vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard, LLP
State: MA

Complaint narrative:
I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX   refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, XXXX  of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I took out a loan with Lending Club in XXXX. In the last 6 months I have struggled to make the payments and started working with a debt management company to help settle the debt. The debt management company took my payments but did not settle the debt and a a result, Lending Club charged off the loan. I filed a complaint against the debt management company with CFPB in XX/XX/XXXX. I have since reached out to Lending Club and asked that they reopen my file and help set up an affordable repayment plan. I called Lending Club twice and emailed. They are refusing to work with me as a customer. They will not return my correspondence. 

I want to pay off this debt in affordable payment plan and I want the " Charge off '' notation removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My home was broken into and two credit cards were opened in my name. I have disputed the account with the SYNCB for a Walmart charge card as well as submitting proof and they have refused to remove from my credits reports. The suspect for the break-in was a family member with a drug issue and would have had knowledge of all of my personal 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 explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My home equity loan was effective XX/XX/XXXX for {$120000.00} with a 12 % 30 year fixed interest rate with a maturity date of XXXX/XXXX/XXXX. The monthly payment was {$1300.00}. On XX/XX/XXXX, I requested Chase to combine my first and second mortgages for one payment. Chase said NO ; but would allow me, though I was not in financial trouble, to participate in its modification program and reduce the interest rate on my equity loan a few percentage points to 10.87 % with a maturity date of XXXX/XXXX/XXXX or 47 years. This resulted in a {$170.00} monthly savings. After closely reviewing my most recent Statement and doing some math, I was faced with a horrible truth ; that is, from XX/XX/XXXX to date only an average of about {$38.00} a month has been applied to the principal of the loan and the balance applied to interest. I learned that since XX/XX/XXXX, I have paid Chase approximately {$350000.00} in interest and only {$3100.00} has been applied to the principal. I thought this must be some kind of inadvertent mistake because I would NEVER EVER agree to such an insane arrangement. This feature of the loan was not pointed out to me or discussed before I signed the Agreement. I did some research to try to understand what had happened to me and learned that Chase had taken advantage of an XXXX XXXX Senior female by imposing on me a " Daily Simple Interest Loan. '' Simply put, interest is charged everyday rather than monthly as I believed. 

I feel so violated and offended that I sought to do business with what I thought was a reputable financial institution that turned out to be a predator of Senior Citizens. It is for these reasons I file this complaint with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a are inquiry that I didnt consent to and its only in my equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I was at the Airport and the XXXX rep stated that the XXXX XXXX American Express waives annual fee for their cards to military members. That is what made me apply. I applied and was granted the card. About three weeks later I was billed the annual fee. When I spoke with someone they advise for me to apply for the SRCA, which then I was denied. I have been dealing with this for over 3 months. I have contacted via email, phone, and chat. My chat is below. I can not speak with anyone in the department but was told that my account was reviewed for MLA when it was first open and did not qualify. 
Yet the reason why I can not get SCRA is because I was on orders when the card was opened. The company has refused to apply MLA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Greetings, During this global pandemic, communication has been phrased around " as of XX/XX/XXXX, your loan service will suspend any federal student loans and suspend interest till XXXX XXXX. You do not have to request it, the loan servicer will do so automatically. '' Even the Consumer Financial Protection Bureau communicated the same here : https : //www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ I have federal, Stafford student loans that are now with Navient ( was with Sallie Mae , acquired between XXXX ). 

Today XXXX, I saw my loans were now past due and had not been suspended. From everything I was reading, even on this site, my loans were indeed federal and met the criteria. When I called Navient just now on XXXX, I was told yes, my loans are indeed federal, but they are only suspending all US Department of Education loans ... and my loans even though are federal, are not owned by the US Department of Education therefore, they would not be automatically suspended during this pandemic. 

This is serious miscommunication. Or, Navient is not abiding by the law. I carried on and did not pay for a month as everything I had read seemed to line up. 
Yes, I did see that in your article there was an exception of FFEL program loans, but mine are not even that. They were FFELP loans, which I thought were different and did not see any mention of them as an exception. 

