vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello! I have been paying monthly and consistently my student loan with Navient. My total balance is not going down, it is going up! I think I am being taken advantage of. I need some legal advice and help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
upon checking my credit report I seen that I had a negative balance of {$1200.00} I called XXXX XXXX which was the owner of the credit card they told me that the account was sold and portfolio recovery Associates had my account I called Portfolio recovery told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXX  there was a XXXX that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with Portfolio Recovery Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against portfolio recovery Associates I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First  name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX 11XXXX {$530.00} XXXX   XXXX {$2300.00} XXXX  XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$4200.00} XXXX   XXXX {$250.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX {$4200.00} XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to TD AUTO FINANCE to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
This account attached has been removed many times, over the course of many years and keeps getting reposted by 2 fraudulent collection agencies, NATIONWIDE RECOVERY SYSTEMS and XXXX XXXX XXXX. This company has been reposting a false account for many years. I file a dispute and it is removed and then they repost it again. Sometimes the very next day. They're are 2 different companies that do this it seems. They take turns harassing me and hurting my credit report, especially since the covid pandemic started. they have been non stop posting to my XXXX account and probably many others because they know people are desperate to get EIDL loans and SBA is checking that reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: MI

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

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 2020-05-22 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: MI

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

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 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX  is imposing modified loan terms on us. The company added a Shared Appreciation Mortgage ( SAM ) balance to the loan that should have been waived according to the SAM agreement. 

This complaint relates to a mortgage taken from Ocwen on a primary residence in NJ, the terms of which were modified after the last financial crisis to a lower interest rate, with a SAM clause. The SAM clause provided for the SAM balance to be waived after three years of making payments without defaulting. 

Ocwen assigned the mortgage to XXXX, with PHH mortgage acting as the loan servicer, according the letter from XXXX. 

The heart of our complaint is that after years of making payments on time, and paying the balance down to USDXXXX, XXXX  wants to impose an additional USDXXXX on us, in breach of the SAM agreement, and in breach of the decency one would expect from a mortgage lender in the midst of the COVID-19 crisis. 

The loan modification was completed towards the end of XXXX, and shortly after the agreement was completed, we began to make regular monthly payments. Having made payments without missing a month for more than 6 years, one would expect that the SAM balance would have been removed. It was not. 

We called XXXX  to ask that the SAM balance be removed in XX/XX/XXXX, and they did not agree, arguing that the terms of the SAM agreement allowed them to keep the SAM balance. 

We considered that our request had been heard, as you can see in the attached letter, that a Welcome package was sent to us without the SAM balance. Then XXXX   turned around to say we owe them a SAM balance. 

We hope you can kindly ask XXXX  to review the long history of on-time payments to comply with the SAM agreement, the fact that the nation is currently in a pandemic crisis, and basic human decency, so that they remove the SAM balance and report the correct amount for our mortgage balance. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX XXXX contacted XXXX XXXX at XXXX and paid the past due amount on my account # XXXX, in the amount of {$1600.00}. I paid in two installments, {$1500.00} ( confirmation # XXXX ) and {$130.00} ( confirmation # XXXX ) and was told by XXXX, that my credit reports would be updated with PAID. 
On XX/XX/XXXX, XXXX and XXXX, XXXX, I reviewed my credit report and also I contacted XXXX and spoke with XXXX # XXXX at XXXX and was told the account is with XXXX XXXX ; I tried to explain to the representative, but with the language barrier, but got nowhere. I asked to speak with a Supervisor and was told she could not transfer me, because none of the Supervisors are available. I explain to the representative, that I was trying to buy a home and needed a letter from XXXX showing the account is Paid in Full. She put me on hold and came back and told me that XXXX is not showing the account and that I needed to contact XXXX XXXX, I tried to explain that I had spoken to XXXX XXXX and they said they told me that the account had been Returned to XXXX back in XXXX and that I paid XXXX. She said she couldnt help me!!! 
On XX/XX/XXXX, I checked my credit reports and all three ( 3 ) are showing Charge Off and a balance due in the amount of {$1600.00}. I have been on the phone with XXXX numerous times and not able to get them to understand that the information they are showing in not correct and should be updated to reflect the correct information. I did a dispute with all three credit bureau and the information updated as of XX/XX/XXXX is showing Charged off!!! 
I have attached screen shots of two payments made to XXXX as proof the fulfilling my obligations, I want XXXX to update my credit reports to show Paid in Full. Also a copy of the XXXX  credit reports as of XX/XX/XXXX. 

Kind regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, We planned a trip to XXXX for XX/XX/XXXX - XX/XX/XXXX. We were unable to go due to the COVID-19 pandemic ( the flight was cancelled, XXXX shut down its borders, etc. ) / One of the hotels we booked had a cancellation policy stating that if we cancelled prior to XX/XX/XXXX, we would be fully refunded less XXXX USD. 

On XX/XX/XXXX, we attempted to cancel this hotel booking with XXXX, a booking company that works with XXXX with whom we booked. XXXX 's website only had a landing page stating they ceased operations and people " may '' receive a refund. We tried calling their number - XXXX. It was disconnected. We then called XXXX who also tried to get in contact with XXXX - they said that XXXX had ceased operations and advised us to file a claim with our credit card company, Chase.

We filed a claim with Chase on XX/XX/XXXX for the refund of our {$750.00} USD. The claim was denied, and we received the denial on XX/XX/XXXX. We then called Chase to understand why the claim was denied, and they said that they contacted XXXX 's bank, which then got in contact with XXXX. XXXX sent a copy of our original booking confirmation ( see attached ) which outlines the cancellation policy : a refund les XXXX USD will be paid to cancellations made before XX/XX/XXXX. We explained to Chase on the phone call that we had no way of contacting XXXX to cancel our booking because they had ceased operations. Chase said that we had to submit another claim and there was nothing they could do. We even stated that XXXX 's current website ( XXXX XXXX XXXX ) states they filed for the US equivalent of Chapter XXXX bankruptcy as of XX/XX/XXXX. ( see XXXX ) We are at a loss - we don't understand how we could have cancelled our hotel booking with XXXX if the company had ceased operations, dismantled their website, and disconnected their phones. XXXX could not even get a hold of them, so I'm not sure what normal citizens like us could have done. 

We implore to please help, as this is no small amount of money to us. We would have LOVED to go to XXXX and stay in the hotel, but that was impossible due to COVID-19 - flights were cancelled, and XXXX 's borders were closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AA Recovery Solutions, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, received harassing and threatening voice-mails from the number XXXX implying legal action, what is being alleged, clearing my name and protecting my interests by a man calling himself Mr. XXXX. Company name was not identified. 
Claim was that there failed attempts to reach me. To my knowledge, no attempts have been made. 

XX/XX/XXXX a friend/caregiver was helping to assist me at home with my mother who has XXXX. I was cleaning up a XXXX blowup and she was getting cleaning supplies. She answered this call from what we think was again Mr. XXXX who asked for me and became aggressive and threatening when she stated I was unavailable and she was unable to take a message for me. She had to hang up on him. The company was described to this third party as AA she thinks. We were wrist deep in a blowout so she isn't sure. She told him she was a caregiver and he continued until she hung up. 

XX/XX/XXXX received yet another threatening voice-mail from Mr. XXXX again implying legal action if I do not respond by the end of business day today and contacting my employer if I do not call him back at XXXX I have not called either of these numbers as the messages as well as his interaction with the other caregiver was hostile and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: DISCOVER BANK
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to DISCOVER FINANCIAL SERVI to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: FL

Complaint narrative:
I set up a Loan Forgiveness program with a third party vendor who did not cover there end of the Deal. Company name is Premier Student Loan Center Contact names are Below : Date XX/XX/2018 XXXX XXXX | Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This person set up the account and has my bank information which was given to setup the forgiveness program and automatic Draft of monthly payments. 

Nothing was ever reported to Federal Student Aid : XXXX Below is what I have been paying since the date in question. ( XX/XX/2018 ) Billing Information and copy of Email sent to me for confirmation of Loan Foregiveness Program : XXXX, Congratulations again on your submission to the Loans Forgiveness Programs. Again, You will receive a Welcome call within 72 hours upon the submission of your application. Please Try to gather your POI ( proof of Income ) either 1040 Tax Return or two most recent Paystubs. 

