vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I went to the XXXX XXXX XXXX TD Bank location on Thursday, XX/XX/2019 after I got out of work to use the atm. Naturally, the bank was closed, so this was the only option. After I deposited my {$78.00} into the atm, it jammed and asked me on-screen to enter the amount of money I put into it. I did so, and it forced the deposit into my account, while printing a receipt for this. The next morning, I wake up and notice that only {$58.00} of my {$78.00} has been deposited. I drive from three towns away to speak to an employee, as the phone number listed on the receipt and online makes it virtually impossible to speak to a real person, and they tell me that machine jams happen " all the time '' and that " they only found {$58.00} in the atm when they opened it up ''. I'm sorry, but should I be held liable because of employee error, or the fact that it could have gotten cycled into the machine unlike the rest of the money and they did not look and consider this? Furthermore, couldn't it have been possible this happen to other people the same night before me, as this " happens all the time '', and there were multiple transaction errors? Instead of providing me with any assistance, this employee make it clear he wasn't going to do anything about this, and walked away to the other end of the store to make someone else deal with it. I have not been provided with a proper deposit slip as it says " error '' online, and the one I have clearly is not that if they didn't give me the amount printed on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Student loan through Navient. 
I have 3 loans, 2 with lower interest rate, 1 with a higher rate. Payment plan is automatic at {$1300.00} per month ; {$830.00} to the lower interest loans and {$470.00} to the higher interest loan. 
I made an additional {$1000.00} dollar payment directed to the higher interest loan XX/XX/2019. This was done specifically to pay off the higher interest loan faster. 
On the following 2 months of auto-pay, the monthly {$1300.00} changed in distribution to {$1100.00} toward the lower interest loans and decreasing to {$170.00} toward the higher interest loan. 
This obviously negates my ability to pay off higher interest loans faster than lower interest loans. It is not much money difference to me, but I doubt this practice is legal and when applied to numerous customers it probably adds up to big money for Navient. I would be happy to be a part of a class action suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Greetings, On XX/XX/XXXX XXXX XXXX XXXX XXXX ( vendor ) charged my Barclays XXXX  credit card {$1800.00} by mistake. On XX/XX/XXXX XXXX XXXX XXXX refunded the {$1800.00} and sent me the receipt. 
10 business days later Barclays my credit card company will not take the charge off my statement. I have Called customer service several times and faxed the refund receipt to Barclays. The customer service rep on the phone even acknowledged that Barclays has received the refund from the merchant but still will not remove the charge from my statement. Thus I have put the charge into dispute a week ago. 
Case # XXXX card ending in # XXXX I would Appreciate any help on the matter. 
Barclays credit card customer service 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 monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Portfolio recovery assets threatened me in XXXX of 2019 to adversely effect my credit with putting false info on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting for the many hard inquiries associated with Capital One Banks, credit line of increase to be deleted off my credit report. As they have admitted to having technical issues due to this overdraft line of credit that I have applied for and was approved on XX/XX/XXXX. I was told by a representative and also the security department after verifying my identity, that the overdraft line of credit should work. I proceeded to continue online with the process and the system pulled my credit again. Which added another hard inquiry. I called in again and spoke with the security department and I was told the security restriction was released after verifying my identity again. I proceeded to continue the process and I received another alert that my credit report was pulled again by this bank. Each time being approved but not being to access it. This issues is not my fault and after waiting several weeks this issue is still not fixed. So I am requesting for the overdraft line of credit increase to be cancelled due to the inconvenience and any hard inquiry associated with this credit line of increase, to be deleted off my credit report with XXXX. Attached is a document of how many hard inquiries are showing on my credit file. A previous dispute was filed and I was told this company would respond by XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I took out a {$300.00} payday loan in 2018. I had no idea that the interest rate would put the amount owed to almost {$2000.00}. I can make arrangements to make payments on the amount that I borrowed but the extra {$1500.00}, is impossible for me to pay. I am a XXXX XXXX XXXX XXXX  veteran who is XXXX XXXX XXXX XXXX so being on a fixed income, this extra is impossible and seems to be illegal. Isnt there a cap on the amount of interest a company can charge. Help me please. The originator of the loan was Speedy cash now XXXX XXXX has taken over. Any help is appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: MI

