vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took a student loan but, I was overcharged I always was charged late interest eventhouh I paid on time electronically. The loan was split just to overcharge more interest and the bill statement was never send on time but late, but sometimes the bill loan was never send at all. I was charged over three times the price of the loan I borrowed {$9000.00} dollars but I paid almost {$20000.00} I paid the loan very early in advance. 
I was told that if I paid the loan on advance and in full I will have a 25 % discount but the never happened Wells Fargo bank intentionally is always defrauding students and people I want Wells Fargo Bank to be penalized for fraud and abuse of power.

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 2021-04-27 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: OK

Complaint narrative:
I have this issue with both Equifax and XXXX. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both Equifax and XXXX DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. Equifax AND XXXX reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 at XXXX XXXX I got a call from a person saying from XXXX if the charge for {$1400.00} for an XXXX on my bank account was made by me and I said no. And they said they would put the money back in my account and added XXXX more which was XXXX which I watch them do on my bank account online app. Then I went to the bank to wire their money to them. But I found out someone unauthorized a transfer from my savings to my checking which was not connected with any overdraft fees and use my money to do it. And they are claiming that is was a scam and possibly could not recover the money in scams. But the problem was never going to be a problem because I would not have sufficient funds to wire to them because it was not transferred by me and there would be no money to wire so it is their problem if they don't have enough security to unauthorized have a transfer move from my savings to checking my life savings and have it be gone because I would never send my own money

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 2021-04-27 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: OK

Complaint narrative:
I have this issue with both XXXX and Experian. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both XXXX and Experian DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. XXXX AND Experian reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!

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 2021-04-27 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: AES/PHEAA
State: TX

Complaint narrative:
I took out a Private school loan with My Rich Uncle ( aka 'XXXX XXXX ' ) back in XXXX. At that time I was at the University of XXXX at XXXX ( XXXX ). Please note this school has changed its name to the University of XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of TXXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that American Education Services ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in AES issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, AES is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Started a new business just 5 days ago. I decided to use Paypal as a Payment Merchant. I had few order shipping 's to XXXX almost {$350.00}. 2 days ago, PayPal limitized my account and asked for the documents verification. I have sent them the Resident Identity Card with my Company Incorporation Letter and Purchase invoice. Yesterday received 2 emails from Paypal, the first one states that they have locked my account and hold my money for 180 days due to the potential risk involved in the items I am selling. And the second email I have received stated that partially limitations have been removed however I shall be unable to use the PayPal account and the balance will be on Hold for next 180 days. This is my 5 days Business Journey with this XXXX XXXX. The most interesting fact is that I am selling the computer accessories, digital goods like softwares and also helping customers for the marketing campaigns, so what was the potential risk involved? Tried reaching the customer services team through international calls and the XXXX chat option and have wasted almost 6 hours but no response. I don't want to have business with this XXXX XXXX but they have no right for holding my funds for 180 days without a proper reason. My registered email with Paypal is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Selene finance / XXXX XXXX  XXXX The above company is a 2nd/junior lein on my property. The cheated us all the way no documentation has been sent to us regarding foreclosure, when i called they said its not their job to notify. It happened in XXXX Arizona where state still have a moratorium till XX/XX/XXXX. These people dont care looks like they all break law when they have to beat the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I lend my chime card to someone i know due to he needed something i gabe him permission to use my card i gave him my pin there was {$13.00} only available.. now upon name " XXXX XXXX XXXX he is a XXXX.. him return my card after he dropped me off to the hotel i was staying at here in XXXX XXXX nevada i notice there was some changes on my card like the 16 digit number was reprinted solid black and the cVv # was different from my records of photo copy that i have and expiration date was changed.. now not on that ive only been around a few people the second day of my arival my phone was hacked/ or maybe traded out with a different phone but the same look alike as mine.. ive been back and forth to the banks i bank with and told me to report this ASAP so now I reached out to all of my banks i associates w my account banks cellphone number and phone has been compromised.. I believe so that my identity has been stolen ... i have no access to anyof my account email or banks.. please some investigate this .... this has gone way to far.. alot has happened alot.. money purchased from my XXXX XXXX  XXXX and chime and XXXX XXXX card transactions history are most likely the same when i did research.. i have a few screen shot.. my card when i call are already link and set up to be declined and auto paste when i log in ... please investigate my phone i have and all my card and orther account.. I believe that XXXX XXXX is not the only one there are more thats part of this ... i will surrender all my cards phone etc thats needed.. i have a few idea of who else is involved ... money has become missing and my banks accounts are closing at this monentXX/XX/2021.. the banks are not disputing some orther changes and im still working on resolving this matter with them.. i have more information documented to share upon request for interview

