vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have a pending deposit of XXXX coming from my ssdi check, which is direct deposited. Any other time, such as with XXXXXXXX XXXX check my money is available on the Friday beforehand. My account is already overdrawn. I have yet to receive access to my funds based on navy Federal credit union internal policies regarding ach deposits and access to those. 
Questions ignored by the representative I spoke with : did y'all change the processing times ; are y'all behind because of the holiday, why is it being treated as a paper check based on funds availability. Legit was told that the holiday would Delay access to my direct deposit. So now it's the holiday weekend, the XXXX of the month, & the last part of the year & somehow my money isn't my money. This is domestic terrorism. I recently had a negative interaction at a food shop with someone claiming she was navy across the street  from the bank and 3 weeks later? This. Believe she's a banker. XXXX hair. XXXX cut.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris and Harris in XXXX illinois listed multiple accounts as in collections on my credit report. On XXXX I called to resolve the accounts. They told me I owed different amounts than what they have reported. They also told me one of the accounts they have no record of and when I told them to have it removed they told me its not their problem and I would have to get it removed on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
My Equity Line of Credit ( Mortgage ) was transferred from XXXX XXXX on XX/XX/21 to Specialized Loan Servicing LLC. I have spoken to SLS reps on XX/XX/21, XX/XX/21 and today - XXXX.SLS has no record of my payment cashed by XXXX on XX/XX/21 of {$700.00}. Also my payment of {$760.00} sent to XXXX on XX/XX/21 has not been cashed. Per an SLS rep on XX/XX/21, XXXX sent this payment via XXXX to SLS on XX/XX/21. 

The amount of the scheduled monthly payments on my new SLS invoice is {$490.00} which should be {$760.00}. 

SLS claims that I am 65 days past due, when I was current with my payments and have been for years. 

I have forwarded the documentation attached below to SLS. The Rep on my XX/XX/21 call confirmed receipt of the email. 

I have been promised call backs from SLS supervisors within 24-48 hours on XX/XX/21, XX/XX/21, and XX/XX/21. I have received no call backs from a supervisor to date. 

I will continue to attempt to resolve this with SLS, but I am beginning to be doubtful that they will respond. I have documentation from my last XXXX bill and from my bank confirming the payment made. 

Thank You 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 explanation
Consumer complaint received 2021-12-31 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: NY

Complaint narrative:
on my recent Dispute with the Experian on XX/XX/2021 requesting proof showing that the account that is being reported on my credit report by XXXX is accurate. Which they have 15 days to do so I did not receive any document from Credit Bureau Experian showing how they had verified the reporting by the Creditor XXXX XXXX Experian have failed to adhere to guidelines put in place to protect accurate reporting at all times. I reported this to CFPB on XX/XX/2021 when Experian responded by sending result, they said verified with submitting what I requested.

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 2021-12-31 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: NY

Complaint narrative:
Fraud inquires that are not mine i have disputed these before Equifax REFUSES TO DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On or about XX/XX/XXXX, I opened a checking account with Capital One in response to a promotion whereby if I had two direct deposits of {$250.00} or more within the first 75 days from opening the account, I would be credited with a bonus of {$150.00} no later than XX/XX/XXXX. I did not get the bonus and called. I was told this was because I had previously had a checking account with Capital One as of XX/XX/XXXX, and was therefore disqualified. I had no recollection of ever having such an account and checked my records. As I recall in XX/XX/XXXX I was looking for a new checking account to deposit checks by mail since my local banks were closed to walk in customers. I was only interested in checking accounts that provided postage paid pre-addressed envelopes since I do not like paying postage for deposits by mail. I reviewed a number of offers and called Capital One and asked specifically if Capital One provided postage prepaid self-addressed envelopes for deposits by mail. I was told that they did and opened an account. Shortly thereafter I was still reviewing new checking accounts online and saw that Capital One did not offer those postage prepaid envelopes. I therefore called Capital One and they confirmed they did not offer such envelopes. I told them to close the account since I had been misled. I never made deposits to the Capital One checking account, nor ordered checks, nor did any transactions. I hardly think this qualifies as having a Capital One account especially since the opening was procured by fraud. That is, I would never have opened the account had I known they did not offer postage prepaid envelopes. Regarding the bonus offer for {$150.00}, I came to Capital One in good faith and fulfilled the requirements and should be rewarded with the {$150.00}. I have been a satisfied customer until they reneged on the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
Company close my account without reason left me stranded without access to my funds I cant even buy diapers for my son I cant take money out or stop my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I applied for the Apple Card from Goldman Sachs Bank and my application was denied. I couldn't get a clear answer from the company as to why. In the denial email they sent me there was just a general statement that my monthly debt obligations are too high, and then it listed that it used my XXXX credit report, where my credit score is XXXX out of XXXX. I do not have high debts. I have no student loans, no auto loans, I'm not behind on any payments, and I have no negative marks. XXXX confirmed that I have a great credit report and all of my accounts are in good standing. I couldn't get anyone at Goldman Sachs to clarify what it is about my credit report that would cause them to deny my application when my credit score is so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have tried to settle this matter and XXXX XXXX XXXX have ignored every request for verification dated in 2018 XX/XX/XXXX asking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I opened a care credit card to help with vet bills when my dog got sick. There was a promotion of no interest as long as I paid in full after the 12 months. I submitted payments monthly and was under the impression I had everything paid off in XXXX. I did not hear from the company til now that there was a balance of {$310.00}. When I asked to clarify where the charges came from as I had paid everything off they stated that I still owed over {$45.00} on the statement and now had accrued late fees of {$29.00} and interest finance fee of {$180.00}. I asked for an explanation of the charges as the amounts were not adding up correctly. Even the associate trying to assist couldnt account for finance fee or give me what the ending balance at the end of the XXXX statement was. I explained I have made a payment each month and paid it off in XXXX which is why there was no payment made in XXXX. She removed the late fee and small finance fee of {$6.00} which was appreciated but again neither her or her supervisor could account for why the amount was still high which raised some flags for me. When I asked to dispute the charges they stated because I opened the account on a promotional special they were not able to. I am in the process of raising my credit score to buy a house and did not want this in collections as it would affect that process so I did make the payment which was brought down to {$270.00} to avoid accruing more fees since the company told me there wasnt anything I could do to dispute it and they couldnt remove any fees. I explained to them if I owed the money I understand I had to pay that wasnt the issue. The issue began with all these fees and amounts that they could not clarify for me started not adding up. When I tried logging into my account to see where the monthly statements no where on the account can I pull one up. It only shows the current balance now owed ( {$310.00} ) and past payment history. Now I ask for help in looking further into the issue as the finance company wont provide me with 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 monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXXXXXX, 2021 I recieved an alert from Transunion that I had a collection item from XXXX XXXX XXXXXXXX XXXX for a debt owed in the amount of {$540.00}. I never recieved a notice from XXXX XXXX XXXXXXXX that a debt was owed, it just appeared on my credit report. I called XXXX XXXX XXXXXXXX on XXXX and paid the debt in full and was supplied a letter from the creditor that the debt was paid in full and they agreed to remove the item from my Transunion and XXXX credit file. I spoke with XXXX XXXX from XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX and XXXX and was advised that the request for deletion was sent 2 times through the system called E-Oscar with a control # of XXXX. I was assured this would be removed within 24-48 hours. As of XXXX Transunion has not deleted it. I have called Transunion several times and get nothing but a bunch of runaround with them foreign XXXX reps that dont know a XXXX thing. However, I plan to file a civil lawsuit against Transunion in the sum of {$500000.00} for negligence and absuse to keep my credit tarnished after a creditor has asked numerous times for it to be removed. It has been made very clear that the reps do not care and do not listen to anything that a customer tells them.