So the statement that all federal student loans will be suspended is false and should be more clearly communicated, or, ANY federal loans should actually be suspended during this pandemic, as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, Paypal / Synchrony Financial pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: KY

Complaint narrative:
I recieved phone call from company called credit management on XX/XX/XXXX about a XXXX  past due cable bill from XXXX. I have never received any notification on the mail about alleged debt or anything. This is the 3rd collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX XXXX/XXXX  XXXX  refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 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: MI

Complaint narrative:
I have investigation results proof that inquiries were remove from my credit report but Equifax has not delete them from my credit report. I have 2 equifax investigation results stating taht inquiries and accounts have been deleted from credit profile but the inquiries are still reporting on my credit report. Called Equifax multiple times nothing is being done and they're being very unprofessional over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/2020, I attempted to obtain my credit report from TransUnion, as I am the victim of identity fraud and required more in-depth information about the specific incidents involved. The Trans Union website linked me to the website : XXXX. On the website, the offer made in bold typing is to " CHECK YOUR CREDIT SCORE FOR {$1.00} ''. I used the service and viewed my credit report. 

A week later, on XX/XX/2020, I received notification that I had been charged {$25.00} USD for a membership with XXXX XXXX. Upon looking at the website more closely, I saw that there is an asterisk beside the Bold Statement, and at the bottom of the page in very small writing, it states that customers using the service will be automatically signed up for a monthly subscription. Furthermore, in order to cancel the subscription I didn't even know I signed up for, I could not even cancel online, but had to call a XXXX number, wasting hours of my time. 

I don't know if what they did is illegal, as technically they wrote the conditions of the agreement, but surely there must be some measures to protect customers from deceitful, intentionally misleading contracts like this.The fact that they are targeting people who require assistance with their credit, who are most likely financially vulnerable as it is, is in my opinion, abhorrent predatory behavior. 

I went to this website, under the advise of law enforcement, in an attempt to correct a crime commited in my name, and instead of offering assistance, TransUnion further took advantage of me. I have lost all confidence in the credit, banking, and financial institutions. Who do I turn to for help when the company that is supposedly responsible for helping me, robs me?

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX. I am a cardmember with CareCredit since XXXX. I have a already made a complaint to them with CFPB a few months ago because of discrimination, I had asked for a credit limit increase since I have been with them for so long and it had been the same and they denied. Yet, I know 2 people who are XXXX who have been with them for less time and they increased their credit limit when they asked. CareCredit contacted me and said they were going to look into it and never did. Now, they waited till this pandemic and in bad faith they decreased my credit limit in retaliation for the complaint that I previously filed against them. That is what they do. It is surprising to me hoe other bank institutions and big corporations are helping their consumers during this difficult time with disaster relief help in place and CareCredit awaits this hard time to lower my credit limit with no reason at all. I called them and the supervisor was extremely rude to me saying '' I Could not pay the month of XXXX '' I explained that I had called them before and explained I was directly economically affected by this pandemic and they removed the payments for XXXX and XXXX and the interest '', he also said I had missed payments when between the months of XXXX, XXXX or XX/XX/XXXX ( dont remember the exact time frame ''. I told him that I had called complaining that I had not received the bill neither any email alert and when I called about that they had fixed it. I told him that why they decided to decrease the credit limit now and if it was really my fault they would have decreased the limit around that time. In that moment I realized that they did that in a form of retaliation, specially in this time.

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 2020-04-29 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been well over 30 days.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the Jet Blue credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I submitted an application to Navy federal I was told to wait 15 business day for a reply. This was back in XX/XX/XXXX. I called in XXXX to check my status of my approval. I was told I had to send in an appeal. I went to my local branch where a representative contacted customer service to advise the information. Then rep was then told I had to submit an appeal. I submitted an appeal on XX/XX/XXXX. I waited 15 business days. I called on XX/XX/XXXX to see if my appeal was received I was advised no, I had to resubmit the information. I resubmitted the documents via email on XX/XX/XXXX. I called again on XX/XX/XXXX. I was told by a representative, my application was denied due to fraud. I told the rep, it was not fraud it was myself. I submitted some incorrect information which is why, I was told to submit an appeal. I asked to speak with a manager to have this escalated. I was advised by a customer service manager, " if I want this account open I have to continue to wait '' then I was disconnected on. I asked the manager was this the process Navy Federal takes in regards approving a veteran for an account. The manager refused to answer my question, then disconnected. Because I do not have an account yet established with Navy Federal I was not able to get the manager 's name. I'm sure its recorded. In which it defiantly need to be reviewed. The manager I spoke with was rude, unprofessional, and showed lack of empathy. I felt like I was bothering her, just trying to get my questions answered. Why ... why hasn't this been taken care of ... .. I was told its sitting in a queue that hasn't been worked yet. So the queue hasn't been worked for going on 3 months??? I highly doubt that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation