called customer service. 
( Phone calls included in attachments ) The representative told me the account was still waiting for the deposit to complete, although it was completed immediately by my bank, see attachments. 

I called again XX/XX/XXXX this time the rep could see the deposit, said my account **** was created my card was created and I should receive it by Friday XX/XX/XXXX at the latest. 

XX/XX/XXXX I called again because I could not log in to my online account due to old phone numbers being used for the 2 step verification. A representative helped me update my account **** and login. 
My new account was visible XXXX XXXX XXXX XXXX XXXX rewards XXXXXXXX XXXX  credit limit .... The representative asked if I seen a link to a digital card, I did not, she said it could take a day or two to pop up. 

XX/XX/XXXX I logged into my online account and my new account ending in **** was showing restricted ( see attachments ). I called again... I first told the deposit was never received that's why the account was closed.. after escalating departments I was told the account was closed due to spending usage beahviors that don't meet capital ones expectations... Which was irrelevant because I had yet to receive a card and there was no transaction activity on the account. I was told to contact my bank in regards to the deposit. 
I did so, the transaction was successful and complete according to my bank. 

XX/XX/XXXX same da, I call back only to be told the account was closed due to a previous balance from over 6 years ago.. my deposit will be refunded after 2 billing cycles ( 60days ) and it would be mailed to the address on file. 
I included the phone call dates and timestamps so that recorded conversations via capital one can be recalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, my cell phone was hacked by someone posing as an XXXX XXXX representative. I called their number obtained from XXXX search. I was immediately asked to download an app, Anydesk Remote Desktop, to allow them to check my phone to determine why one XXXX XXXXc and Arcade games were not working with my XXXX TV account. Halfway through the call, I was asked if I had a Cash App and if it would be used to validate my authenticity. So codes were immediately texted to my phone for me to enter into my Cash App account. After questioning why this needed to be done, I was told suspicious connections had been established on my phone. So I thought that they needed the information to remove those connections. When I continued to ask questions, the call ended immediately, and the two pending transactions in my Cash App were no longer pending. 
An {$1800.00} fraudulent transaction was also processed using my Cash App. My local bank has temporarily refunded that amount pending further investigation. 
Before XXXX, there were two pending transactions ( {$100.00} received on XX/XX/XXXX and {$150.00} received on XXXX ) in my Cash App. 
I immediately contacted Cash App XXXX to report what had happened and submit a claim. They investigated and determined that I had authorized someone to use my credentials. On XXXX, I contacted Cash App XXXX again and asked if I could share documents to substantiate my claim, but they never responded to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
This is not a car dealership complaint. This is a Hyundai Corporate complaint. 

My wife and I decided to buy our leased XXXX XXXX XXXX in XX/XX/XXXX, and we were approved for a car loan for the buyout amount of XXXX. Our Credit Union mailed the check and odometer/mileage disclosure statement to Corporate Hyundai Finance and waited for the title and bill of sale to be sent to them, so I could register the car and pay the sales tax at the Rhode Island DMV . When nothing ever came after a month, I called Hyundai and explained the situation, and they told me it was sent, but the credit union said nothing ever arrived. I called numerous times about the status of the title and bill of sale and was transferred to different people, even being hung up on by customer service when I pressed for more information. The credit union then got involved by calling Hyundai and received the run-around about how the title was sent, which it was not, and even they were hung up on by customer service. After another month and numerous calls, Hyundai sent a " letter of no interest '' to the credit union, and we thought the DMV would accept it. When I went to the DMV to register my car, that letter was rejected, and they told me that according to the law Hyundai has to send the title to the bank along with an updated bill of sale. If they can't find the title, they would have to request a new copy from the DMV and then send that with the bill of sale to the credit union. As of today, XX/XX/XXXX, 8 months later, the bank still hasn't received anything and my options are few, and I need some major help. I sent a letter with accompanying documents on XX/XX/XXXX, explaining the entire situation to Hyundai Finance, and wouldn't you guess, the letter seems to have never been delivered to them. I am going to send out more copies of that material to every department I can find to see if anyone can help. After doing my research, it seems this is a tactic Hyundai has used on hundreds and hundreds of people. My registration expires in XXXX, and I find it incomprehensible that Hyundai would partake in this kind of business practice.

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 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Received alert on XX/XX/2023 that a collection has been placed on my account from Amsher

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
AFFIRM - ( XXXX ) loans. 

All AFFIRM loans payments were made on time until : a. ) AFFIRM closed the loans including my online access to my account for the loans ; b. ) AFFIRM excused me from making further payments ; c. ) AFFIRM stated they were not able to verify the loan. 

My online acct access was terminated. I am still unable to sign into my acct online since XX/XX/XXXX. 

AFFIRM has as of TODAY XX/XX/XXXX - ( and not XXXX  when the loans were supposedly active ) - placed a derogatory report with the credit bureau. 

AFFIRM has for each of the ( XXXX ) loans reported : PAID/CLOSED/NEVER LATE in XXXX and XX/XX/XXXX. ( see attachments ) AFFIRM today, XX/XX/XXXX, reported charge-offs for loan accounts which ARE NOT MINE. ( see attachments ) QUERY : If the loans were not paid on in XXXX and XXXX, why was there no reporting activity to the credit bureau, with only today 's derogatory report for each of the loans. 

My loans were for ( XXXX ) year, and were opened in XXXX and XXXX. My loans were for less than {$200.00} each. All loan payments were made on time. 

I am unable to access my accounts on AFFIRM.com, and have not been able to access my accounts on AFFIRM.com since the loans were FORGIVEN by AFFIRM in XXXX. 

My loans were FORGIVEN by AFFIRM in XXXX and I was RELEASED from these loans in XXXX. No contact attempt by AFFIRM was made after XX/XX/XXXX. 

All attempts to discuss this matter with AFFIRM were closed down by AFFIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MD

Complaint narrative:
XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional 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 non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I purchased two phones from Google through their online store and financed the purchase through Google 's Credit ( which is really XXXX Bank ) to which I have been paying off with my XXXX credit card. I returned the phones, Google confirms they received the phones in good condition and will issue a refund in up to 14 business days. It has been over a month. Hours were spent talking to Google Support, then sent to Google *XXXX Support, to have to repeat the story to a Synchrony agent only to then be shuffled back to a Google Support XXXX. Truly a nightmare. 

I have been purchasing Google products for years and never had a problem up until now because I had to return something. There has been zero refund to my credit card, Google XXXX account ( which I'm still making payments on!!!! ), or Google account. You would think after buying XXXX phones from them they would want to help you out. It's honestly shocking how awful Google has fumbled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Or list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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