vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
XX/XX/XXXX, my direct loans were transferred to Fed loan servicing after I applied for public service loan forgiveness. I have to make 120 qualifying payments and the rest will be forgiven. So far I have made 6 qualifying payments prior to the pandemic and when the pandemic started I was to have 26 additional qualifying payments added to my account towards loan forgiveness. I received an email that I needed to submit anther PSLF application from my employer to verify that I still qualified. When I log into my account to see what I needed to do, I saw a notification that I needed to consolidate my loans and then submit the new PSLF application from my employer. I was confused so I contacted Fed Loan servicing for assistance. The gentleman the took the call told me that I needed to complete those two things so that the payments could be applied due the COVID 19 pandemic. He also stated the changes will not cause me to start over. Fast forward to XX/XX/XXXX, I see an email that I have new correspondence. When I logged into my account, I saw that all of my qualifying payments disappeared and I was to start over from the beginning for making 120 payments when I was under the impression my 32 should still be there. I immediately called back to customer service to find out why this happened and the rep told that when the consolidation occurred, it wiped out all of my existing payments that were to be applied and it started over as a new loan. She asked me to give her a few moments to check some things only to tell me that there was nothing she could do to change it so I am filling a complaint to get this matter resolved. I feel that this is not fair to me that I am having to start over after being given inaccurate information. I would have never opted to consolidate my loans had I know it would wipe out my 32 qualifying payments towards the 120 needed. I am asking that you please help me get the payments back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 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: TX

Complaint narrative:
How can I get XXXX XXXX XXXX XXXX to quit claiming my complaints are duplicate and explain and give proof why they had permissible purpose to access my credit report and why they refuse to send me copy of credit report used for loan # 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 2020-12-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
This business is practicing " looping '' of automated responses to their customer service phone line. I had to navigate through an incredibly excessive amount of pre-recorded content, much of which was repetitive. I also had to continually choose options from an endless amount of " sub-selections '' when routed through the phone system. It took approximately 6 minutes just to navigate through the phone system to speak with a customer service representative ( not counting hold time once I was routed to correct department ). 
This business practice makes it burdensome for the consumer to reach a customer service representative to the degree that it reflects impropriety on the part of Specialized Loan Servicing. Consumers should be routed through no more than one or two informational menus before reaching a customer service representative.

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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-24 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I purchased my house in XX/XX/2020. My lender was XXXX. I received a payment voucher from Planet Home Lending in XXXX. I contacted XXXX to ask who I should pay. They informed me that they were still my lender and I made my XXXX mortgage payment to them. Planet Home Lending has been calling demanding XXXX payment as well. I spoke to XXXX XXXX yesterday and he was supposed to provide a copy of the goodbye letter from XXXX XXXX. He never called back or emailed me the letter. I suspect it doesnt exist since my lender said that they still owned my loan. I believe that Planet missed a step in the process to take over my loan. They have demanded that I pay them for XXXX when I have already made my payment to my original lender. 
Planet is bullying me and trying to make their mistake my problem. They have threatened to report this delinquent payment to the credit bureau. My XXXX payment was made on XX/XX/XXXX so I am definitely not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
Arcadia Recovery has called our business on multiple occasions, and continues to do so. I have called and spoken to a representative ( on XX/XX/XXXX ) and asked for our phone number to be removed. On two other occasions XX/XX/XXXX and XX/XX/XXXX I have left messages as their message states no one is available. All 3 times I have provided our number, and advised that the person they are trying to contact, a XXXX XXXX is nit here, and does not work here. 

Their repeated calls are tying up the phone line for our business, and that means customers can not call. I have had to waste time calling their number XXXX XXXX XXXX XXXX and asked for iour number to be removed. They have not removed our phone number, and this is continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: U.S. BANCORP
State: OH

Complaint narrative:
My US Bank Kroger rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.

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 2020-12-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I have been a with NISSAN ACCEPTANCE CO customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, TOYOTA MOTOR CREDIT add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at XXXX XXXX. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to XXXX XXXX multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, Stenger and Stenger, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the Sheriffs Dept to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

Stenger and Stenger, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with XXXX XXXX. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been a with COMENITYCAPITAL/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: KS

Complaint narrative:
I requested a 6 month forbearance from Home Point Financial back in XX/XX/XXXX which they granted. I knew that at the end of my forbearance that I would be given one of two options, either to pay back the past due payments in one lump sum or have the past due amount paid off at the end of the term of our loan. 

At the beginning of XXXX, my wife contacted Home Point Financial to discuss our options as the forbearance was set to end at the end of XXXX. We were then advised that we would need to apply for a loan modification for which Home Point Financial requested us to submit documents to them including, payroll statements, bank statements, tax records, etc. I emailed back the loan modification request to Home Point Financial on XX/XX/XXXX. I never received any form of confirmation from Home Point Financial that they received our request. 

My wife called Home Point Financial on XX/XX/XXXX to inquire about the status of our request upon which Home Point Financial advised her that they required additional paperwork from us to complete our loan modification request. Much of the paperwork that Home Point Financial was requesting had already been sent on XX/XX/XXXX. However, Home Point Financial failed to act upon our loan modification request in a timely manner and was now asking for us to send updated bank and payroll statements which we did not mind doing. 

Home Point Financial advised us that the paperwork needed to be received by XX/XX/XXXX. Beginning on XX/XX/XXXX, I began receiving daily phone calls during weekdays from a man named XXXX from Home Point Financial. The purpose of XXXX 's calls were to remind me that Home Point Financial still needed additional paperwork from us to complete our loan modification request. I acknowledged this fact on XX/XX/XXXX when XXXX originally called me. I also advised him that my wife had already spoke to someone at Home Point Financial two days earlier and we would get them the paperwork before XX/XX/XXXX. 

Every time XXXX from Home Point Financial calls, he tells me the same thing, that he needs the paperwork by XX/XX/XXXX, XXXX has called me six times beginning on XX/XX/XXXX. I have repeatedly told XXXX that we will send the paperwork in before XX/XX/XXXX. Despite this, XXXX continues to call me every weekday to tell me the same thing. I advised XXXX that I found his calls to be hairdressing and hypocritical considering that it took Home Point Financial so long to get to our loan modification request that they needed updated bank and payroll statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: U.S. BANCORP
State: UT

Complaint narrative:
I saw an ad that was very prominent on the U.S. Bank website for their new XXXX XXXX XXXX XXXX credit card, offering a bonus of XXXX points ( worth {$250.00} ) for new cardholders who spend {$1000.00} in the first 3 months. So I applied for the card in XX/XX/XXXX, in part because I wanted the bonus. I was approved for the card and received it, and then spent the required amount to earn the bonus. On XX/XX/XXXX, U.S. Bank paid me XXXX points instead of XXXX. I called them and they said I must have mistakenly applied for a different bonus offer and that it's my fault. But there was only one bonus offer for this card, and it was XXXX points, and that's what I applied for. They said they'd have to research it and they'd send me a letter in a few days. I haven't received a letter. I believe they have been deceptive in their marketing. They baited me in with the offer of XXXX points and then switched it to XXXX without my knowing and are making up some fake reason so they won't have to pay me the remaining XXXX points. I have attached a screenshot showing the offer of XXXX points, which is still prominently showing on their website. It is the same ad today as it was when I applied for the card in 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 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at Best Buy. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to Best Buy multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, XXXX XXXX  XXXX, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the XXXX XXXX to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with Best Buy. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.

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