Your Case # XXXX Federal Student Aid Username : XXXX Password : XXXX ReOccuring Payment Dates XX/XX/2018 - {$230.00} XX/XX/2018 - {$230.00} XXXX {$230.00} XXXX {$230.00} XXXX {$230.00} {$40.00} a month for the remaining duration term Again, We want to congratulate you, once again, on your enrollment into the Student Loan Forgiveness Program. Dont forget about our referral program! Now that you are enrolled, you are entitled to a {$25.00} VISA CASH card for each person you refer, so long as they qualify for the program. 



*THERE IS NO LIMIT ON THE AMOUNT OF VISA CASH CARDS YOU CAN ACQUIRE* cid : XXXX ***STUDENT LOAN FORGIVENESS PROGRAM*** If you owe {$10000.00} or more in federal student loans and would like some more information on getting up to 90 % forgiven, the Department of Education & the Federal Government have income-based benefits for you. Call XXXX XXXX @ XXXX and she will help you as she helped me! Make sure to tell her that I referred you! 









Highest Regards, XXXX XXXX XXXX Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This is the email i was sent after signing up for the program. 

No information ever made it to my loan provider and my loan is still the original amount that it started with. 

Refer to your email from XXXX at XXXX - Department of Education Loan Servicing. 

She emailed you today on my behalf. 


I have proof of transactions in my bank statements and proof with Department of Student Loans that The party in question never paid any money towards my loans and therefore is in breach of conduct for Fraud. I want my money back in full. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I asked for a payoff, I was informed because of a late payment in XXXX of XXXX, 4 years ago, that my interest rate is now 29.99 %. I just reopened this account 6 months ago and have not been late. The original offer was XXXX percent until XX/XX/XXXX. They informed me that was only on t Balance transfer but my purchase interest rate was XXXX until XX/XX/XXXX when they issued a penalty interest and now it is 29.99 %. This was 2 phone calls and I am told since it was just increased they can not lower the rate for 6-12 months. I have applied for a bank loan to pay Citibank off

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 2020-05-22 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: CA

Complaint narrative:
On XX/XX/20, I received my credit report and realized that there is a charge on my Best Buy credit card issued by Citi Bank in the amount of {$870.00}. I immediately called the number on the back of my card and spoke to someone out of the country who couldn't explain anything to me. I advised the agent that there is a fraudulent purchase on my card. The agent stated that he will close my account and send a new card. I kept telling him I don't want a new card, I want these charges disputed and removed. The agent then continued to repeat himself so I had no other choice but to hang up. I am tired of calling oversees to speak with someone about this. I want these charges removed and my card closed. The lack of customer service scares me to ever use this card. I was not provided with a case number, time frame, next steps, or any kind of direction. I cant even log in online to see what was purchased and where so that I may begin to put blocks on all my other accounts. Please help me get this rectified before it ruins 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 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
I was contacted by Allied International about an invalid debt. I work in construction safety and I answer all calls in case of an injury or incident. I notified the caller that I was at work and I could not take non work related calls and told them Im available after 5 Monday to Friday. They said they would call me back. Today at work I received another call. I informed the caller that the debt was invalid, I received and sent them a letter stating that, and that I was at work and could not take non work related calls. They refused to listen and kept going on. I repeated myself and they started talking over me and I hung up. I hate being rude but the caller from Allied International would not accept what I was telling them and wanted to continue bothering me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NJ

Complaint narrative:
On the FSA website ( XXXX XXXX XXXX XXXX XXXX ) it states, " any payment you made during the administrative forbearance period ( XX/XX/2020, through XXXX XXXX, 2020 ) can be refunded. '' On XX/XX/2020, I sent an email to FedLoan Servicing asking for a refund on the payment of {$800.00} that I made on XX/XX/2020. I never heard back from them. It is now XX/XX/2020. I sent them a second email today as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to CAPITAL ONE BANK USA NA to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation