vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX University in XXXX XXXX, VA from XXXX to XXXX. During that time, I received yearly student loans to pay my tuition. After I graduated, I got a deferment from repayment. Unfortunately, in the 18 years since I graduated, I have lost my original loan paperwork and I don't remember exactly when I started to repay the load. 

Currently, my student loans are serviced by Navient. I started working for the federal government in XXXX. Shortly after that, I had my school loan payment automatically deducted from my paycheck. I retired in XXXX of XXXX and contacted Navient in XXXX of XXXX to find out how much I still owed on my loans. 

It was very difficult to get an exact accounting of my loan history from Navient. They sent me a two-page history of my loan payments for the years XXXX through XXXX. In addition, they sent me a very confusing printout of my loan activity beginning in XXXX. They did not explain the reasoning for how my loan payments were being applied before XXXX. 

Also, it appears my principal loan amount changed over the years. On one of the Navient reports it says my original loan amount was {$80000.00}. On that same document, it says my original loan amount was {$84000.00}. In the report they sent me that covers the years from XXXX to XXXX ( although the years XXXX to XXXX are very confusing ) it shows that I made payments every month by automatic deduction from my paycheck in amounts varying from {$310.00} to {$380.00} per month. Because the report is so disjointed, I can not be sure of the exact amount that I have repaid so far. Nonetheless, my calculations indicate that I have paid more that {$32000.00} on my school loans. However, their report shows that I still owe {$80000.00}. In other words, despite my re-paying more than {$32000.00} on this loan, my principal has only gone down about {$4000.00}. 

When I took these school loans it was my understanding that these were low-interest loans guaranteed by the federal government. I know many people have defaulted on their school loans, but I am not one of those people. I paid the required payment every month for many years. I just want my original loan amount calculated correctly and repayment be made fairly, in accordance with the intention of the loan programs. It seems to me that Navient has abused its responsibility to the students and the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems is stating that i have a debt of {$760.00} from a past XXXX bill. I do not remember opening this account if i did the amount stated is incorrect. I want to request a copy of my signed original contract, Please Validate And delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3.XXXX is not mine 4 XXXX XXXX is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : EQUIFAX, XXXX AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, XXXX XXXX has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for XXXX XXXX to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I co-signed a private student loan my daughter took out through XXXX XXXX. She took out another loan which her mother cosigned. Her mother and I divorced years before my daughter took out the loans. Wells Fargo bought XXXX XXXX Without my knowledge, Wells Fargo combined the loans my daughter took out. I was paying off the loan for which I cosigned and discovered Wells Fargo 's move. I contacted Wells Fargo several times and was told the error was corrected. This was many years ago and I heard nothing more from them., Recently I received a letter from Wells Fargo stating they were transferring their student loan division to XXXX XXXX and indicated I was still responsible for a cosigned loan. Given my conversation with Wells Fargo was many years ago, I shredded all the documents from XXXX and Wells Fargo. I have also received a letter from XXXX with an amount. This is not XXXX XXXX 's error but Wells Fargo.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3.XXXX is not mine 4 XXXX XXXX is not mine

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 2021-05-13 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:
These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3XXXX is not mine 4 XXXX  XXXX  is not mine

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXI never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
My mortgage loan is currently backed by XXXX XXXX, owned by XXXX XXXX and serviced by Dovenmuehle for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the CARES act. 

To summarize my experience, I have called in to both the Customer Service and Loss Mitigation departments scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the Deferral in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the Deferral had finally processed, but then saw that XXXXDovenmuehle had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX/Dovenmuehle are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Paid for an appraisal did not recieved a copy. Loan didnt go threw. Problem with loan well is not on financed property. So the bank has a house financed and there is no water. The bank should of have appraiser add another parcel with value and add to financed parcel. I asked for appraisal never recieved. Ask for money back and they would not respond ....????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP

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 2021-05-13 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:
Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX  XXXX  from birth 2.my address has always been XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  FL XXXX  3.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP

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 2021-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
Specialized Loan Servicing ( SLS ) is claiming to control the rights to collect on alleged debt # XXXX ( see attached ). They are claiming that this relates to a HELOC that was originated on XXXX with XXXX XXXX XXXX. The original and correct XXXX XXXX XXXX account number is XXXX. The account numbers do not match in order to prove up the ability to collect on the alleged debt. Per the FDCPA 16 US Code 1692G, complete verification of the debt is required to proceed with collection activity. SLS is also claiming that true ownership and debt transfer verification can be found on Mortgage Electronic Registration Systems ( MERS ) with the Mortgage Identification Number ( MIN ) listed in the aattached documents. The MIN number is not listed anywhere on the documentation and per my conversations with SLS, they do not have one listed in there system. SLS also stated that there is no affidavit or note allonge to prove up the validity or debt transfer. SLS has not proven up the rights to collect on this debt and should cease and desist any further collection activity.