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 2021-12-31 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: IN

Complaint narrative:
XX/XX/31 : contacted equifax about a hard inquiry that I didnt authorize from XXXX XXXXXXXX XXXX XXXX They told me to contact XXXX XXXX XXXXXXXX at the number on the credit report and when I did it constantly rang and was never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on 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 explanation
Consumer complaint received 2021-12-31 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: U.S. BANCORP
State: PA

Complaint narrative:
A rather unique situation occurred on XX/XX/2020. My brother in law used my desk top to apply for a credit card with US Bank. My information auto populated and he submitted the application. I wrote US bank informing them the application was submitted in error and to remove the inquiry from my credit report. US bank responded that they would not remove and if I believe my identity was taken to contact their fraud department. I responded with the letters enclosed with a signed statement from my brother in law that he made an error and proof that he has a XXXX XXXX XXXX XXXX. And again, to please remove the inquiry.

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 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: VA

Complaint narrative:
Our XXXX account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the XXXX account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the XXXX account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to XXXX. Now we have gotten a collection letter from American Coradius attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed XXXX account # XXXXXXXX XXXX XXXX account number XXXX ( XXXX XXXX XXXX ) American Coradius International account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX of 2021, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There was a Discover loan account opened up in my name. I immediately notified Discovers fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Ive been in contact with several people at Discover ( XXXX, XXXX, XXXX ID # XXXX ). XXXX informed me that Discover was mailing the fraud packet to the wrong address although my address is clearly written on all my correspondence to the company. Discover continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, Equifax and XXXX about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent you all a correspondence via U.S. Mail XX/XX/2021 in regards to an inquiry that was reported to my credit report and you all received it on XX/XX/2021 @ XXXX. I also filed a CFPB Complaint which was submitted XX/XX/2021. You all did not respond through the CFPB, but I did receive a letter from you all dated XX/XX/2021. In my correspondence that I initially sent you all, it included a notarized Affidavit of Truth. An Affidavit of Truth is a statement of facts which you have to respond to lawfully point by point called a rebuttal. You all have not included this in your response, therefore my Affidavit of Truth stands and you must comply. You also stated in your response " your written authorization may not be required to constitute permissible purpose '' and please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. This is false. Pursuant 15 USC 1681a ( 2 ( b ) ), a hard inquiry should be excluded from a consumer report and pursuant 15 USC 1681b ( 2 ), written instruction was never given to you all to reflect a hard inquiry to my consumer report which is my right to do so. You all also allowed XXXX XXXX XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). This is federal law that you all have been in violation of. Again I am asking that the invoice ( in the amount of {$3000.00} ) you received on XX/XX/2021 ( which was due on receipt ) is to be paid to me as a remedy in the form of a check due to you all being in violation of my rights as a federally protected consumer under Title 15 Chapter 41.

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
At the end of XX/XX/XXXX I opened checking/savings/credit card account with CitiBank. 

The intent was to consolidate multiple accounts into a single account at Citi. 

To maintain CitiGold access I needed a minimum of XXXX in deposits. 

The XXXX was primarily going to come from a roll over 401k. 

On or about XX/XX/XXXX I spoke with XXXX XXXX at Citibank who informed me that Citi did not have the ability to transfer a 401K. 

As I was now unable to maintain the min XXXX balance required for citigold, I started moving approximately $ XXXX to XXXX. 

On or about XX/XX/XXXX Citibank froze my accounts with approximately {$5000.00} remaining. 

I called on XX/XX/XXXX and was told my account had been closed and I should expect the {$5000.00} in about 60 days. I need this money to pay bills. 

I need the {$5000.00} returned to me immediately. 

Thank you.

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