vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: NJ

Complaint narrative:
Directed to obtain Deferments or Forbearances causing the interest attached to the original loan to be almost as much as the original principal. 
Original Loan Amount : {$50000.00} Interest and Late Fees : {$37000.00} Total Owed ( so far ) : {$87000.00} I was mis-informed and ill-advised on my student loan. After numerous years of deferments and forbearances. These are " loan Shark '' rates. 
Additionally, when Navient took over for Sallie Mae, there must have been some type of miscue because according to Navient I was delinquent several times which in turn was reported to the Credit Reporting Bureaus. This is a result of the switchover, not me.This is causing harm. I was appling for Deferments and Forbearances, even though ill-advised, there is no reason for the delinquent reporting. It is an error on the new Navient servicing company. 
Conversations on XX/XX/2020 both in online chat and the telephone with Navient representatives proved unfruitful. I requested to that late charges of {$780.00} be removed and the erroneous reporting to the CRB 's be updated and removed. 
The remedy I seek currently, eliminate interest charges, late fees and restore my good name on my credit reports. There are other issues I will take up at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Hello, On XX/XX/2020 I initiated an International Wire Transfer to XXXX with Capital One for {$11000.00}. Money was immediately taken from my account along with {$40.00} fee. 
As of today the money has not reached my account in XXXX. 
I have made numerous calls and trips to Capital One and numerous emails and calls to the receiving bank in XXXX. 
Finally I requested to have the wire recalled on XX/XX/2020. 
The receiving Bank in XXXX confirmed that the wire was missing information and therefore could not be processed and that the money was eventually returned to US. 
As of today, XX/XX/20 I have not received my money back. 
It was sent from my account in US to account in my name in XXXX. 
It is very frustrating to have {$11000.00} of my hard earned and saved money gone missing. 
I will look forward to hearing from you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have previously written to the CFPB regarding this same issue which has yet to be resolved. The case number is XXXX. SunTrust closed my account and is holding onto {$12000.00} of my money and said on the phone today that they could hold these funds indefinitely which most certainly is illegal. I want my money sent to me via a check ASAP and if the CFPB could follow up further on this this second time around that Im complaining that would be great.

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 2020-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing you a formal complaint against Equifax, in regards to their company not following a well established laws of the Fair Credit Reporting Act ( FCRA ). See ( SECTION 609 and 611 ( a ) ( 1 ) but not limited to. Given the fact that more than 30 days had expired, ( XX/XX/2020 - XX/XX/2020 ), and no proof was given validating the accuracy of the accounts encompassed in the four corners of my document, everything must be removed from my credit report. See ( attached dispute letter, certified mail receipt, but not limited to. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score

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 2020-02-20 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: IA

Complaint narrative:
i was scammed XXXX by premier student loan forgiveness program ... i paid them five payments of XXXX, and XXXX a month for several months ... they stropped taking the payment out of my account, which i thought was fishy so i tried to call them and they're closed because of a lawsuit against them ... i really need to gat the money back, and not sure how to go about it

Company response to consumer: Untimely response
Consumer complaint received 2020-02-20 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: CA

Complaint narrative:
I am here extremely upset and Ive cried so much Im here to file a complaint against Experian Ive been calling and have disputed this matter with Experian there are some inaccurate statements on my report such as delinquency and home mortgage loan along with several inaccurate comments on my report Ive address this matter to Experian and have been since XXXX of last year and more recent XXXX of this year a few days ago I am extremely upset because this negative inaccuracies has caused for bank to denied my application for me to buy a home. I have no home I even cried on the phone to representatives because I couldnt hold back this situation has ruined my only chance of getting my dream home if this matter is not resolve soon I will take legal actions and sued Experian for what they have caused not to fix immediately knowing that I should not have those inaccuracies on my report. Its not fair and also all the hard inquires I have due to me applying confidently knowing I had no worries and I was denied and was upset and confused because I didnt understand why this is happening Experian never fixed the inaccurate negative comments on my report. I have attachments with all the inquiries that needs to be removed on my credit report due to not being approved and denied all because of Experian not doing what they were supposed to do. Please I ask that this matter is resolved I am good human being who simply just needs a home and was denied all because Experian fault I paid all my bills and never been late I have an exceptional payment history and my other two credit reports are outstanding with great credit scores I hope that this gets resolved Im in tears because Im literally was denied for my home and I have no home all for something I have no fault and control over and Experian ruined my life this needs to be fixed and removed so that I can start over with no hard inquiries and be able to buy my home because Experian ruined my chance to by my dream home now.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and XXXX  is NOT reporting this information AT ALL!!! Also Transunion has XXXX XXXX, ACC # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.

