vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: WY

Complaint narrative:
I opened a business checking account at LendingClub Bank, formally XXXXXXXX XXXX on XX/XX/21. After the account was approved and activated, I deposited over a period of a week 8 separate checks in various amounts of between {$5000.00} and {$15000.00}, totaling over {$50000.00}. 

On XX/XX/21 I received an email stating one of my deposits required additional verification and they suspended all access to my account. I could not even login to the online portal. I was asked to provide a paystub to provide additional verification of this deposit and my ID which I immediately followed up by emailing them a copy of the paystub and my driver 's license. A week later I still have no access to the account nor access to any of the funds deposited. 

I have contacted customer service on numerous occasions by phone and email and again today, XX/XX/21, but they refuse to even allow me to talk to a supervisor or bank manager and I get told the customer service agent can not help me. I then requested they reject the deposits and close the account and again, the customer service agent, XXXX, who also refused to provide a last name or any reference to who he is said he could not help with that either. I have no access to my account, I can not even get to login to see what is happening with my funds, I have no access to my funds nor anyway to get to my own money. 

After the XXXX call I finally spoke to an agent who told me the documents I had emailed were in the wrong format and to send a XXXX version and non a XXXX version. But this was not communicated to me in any other

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX representing Midland Credit Management pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on XXXX XXXX and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020

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 2021-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
My boyfriend was laid off due to COVID in XXXX of XXXX. He had been helping me pay my bills including my mortgage. Thus, I was unable to keep up the mortgage payments. I am on SSDI and thats the only money I receive. My mortgage was $ XXXX and I only get $ XXXX. I had had a private disability insurance that ended in XXXX of XXXX. That would normally help to pay my mortgage. But, without my boyfriends help, things went downhill fast! And I had to pay for his bills as well, because he didnt get his unemployment money until XXXX of XXXX and he promptly left me and gave me no money! 
I qualified for a forbearance program, which I had for 18 months. 
I also applied for the loan modification program, starting in XXXX or XXXX of this year. That was such a stressful time! I sent all the required paperwork in. They told me many times that they didnt have it all! Then I would speak with several people who told me they had all the paperwork ( which I knew I had sent! ). 
They had me in tears many times! I FINALLY spoke with someone named XXXX on XX/XX/XXXX and she said my application was complete- it just took a couple of months! ( Which to me was ridiculous and depressing! ). 
In a letter dated XXXX XX/XX/XXXX, I was approved for the trial plan of the modification. I was able to pay the XX/XX/XXXX payment with my sisters help. 
In the meantime, as a retired, XXXX XXXX, I applied for a grant with XXXX XXXX  and I was approved! I received a check made out to Flagstar for 6 months of mortgage payments! I was so excited that I would be able to pay them that money! 
Then, when I spoke with XXXX, employee number XXXX on XX/XX/XXXX, he informed me I couldnt use the check for my trial period! If my sister can help with my trial period, why cant XXXX XXXX? He said he would check with underwriting and call me on Monday, which of course, did not happen! 
I called them and spoke with XXXX who informed me they absolutely would not take the money from XXXX XXXX for XXXX and XX/XX/XXXX! I just dont understand why they wouldnt accept the money ( when do banks EVER do that?! 
I read your article from XXXX of XXXX about some of these very subjects! So theyre either at it again or never stopped even after the reparations they had to make! 
Thank you so very much for your consideration in this matter!

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 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent out numerous letters to the credit bureaus, XXXX, XXXX and TransUnion in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. 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
Consumer complaint received 2021-11-30 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: NY

Complaint narrative:
I have sent out numerous letters to the credit bureaus, XXXX, Equifax and XXXX in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/2018 XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XXXX - My bank issued a payment in full of XXXX to my credit card company. 

The check was cashed on XXXX. 

I have contacted the credit card company NUMEROUS times because the payment has yet to be credited. The company has created numerous tickets, expedited my case, and yet I get no response, no call back. Last Ticket Number is XXXX and prior to XXXX XXXX The credit card company took an autopayment from my bank. 

XXXX The credit card company applied an interest charge of XXXX I have been calling, calling and calling the credit card company, they place me on long holds, transfer me to the wrong departments and this has continued up to the time of this writing. 

I sent an email to the cc company with dates, check number and amount. I asked for a number or email address to send a copy of the cleared check. The email response from the cc company is ..... 

" In order to provide you with the most individualized service possible, we ask that these requests be made through our Customer Care Department. Please contact us at XXXX. Our agents are available 24 hours a day, 7 days a week. We apologize for any inconvenience this may cause. '' I have a letter from my bank that issued the check for XXXX, with front/back copy of the check. I don't know what else to do. The company is not at all helpful

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 2021-11-30 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
i was laid off my job and was diagnosed with XXXX explained that and loan was suppose to be in deferment. Reported late on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I was offered a loan by Lending Club. The loan was approved under account # XXXX with a payment of {$270.00}. The first payment was due on XX/XX/2020. Although the loan itself was a predatory, on the same month of XXXX, Lending Club offered me a XXXXmonth deferral disguised under a scam. I accepted the deferral. However, what I did not know and was not advised of was that my next payment would only go to interests. The deferral ended on XXXX and on XX/XX/2020, Lending Club withdraws the regular payment from my bank account. Of that {$270.00}, they applied {$260.00} to interests and only added XXXX$14.00} to the loan principal. It was until I try to pay the loan, I notice what had happened. I called Lending Club to bring to their attention that I was not aware nor advised that under the deferral, my next payment would almost only apply to interest, and requested the waiver of a portion of the interest amount deducted from my payment. They refused to do so. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX of cross country mortgage have delayed my closing by months because of forms not being submitted properly, not locking my interest rate when I was told it was locked and numerous other factors. I have plenty of text messages of lies and promises from XXXX and XXXX. I have had numerous disclosures that I signed and every time I get a new one my mortgage payment is higher. I have text messages from XXXX stating my mortgage payment will be at XXXX and my final disclosure is XXXX. XXXX and XXXX keep apologizing and keep telling me what I want to hear but I cant trust one thing they say. I was told I will be closing late XXXX by XXXX in late XXXX. I was told by XXXX we were days from closing in XXXX. Most recently XXXX told my wife a form was sent to the state last XXXX  just to shut her up but we found out from the processor that was a lie and it was sent on XXXX. It is now XX/XX/XXXX and we are still not ready to close. These XXXX are not fit for this job. This is the biggest purchase of my life and I cant trust a word these guys say that is not how businesses should be done. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: PA

Complaint narrative:
i was effect by covid 19 and they reported XXXX late payment from XX/XX/XXXX until XX/XX/XXXX on my credit report and will not still remove after goodwill and explain i losed my job due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. 

I am aware of Navy Federal Credit Unions discriminatory practices, as well as their unlawful AND unjustifiable means when making decisions. I initiated a consumer credit transaction and was denied my right to be extended credit through you after applying in good faith which violates 15 USC 1691 ( a ) ( 3 ). The adverse action furnished on my consumer report is proof a transaction occurred, and I shouldnt have been denied for credit. Furthermore, a transaction was completed using my Credit Card as per 15 USC 1602 ( l ) and I the consumer never benefited which violates 15 USC 1602p. The consumer credit transaction was completed when I filled out the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

Not only did this transaction result in an adverse action against myself the Original Creditor, but I also experienced a great deal of mental, physical, physiological trauma causing confusion, XXXX, and sleepless nights with bouts of XXXX and XXXX dysfunction. No one should ever experience what I have experienced when it comes to anything that belongs to them and rightfully so. This is extortion in fact per 18 USC 894 ( 1 ) and regrettably so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX  XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation