vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX, my loans with Navient ( at the time, Sallie Mae ) equaled approximately {$82.00}. XXXX. When I contacted Navient due to difficulties repaying my loan, they offered me a hardship forebearance. I thought this was a life-saver. I was unaware of and not offered any other options ... .This option allowed Navient to continue to accrue interest on my loan. Since I was a low paid public service worker, Navient continued to offer me forbearances until one day they told me my number of forbearances had run out. They never once informed me about any income-driven repayment plansthat would have allowed me an affordable repayment option and the opportunity to have my loan forgiven after ten years as a public servant. 

Now, in XXXX, I find myself, a single mother with a XXXX child strapped with a loan that currently amounts to {$160000.00} ... more than twice my original loan amount. Furthermore, after recently filing for an income based repayment plan, I was sent a coupon booklet where my payments jumped more than 100 %. Although my income has not improved greatly, my plan goes from {$150.00} a month to {$1500.00} starting in XXXX. I can not possibly pay this amount which is 38 % of my income based on last years tax records. And that's gross ... .NOT take home pay which is approximately a third less ... 
I am XXXX XXXX XXXX. These loans are from a XXXX XXXX XXXX program for a XXXX XXXX degree, that I was never able to use, because XXXX XXXX  failed to inform me that post-graduate courses where required for permanent certification. I was never able to afford the XXXX 's courses. As a result, I have never been employed in the school counseling field. When I initially called XXXX XXXX  I wanted to become a XXXX XXXX. They steered me toward the XXXX XXXX track as they had no openings in their teaching program at the time. They never once informed me that my XXXX XXXX XXXX alone would be useless unless I could afford additional courses, or I NEVER would have chosen that professional track and taken out student loans for a worthless degree. I did not find out that XXXX 's courses were required until after I graduated. 

Then, for years, Navient granted me forebearances ... .never once advising me of other options. Please, advise me as to what I can do. I feel as if both Navient and XXXX XXXX  did me a disservice by not giving me adequate information to make sound decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
I began disputing an item on my Experian credit report that was previously under the name of " XXXX XXXX XXXX' on XX/XX/XXXX. That item was deleted from my Experian credit report on XX/XX/XXXX. A few months later, the once deleted item ( reporting under XXXX XXXX ) was reinserted on my Experian credit report on XX/XX/XXXX. I IMMEDIATELY submitted a complaint to the CFPB on XX/XX/XXXX regarding the prior deletion " and '' reinsertion of the item ... .the item also was reporting a " new account open date '' of XX/XX/XXXX. A few months later, the XXXX XXXX collection was removed however, recently, the account was reinserted under a new collection agency now reporting as XXXX XXXX. I have notified all 3 agencies ( Experian, XXXX XXXX and XXXX XXXX XXXX about the wrong reporting via written disputes as well as I have sent 623 letters to XXXX and XXXX XXXX with no reply. I am tired of Experian holding my credit hostage and I need resolution.

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 2020-07-07 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: PNC Bank N.A.
State: TN

Complaint narrative:
Im a victim of identity theft and have had a fraudulent personal loan, and credit card that has been opened in my name with your company Pnc Bank. I didnt consent, authorize, apply, nor request for this fraudulent credit card/personal loan to be opened in my name. The address, phone number, and to these accounts on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a Debt Validation Letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that Pnc Bank has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act,  the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Pnc Bank for intentional infliction of emotional distress and at the other diminishes of the quality of my life. These 2 fraudulent accounts need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I have been paying my mortgage for 10 years. Bayview loan serving acquired my mortgage years ago after the bank, XXXX XXXX went out of business. Last year I had XXXX XXXX  and became no more than 2 months behind on my payments before then I never missed a payment. I began the Bayview process of modification after finding out I would not be returning to work and had to rely on Social Security XXXX XXXX. 
The woman assigned to me, XXXX I believe said if I provided her with bank statements, proof of SS and expense statement that I would pay a lower amount, {$620.00} or so for 3 months on the XXXX of XXXX through XXXX my loan would be modified and the would have to sign the paperwork. My original payment prior was I believe {$840.00} or so. I paid the {$620.00} for 3 months. I was sent a XXXX  the last week of XXXX to modify my loan to the modification and the amount was {$780.00} a {$34.00} difference from my original mortgage payment Bayview wanted starting in XXXX. I told XXXX XXXX that was not the agreement and was not given enough time to go to the bank for witnesses and a notoriety and I couldn't afford the payment. I did pay XXXX for the lower amount. I was sent another XXXX the last week of XXXX saying sign and pay the modification for XX/XX/2020 by the XXXX for the {$780.00}. I called on XX/XX/XXXX but was continuously hung up on by the phone system. Unable to pay online or by phone by Bayview I am now filing a complaint. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a subscription to the app called XXXX, an investing app, and I can't withdraw my money from it because XXXX uses XXXX, and XXXX  doesn't work with my bank, PNC Bank. PNC Bank needs to authorize XXXX  to handle transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
FlagStar Bank has already placed my loan in forbearance, which simply means that from XX/XX/2020-XX/XX/2020 ( 6 months ), should I be unable to pay, I will not experience any late fees or negative credit reporting ( any pay by phone fees will also be waived during this time ).