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
I took out a Private school loan with XXXX XXXX XXXX ( aka 'XXXX  XXXX ' ) back in XXXX. At that time I was at the University of Texas at XXXX ( XXXX ). Please note this school has changed its name to the University of Texas XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of Texas-XXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
XX/XX/2020 I tried to pay my mortgage late. It was denied and Caliber Home Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending Caliber Home Loans monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from Caliber. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of Caliber Home loans on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX  reported as negative credit in XXXX and Sold it to XXXX XXXX XXXX, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
La Curacao is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account is constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XXXX of XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I lost my job due to the pandemic and entered forbearance with my Mortgage company Mr. Cooper ( backed by XXXX XXXX ) around XX/XX/2020. I'm concerned my mortgage company is creating loop holes to deny people on the 2 3-month forbearance extensions the White House Administration has instilled to protect people like me. 

I've been denied based on a technicality I feel they lured me into. In XXXX, I kept getting notifications from my mortgage company ( Mr. Cooper ) urging me to select a plan for when the forbearance ends. The only options presented were 1. Pay everything I owe in one lump sum ( can't ), 2. Sell the house or risk losing it, or 3. Request a modification. I chose the modification. 

Once the forbearance extension option was brought to my attention, I was told I can't apply for forbearance because I applied for modification. I cancelled the request for modification and applied for Forbearance. I'm being told the investor is saying no to my forbearance extension request because I'm pushing past delinquency of 12-months. 

*Important to note I applied for the modification BEFORE my forbearance expired. I recall actively reaching out to Mr. Cooper 2-weeks before my forbearance ended. The modification process was ongoing, I never received any approval notifications. Now that I've requested a forbearance extension, I'm told I'm being denied bc I'm " pushing past delinquency. '' Managers at Mr. Cooper are saying I'd be hitting a 15 month limit, meanwhile it is a maximum of 18-months allowed, and I'm only at month 12 or 13. 

Can the investors just reject or decline my extension request? Does their reasoning make sense to anyone? I've called Mr. Cooper many times, it's difficult to get clear information. What can I do to get on track to the forbearance extension? 

Before the pandemic, my mortgage was current and in good standing. It's currently almost a month past due because I was awaiting on results from the forbearance extension request. They kept telling me it's under review ( for several weeks ). 

What are my options? Are they creating and taking advantage of loopholes to deny my much needed request for forbearance extension? I am currently unemployed. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. Experion. Reports no score. Called over and over says its ok. But never is

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Credit card dispute with Capital One WalMart MC # XXXX Merchant : XXXX XXXX Amount : {$35.00} Date of billing : XX/XX/XXXX Reason : Merchant shipped a metal garden arbor arch in XXXX of XXXX TO my former house in XXXX XXXX, XXXX. Because XXXX does not pick up improperly delivered merchandise - my account was NEVER credited for the merchandise I Neither received NOR that XXXX ( with a ware house just 2 blocks away ) would retreive. 

In XXXX, another ( repalcement ) was shipped this time to my XXXX, XXXX  address. In XXXX, I was RE BILLED by the vendor. Because of this, I contacted the vendor and asked that I be able to return the metal garden arch & get my account re credited. This item was returned to the XXXX XXXX in XXXX, XXXX USPO tracking for this item return was : XXXX Note : On XX/XX/XXXX, I received an email from Capital 1 that mentioned they were reapplying the {$35.00} charge to my account. This was done, despite the fact the merchant never contacted me to advise me HOW I might return the item I was billed for and didn't want. This is against regs under the Federal Fair Credit laws. Capital One 's investigation techniques are anti consumer : they tend to FAVOR the merchant over the customer.

Company response to consumer: Closed with monetary relief