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 2020-02-20 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: CA

Complaint narrative:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX-XXXX  partnership. Then using my identity he was able to access my XXXX XXXX bank  account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XX/XX/XXXX filed with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

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 2020-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I joined Capital One credit card program back in XX/XX/2019 with their 'Platinum ' card. After receiving numerous emails and physical mail saying I was preapproved for a 'Quicksilver ' credit card which offered a {$150.00} reward for spending {$500.00} in the first 3 months. Because I was preapproved, and knew I would reach the spending threshold due to the holidays, I signed up for the Quicksilver card through their website. This was creating a NEW card account, not transferring, so I do not see why I would not be eligible for the bonus. However, after time passed and I did not receive my reward I decide to try and call Capital One. They claimed I was ineligible for the offer, because I was an existing capital one member. This seems extremely misleading as I was on their email/mail distribution list BECAUSE I was an existing member and those offer all claimed I would receive the {$150.00} bonus. But now I am ineligible so I will not receive my reward and the trouble I went through to open a new card was fruitless. I would just like to be acknowledged that I met their spending requirements for the reward, so why should I be denied because I was an existing card holder - one that they specifically sent misleading offers to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Good morning I'm writing that to you help me with a problem that I have, in XX/XX/XXXX I bought a car from the company XXXX XXXX XXXX and who finances my debt is PNC BANK, the car title was sent by XXXX XXXX XXXX to PNC BANK in XX/XX/XXXX and the PNC BANK returned the title because he had some bad, now the XXXX XXXX XXXX says that he has not received anything from the PNC BANK and the PNC BANK says that he does not have it either the title car, they have been blaming each other and the car title does not appear, leading as consequences not being able to register the car, be paying for a car without a title, take public transportation to go to work and do my personal laps, and also gave them my truck as a trade in and now neither XXXX XXXX XXXX and PNC BANK respond. 

I'm paying the loan opportunely. 

I appreciate helping me with this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2020 - provided ACH and Bank account information. O

n XX/XX/2020, an unauthorized {$6000.00} was transferred out using my ACH and account information. This is not a coincidence.

Between XX/XX/2020 and XX/XX/2020 there was no indication from Wells Fargo that they would not meet the closing date.

XX/XX/2020 - We were scheduled to close with Wells Fargo.

XX/XX/2020 - Wells Fargo began contacting me for additional financial information.

They began contacting my insurance company for insurance questions.

XX/XX/2020 - received the following email - " Currently delays are due to not receiving final approval in time to release your closing disclosure for XX/XX/XXXX close date. It was our delay in making a request for the additional assets necessary to verify post-closing liquidity reserves. '' XX/XX/2020 - They still had not cleared the mortgage They were not able to meet that deadline due to their lack of ability to complete the underwriting process.

XX/XX/2020 - seller communicates that he will cancel the contract and keep the escrow deposit.

XX/XX/2020 - Zero communication from Wells on approval XX/XX/2020 - I had to write a hardship letter to waive the 3 day right to review law. 
XX/XX/2020- cleared to close at XXXX XXXX  XX/XX/2020 - I was charged a service fee by Wells Fargo. I would like this service fee refunded.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Double Cash Card - Denial of promotional offer after meeting eligibility requirement : XX/XX/XXXX - An application was submitted in citibank.com ( Application ID # XXXX ) applying for the Citi Double Cash Card with a promotional offer of {$150.00} to be credited to the account on the condition that {$500.00} is charged within the first 3 months after activation of the card. 

XX/XX/XXXX - application is approved. 

XX/XX/XXXX - {$1000.00} is charged to the card. 

XX/XX/XXXX - I contacted the Citibank Customer Service team and was informed the promotional offer was not on my account. I was told I had to prove I used the correct link when applying. I explained I had no way of proving that and can not control that advertising links are correctly linked on their network. I filed a complaint to be internally reviewed and processed adamantly explaining the offer was on the citibank page when clicked. 

XX/XX/XXXX, Citibank sent a letter stating the account is not enrolled in the offer to receive the {$150.00} cash bank promotion and it states I did not apply using the correct link. 

XX/XX/XXXX - I called Customer Service again and was forwarded to a manager who explained I can file another complaint internally but would not get any different results. She explained Citibank would just mail me the same letter. 

I also wish to add that I have no credit card debt whatsoever along with a very high credit score, and am solely filing this complaint as a matter of principle. I feel defrauded entering into a contract with the promise of an award never realized. Consumers have no ability to control the advertising links on these offers as they are directed onto the Citibank network and are easily subject to fraud. Citibank makes no apology and shockingly asks consumers to provide information about their own network - clearly outside the control of the consumer.

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 2020-02-20 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates is reporting a paid off debt from XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX was Paid off a long time ago XXXX XX/XX/XXXX. Acct # XXXX Portfolio Recovery Associates began reporting XX/XX/XXXX that I still owed XXXX XXXX ... Acct # XXXX. 

I reported to XXXX that this is incorrect and asked for an investigation. XXXX disputed said debt and claimed that it is resolved and I disagree. This is still on my credit report showing as I owe {$450.00}. 

Portfolio Recovery Associates and XXXX will not return any evidence showing validity of debt or why in XXXX this is being reported when debt was PAID in XXXX. 

I have uploaded statements and proof of debt being PAID and neither company will fix this.

Company response to consumer: Closed with explanation