But I received a letter from Flagstar, which stated " As of the date of this letter, we have not received the monthly payment for the loan listed above and your account is past due. The total amount due is {$1700.00}, which includes late charges. If we do not receive the total amount due before the end of the month, your account will be in default and may be reported to the credit bureaus as such. This type of delinquency may negatively impact your credit scores and your ability to obtain credit or other services in the future. 
PLEASE DON'T DELAY. To avoid default on your mortgage obligation, call us today at ( XXXX ) XXXX, Monday-Friday XXXX XXXXXXXX XXXX ET to arrange payment before the end of the month. The longer you wait, or the further you fall behind on payment, the harder it will be to find a solution. " Don't know why Flagstar sent letters to threaten the customers to pay mortgage after they placed loan in forbearance program. Under CARES Act, You will not accrue fees, penalties, or interest beyond the amounts already scheduled or calculated based on the terms of your mortgage.

The CARES Act also protects you from some negative information on your credit report because of any mortgage relief or assistance related to the COVID-19 emergency. During the period covered by the CARES Act, the CARES Act requires your mortgage servicer to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the COVID-19 emergency, to maintain the same delinquent status. If you bring your account current during the forbearance, your mortgage servicer must report the loan as current.

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 2020-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had tried to connect my bank and its not letting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct.XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law office LLC XXXX : [ XXXX XXXX Ct file No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law offices Llc I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as XXXXXXXX XXXX XXXX bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvest Credit Management VII, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Harvest credit management and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Ct file No. XXXX Dear Harvest credit management vii , llc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as Harvest credit management bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: LJ Ross Associates
State: NJ

Complaint narrative:
I have a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Receive a cordial greeting. 
The present is to report the first days of XX/XX/2019, I was a victim of fraud in my savings and check accounts that I have with 53 Bank. My accounts were emptied. more than {$20000.00}, stolen. 
Account information Name : XXXX XXXX by  XXXX Accounts summary, Numbers : XXXX XXXX XXXX ; XXXX XXXX XXXX, I am currently in XXXX To summarize the process : " On XX/XX/2019, I was sent a debit card to the address of my home that I have registered in my accounts. For the day today I have not received it. I don't know who took the card, and on XX/XX/XXXX they started to make withdrawals at ATMs, repeatedly for more than 15 days. I have a phone number associated with my account in the United States which is XXXX XXXX, in this I did not receive calls from any representative of the bank alerting the situation or asking for authorization to make the cash withdrawals from my account. 
I have an email associated with my accounts which is XXXX, in this I do not receive fraud alerts, notification of card activation, any notification that would alert me what was happening with my money. Only as of XX/XX/XXXX I begin to receive low balance notices in my accounts. It's that moment is that when I communicate with the bank. '' The number of cases are as follows : Savings Dispute : XXXX - Cheque Dispute : XXXX Therefore I do not recognize withdrawals or charges to my account, because I do not have a debit card, I do not request a card activation to anyone, do not speak to the representative of the bank authorizing withdrawals, in addition to never receiving alert by mail or phone to stop the fraud that was being committed. 
I also do not recognize charges that have been generated by overdraft, or under balance sheet because of fraud. 
Please I need help, are my saving, I'm a senior person. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been having issues with Cash app since XXXX. It started with me sending {$280.00} to a wrong account belonging to my daughter. That issue lasted a month. My daughter finally was able to send it back to my account in XXXX. Cash app only gave her {$270.00} and that is the amount she sent back to me. I received a replacement card for my account on XX/XX/2020. I attempted to use the card on XXXX XXXX. The card was declined. Several more times after that, I attempted to use the card. It continued to be declined. Then I reviewed the card against the information on the app. The card showed a different CVV number and a different expiration number on the card than what was on my account. I discovered that this is the reason why my card kept getting declined. So, I immediately reported the card lost and the app locked the card and sent out another one. I have just received my new card. I reviewed the card itself with the new information that is on my app for the new card.. The same issue is true with the new card that I just received today. The account number is correct ; but the CVV number and the expiration number is different than what is on the card. The card will be declined when I attempt to use the card. Cash app is deliberately sending my cards that I can not use to access my funds. Then if I use it and it declines, then they will lock my account in order for them to investigate. Cash app is getting a little of my money at a time and constantly locking my account. My money is not available to me at this time. My account is locked because cash app locked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Penn Credit Corporation
State: NJ

Complaint narrative:
I have a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I applied for a refinance with Quickens loans. Initially wanted a loan with no out of pocket expenses. When I realized that the cost of the refinance was close to approx $ 8k, I decided to not finance the cost of the loan. From that point on, I had issues. # 1. I ask the agent to re-calculate the loan based on my paying the costs. I only wanted to finance the amount of the payoff. # 2 Approx 2 weeks passed and no such document was disclosed, but my payoff amount changed online. I called the closing team, and asked why I did not receive a redisclousre showing the new loan amount and when I looked at the online summary, the payoff amount changed. # 3 It kept changing, and the loan amount kept changing. The 1st disclosure document I received showed the final dollar amount of the payoff to be {$130000.00}, I asked why would it change. I was transferred to client relations and spoke with XXXX XXXX who stated that figure would change daily. Did not like his attitude, kept talking over me and treated me like the additional funds were minor. I tolde him, it's not the amount, I wanted to know how could the final payoff amount change when it showed the esitmate amount and the final payoff amount for closing in XXXX. We were at least close to 2 weeks before closing. # 4 He could not give me a definitive answer, other than it changes daily. I started watching it daily and it did not change daily. It changed 4 times, from the final amount of {$130000.00} to {$130000.00} to {$130000.00} to {$130000.00}. I belieive because I did not want to finance the cost of the loan, they would recoup monies by changing the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC bank has made a change that prevents me from linking my bank account to my investment account at XXXX. I've attempted several times to log in, but keep receiving the message that PNC is not going to allow me to access the account. I'd like the be able to access my financial data and spend my money as I would like by investing!

Company response to consumer: Closed with explanation