vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I was in XXXX XXXX bankruptcy and working full time for a government agency when payments were made to my student loan servicer. None of the payments that I made were applied as qualifying payments for consideration on my public student loan forgiveness. 

None of these payments were applied to my principal balance they were all applied to interest. 

Payments were made from XX/XX/XXXX through XXXX of XXXX. I believe these payments should qualify for the revised consideration for public service loan forgiveness program. I believe all the payments meet the revised standards for payment count toward forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP
State: IN

Complaint narrative:
Please see attached document / note from our boat AND trailer loan. 

We have been requesting the title for both of these items for over TWO YEARS. 

Why is this confusing for the CFPB and for Keybank? 

We have made multiple complaints, all unrsolved. 

This company financed BOTH the trailer and the boat for us, we paid it off, we need the title for both the trailer and the boat. 

We have been sent the boat title twice. 

Send the title to the trailer, we have a letter from Keybank stating they did not finance the trailer so that is a lie. 

What is the CFPB going to do regarding situations like this, we deserve compensation for this situation and want the name, address, phone for the registered agent for Keybank and the title to our boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANK
State: TX

Complaint narrative:
I opened my checking account at Bancorp south on XX/XX/XXXX with XXXX XXXX at XXXX XXXX branch in Texas. Since that day I been trying to enroll in the online banking and the system always give error. I tried to contact several times to the representative who opened my account and she is not helping or fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I owned a best buy credit card - I have been a best buy credit card holder for the past 5 years and I only have used the card at the store. 

I noticed charges on the card that I have never made to the Citibank. 

All the transaction on the account have been made in New York. I have not made those transaction I live and reside in Florida. 

Can someone please assist 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 monetary relief
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
I HAVE CONTACTED EXPERIAN MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EXPERIAN KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EXPERIAN IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EXPERIAN HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both Trans Union and XXXX regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.

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 2022-02-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXXXXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXXXXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and Experian regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX  XXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.

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 2022-02-25 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:
I HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was unable to use my debit card in the store as it kept saying my debit card was unavailable. I didnt receive a pin and the person kept telling me my debit card was fine as it was not. I was hung up on and had to call several times and to get help and was not. I couldnt even purchase groceries and had to use my non Truist bank account.

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 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have been issues foreclosure papers from the company. 

This is the same company ( XXXX XXXX aka Loan care ) that I have already filed a complaint ( see prior complaint ). 

Their response was that they are not the company...... I am getting very 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 2022-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding another short sale offer that was submitted for XXXX after the initial offer of XXXX was denied. I was advised that the offer may be denied due to the investor XXXX XXXX XXXX discretion. I was advised that on XXXX XXXX the XXXXSPS performed a XXXX  that was at XXXX with renovations at XXXX which is over the value of the appraisal of XXXX that was completed on XX/XX/XXXX .My payoff on this home is XXXX according to SPS as of XX/XX/XXXX. I was advised that the XXXX  was evaluated by driving by and no one entered the home to do the proper appraisal evaluation. I have made several attempts to work with SPS regarding this and feel pressured into keeping a home that is falling apart around me. I am XXXX yrs of age and have limited resources and can not do any of the work myself. As a XXXX  XXXX  and veteran, I feel as if they are forcing my hand to remain in a dwelling that is not safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to pricacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

- Account # XXXX XXXX 
- Account # XXXX XXXX 
- Account # XXXXXXXX XXXX XXXX XXXXXXXX. 

Collections : -Account # XXXX XXXX XXXX XXXX XXXX XXXX 
-Account # XXXX XXXX XXXX XXXX. 
-Account # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
Cases against the PHEAA ( FedLoan Servicing ) : Cases of Greed, Corruption, and Mismanagement. 
My Case : General seeming mis-mangagement was noticed as early as XXXX and XXXX when not all my 10+ loans were listed on my loan statements and on my online account-some were missing, which was misleading. 
My specific case of PHEAA is specific greed and corruption manifest by not sending me my annual ( or even quarterly ) accrued interest for most of the years the last 6-7 years, and automatically capitalizing the interest into the principal causing my overall student loan debt to jump over 100K, and then causing interest upon interest upon interest upon interest to accrue like a run-away freight train. 
The last accrued interest statement I received was in XX/XX/XXXX, and it gave me ( counting time in mail both ways ) essentially only 1 week 's notice to pay {$1700.00} of interest. I needed just 1-2 weeks to get these funds to keep from the capitalizing, but the argument of this case is that they were motivated by greed and wanted so much for the interest to be capitalized so that in the long run they would get more money out of me. This is corruption at its core, not in " good faith '' as the law requires. Its bad, its greed. 
So I filed a complaint with the XXXX XXXX XXXX ( USEd ). My request was to go back to XXXX and separate the interest that they wrongfully capitalized restoring my overall student loan balance and apply the next payment I made after that to the accrued interest. USEd must have sent the complaint to XXXX. I received a letter from FedLoan Servicing this past week and they refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a dispute to transunion. 
The following account had failed to verified accurately and the credit bureau failed to provide proof of their nvestigation, but is currently being reported as verified. 
Creditor : XXXX XXXX XXXX  XXXX XXXX  I have also disputed with the other XXXX bureaus and successfully had them removed due to lack of verifcation and accuracy.

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 2022-02-25 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: MI

Complaint narrative:
In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.

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 2022-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Last XX/XX/XXXX I attempted to Deposit a {$1000.00} to my checking account at my local bank here in XXXX Kansas, XXXX. I was shocked to be told that they account has been closed. 

Also at the same bank, the XXXX, and XXXX XXXX XXXX XXXX reported to me that my XXXX Refund of {$2800.00} was sent to this bank. 

I contacted WELLS FARGO customer service via telephone and was told the same thing. So my feelings is the Bank, WELLSFARGO closed my account due to the numerous complaints about overcharging me for INSUFFICIENT FUNDS FOR MONTHS. 

I need to see my bank account transactions, a reason why my account was closed, and why the XXXX companies above keep telling me their traceing efforts of my {$2800.00} ( XXXX REFUND TAX RETURN ) keeps telling me it was sent to my checking account. 
Its been 12 months and no answer!

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 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchase products with XXXX using Affirm payment plan. Ive returned several items back to XXXX and also notified XXXX the items returned but Affirm hasnt updated the balance. I spoke to XXXX Supervisors XXXX who confirmed the new amount. Per XXXX they have notified Affirm and XXXX sent a text of the new balance on each loan. The problem is Affirm isnt updating my loan amount. They are making me pay the original loan amount as if I never returned anything. My loans should be reduced! Affirm instruct customers to contact the Merchant for refunds. Ive contacted XXXX but Affirm need to fix my loans.

Company response to consumer: Closed with explanation