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 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank posted my payments 16 to 25 days after they were mailed for the months XXXX, XXXX, and XXXX of 2021 ; previously, they were posted 6-9 days. They charged me late penalties and interest, waiving the first assessment for the XXXX invoice after I complained. 

I subsequently complained in writing, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, about additional late fees and penalties, including late fees and penalties on contested amounts, noting the previous posting history and noting that other creditors to whom I mailed payments at the same time posted those payments in 5 to 7 days. Citi then waived the remaining fees and interest but reported the delinquency to credit reporting services, which resulted in a XXXX point and two rating category drop in my credit score from an " exceptional '' XXXX to a " good '' XXXX, now adversely impacting my ability to get a housing loan. 

I asked for proof of late payment in light of my evidence of timely payment. Today, in a phone call which was recorded, the Citi Executive Response Team from the Office of Citi President and CEO XXXX XXXX told me I'd have to get a subpoena for that information. 

I went to the Citi website to get a copy of the card holder agreement but was informed I had to request a copy online that would be mailed to me in 7-10 days. I requested it online but never received it. I then again asked for a copy of the agreement in writing, to which the Executive Response Team stated they would mail it to me in 7-10 days. I have yet to receive 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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America ID reporting that I did a fraudulent check to their bank. IT wasn't me. I was the victim of identity theft. I have a police report bit the incident is prior to report date. Because I found out about the account very late. I'm not Familiar with idenity theft until I was a victim. Please help me reach out to Bank of America recovery dept. I do t owe the bank a dime. It's the reporting of something I didn't do that's hurting me. Especially when I try to get funding or a bank account. I'm a U.S citizen I do t need to try and pull phony checks to get by. I don't know who to turn to at this point.

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 2021-05-13 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: World Omni Financial Corp.
State: FL

Complaint narrative:
INFORMATION IN MY REPORT THAT IS NOT MINE AND INCORRET THIS COMPANY IS REPORTING FRAUDELENT INFORMATION SETOYOTA FIN DBA OF WOFC # XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
gemini.XXXX froze my funds and didn't give me a reason why, on the app its asking me for a photo id but the app doesn't let me take the picture, all I want is for someone to respond to my email, other people have had this problem and have been waiting weeks to months with no response, I do not want to be one of those people, please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My ability to withdraw funds from Robinhood account has been blocked for at least 5 days. I'm able to transfer money in, but not out for some reason. 

I've submitted help tickets and tried to contact the company through social media about this issue, but they've responded with auto replies that say they will get back to me in 1-3 days. We're well past 3 days now and still no updates or actions to restore access to my funds. 

If this isn't illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: WI

Complaint narrative:
Back in XXXX I went to look at my free credit reports and found an address in XXXX that was never mine and the person at that location opened an account with XXXX Now for {$6800.00}. I contacted XXXX Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last XXXX digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
AD ASTRA RECOVERY SERVICES INC at XXXX XXXX XXXX XXXX, XXXX Ks XXXX Has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Thank you for helping with this issue. I was offered an incentive by American Express to change my credit card from the introductory card to the XXXX XXXX XXXX. The incentive was that if I spent {$1000.00} in the first XXXX  days of having the card then I would receive {$300.00} in cash back. Apparently, according to Amex, I did not adequately accept the incentive because I clicked on the wrong link, and thus they could not verify that I actually qualified for the offer that they sent. It is likely that they sent me an email saying that I would receive the offer, or that they reflected it on my Amex page, but that I did not click on that precise link to accept the offer. Thus, when I upgraded my card, they refused to give me the incentive I had obviously qualified for.

Company response to consumer: Closed with explanation