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. Recently my husband passed away. Our account at the XXXX XXXX  XXXX XXXX XXXX XXXX was a joint account under my husband 's name. I was trying to open a new checking account under just my name and was told I could not because Experian stated I was a minor. I am XXXX years old, not a minor. I tried multiple times to get a live person from Experian on the phone because none of their automated choices were correct. I finally got to a live person. They told me I had to go to the website and upload documents proving my age and address, including a birth certificate or drivers license, and bills with my address. 

I have tried multiple times. First I was told that for no reason they couldn't process the request and I had to mail in my request. I tried again, next I was told they couldn't accept my documents because they only take PNG or TIFF documents. So my son converted my documents to a TIFF file and we uploaded them again. ( My son  informs me that these are less common file types, there is no reason why a gigantic organization like Experian shouldn't be able to upload a JPEG file like every other website can. ) When we tried to upload the documents again, now it says it can't upload color documents and we must convert the document to black and white. They asked for a picture of my drivers license, which is in color and now are saying they can not upload an accurate photo of a license. At every step Experian has gone out of their way to avoid contact. They make it nearly impossible to get a live person, then they make it impossible to resolve the dispute over the internet. For some reason they seem to only want to do business by mail. This is their mistake, I have had credit since the 1950s, and yet they are claiming I am a minor, yet I am the one being forced to jump through hoops when they should be the ones trying to fix their error. Please advise me on how to fix this.

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 2019-11-03 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: VA

Complaint narrative:
Transunion is lowering my credit score based on FALSE INFORMATION. They are reporting a score of XXXX, which is 67 points lower than my XXXX score of XXXX based on the same information in my file. 

I am disputing the following negative factors that Transunion is basing my score on : 1. They are lowering my score based on inaccurate claims that I am " adding and removing remarks '' to my mortgage account XXXX/XXXX XXXXXXXX. I have NEVER made nor removed any remarks on this account. ( See Attachments A, B, C ) 2. They are lowering my score by claiming that the car loan I opened in XX/XX/2019 " Is negative since I've only had it a short time ''. This has nothing to do with creditworthiness. They do NOT acknowledge that I have paid off 53 % of this loan already, which is a POSITIVE FACTOR to do with creditworthiness. 

3. Transunion is lowering my score by claiming that a {$500.00} balance on my credit card which has a credit limit of {$9300.00} is " using a large portion of my credit ''!! I am only using 5 % of my credit limit. This is a POSITIVE, not negative factor! 

4. Transunion is lowering my score by claiming I have ONE hard inquiry for the auto loan which should equal no more than 5-7 points off my score 5. Transunion is lowering my score by suddenly claiming my Credit History is only 4 YEARS, when it is 29 years old. 

NONE OF THESE SO-CALLED NEGATIVE FACTORS JUSTIFY A 67 POINT DECREASE FROM MY OTHER CREDIT SCORES! The ONLY legitimate negative is one hard inquiry, which does not justify a 67 point drop. 

Attachments : A - XX/XX/XXXX point drop based on " remarks made '' which were never done B - XX/XX/XXXX point increase based on " remarks removed '' which were never done C - XX/XX/XXXX point drop based on " remarks made '' which were never done D - FICO scores for XX/XX/2019 from XXXX ( XXXX ) & XXXX ( XXXX ) E - Transunion FICO score for XX/XX/2019 showing XXXX and showing 4-year credit history which should be 28 years Information retrieved from a credit monitoring site shows I have No Negative Factors in my credit reports. It also shows that Transunion 's records show my credit history to be over 18 years. Transunion is fabricating negative factors that do not exist and denying me the high score I deserve based on my near perfect credit factors. 


.

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 2019-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In early XX/XX/XXXX, I filed a complaint against Navient because they refused to lower my monthly payments, even though my wife and I both have student loans to pay back and we have other bills we have to pay. Navient responded a few weeks ago, stating that they could not lower my payment and the calculations are correct that my monthly payment is around {$270.00}. I went to pay my student loan for this month, and my payment is now up to over {$300.00}. This is absolutely unacceptable and ridiculous. They swear up and down that the calculations are correct, and yet they raised the payment amount. This is fraudulent and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CHECK HOLD BY WELLS FARGO FOR A DEPOSITED CHECK FROM XXXX XXXX CHECK HOLD VIOLATES WELLS FARGO CHECK HOLD POLICIES CHECK DEPOSITED XXXX XX/XX/2019 REASON GIVEN TO ME FOR CHECK HOLD : WE HAD TO BE SURE WE GOT THE FUNDS FROM 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 2019-11-03 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On the early morning of XX/XX/XXXX, I received an alert via the Barclays app of a transaction on my wifes card I didnt recognize. I proceeded to block the card at that time, the next day the following transactions were on my card : XXXX # XXXX XX/XX/2019 {$24.00} XXXX # XXXX XX/XX/2019 {$30.00} XXXX  # XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$340.00} XXXX XXXX # XXXX XX/XX/2019 {$26.00} The next day, I received a call from Barclays in which I confirmed which transactions were fraudulent. We have never bought anything from the stores above, nor do we live nearby those stores. 

After talking to Barclays, they said they would be reversed those transactions from my account. However, after 3 days, the transactions were applied to my account. After contacting them again, they said they have deemed the transactions to be valid and they have closed this dispute without further explanation.

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 2019-11-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent this letter to the credit company stating that the collection agency has cancelled the debt and it should no longer be reporting but they refused to remove it from my credit 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 non-monetary relief
Consumer complaint received 2019-11-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have sent this letter to the credit company stating that the collection agency has cancelled the debt and it should no longer be reporting but they refused to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I was using a myvanilla card for my ex-pats NY state. They will not release my funds. I am on Social Security disability. The finds will not be released after I have submitted a copy of my drivers license and signed social security card. I had a friend put cash on the card and they will not release the funds after I called them twice and submitted the requested documentation twice. My name is XXXX XXXX XXXX. I received an auto-response email both times I submitted my claim. Now I am receiving notices from XXXX because they won't release my money. The first call was made on XX/XX/XXXX the second XX/XX/XXXX. I don't understand how I used cash money and they can refuse to release my funds. If I can no longer use their service fine but return my money. I can be reached email : XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On my credit there is a midland funding. I have never done business with these people. They tell me this is a closed account. I should not be on my credit record or anyone else 's, yet it is. Reporting just 2 weeks ago. I have never done business with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I legally changed my name and gender and my credit has been tanking ever since and I can not get any loans or creidt. Background checks, credit checks, credit scores, etc all show under my old legal name and gender and despite contacting them for over a year now, nothing has been updated and my credit is still 100-200 points lower than it was with a name that is not updated. I do not know what else to do! Please assist.

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 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding is trying to collect a debt for me that I do not all they are using a company named Resurgent Capital to do so. I have contacted them by mail letting them know that this date is not mine I have been a victim of identity theft on multiple occasions and I have forwarded them my Federal Trade Commissions report. They are reporting the debt on my consumer report which is affecting my creditworthiness and livelihood. I have done everything in my power to prove to them that I did not initiate any debt but they will not stop at trying to collect at this point I dont know what to do. 

LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX or XXXX XXXX XXXX XXXX # XXXX XXXX South Carolina XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: LEXISNEXIS
State: NC

Complaint narrative:
LexisNexis is reporting inaccurate and unverified information in several of their consumer reports associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for Chase card for myself only. Chase opened an account for me and my wife ( who does not want anything to do with Chase based on her past experience with Chase ). In the application, no information about my wife was provided.

When the new card account was created, it appears that Chase never closed my past accounts and retained all the information. It feels like they are storing private information on all who come into contact with them indefinitely. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
Since XX/XX/2019 contract callers has placed four derogatory accounts on my credit report. Im not aware of this company and how they got my credit information and they continue to impact my credit with their multiple reports. They say I owe {$540.00}.

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