vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
In XXXX I filed a chapter XXXX bankruptcy. I applied for a loan with Upgrade XXXX  include XXXX XXXX. I was initially given a line of credit in XX/XX/XXXX of {$5000.00}. I was given another card in XX/XX/XXXX of {$2000.00} which was reduce to {$1600.00} plus. Due to the pandemic and having to help family members who lost their jobs and were evicted. I have not been able to pay the cards as I did before. I would pay at least {$1000.00} or more on my accounts but never the minimum amount. 

I am a service-connected disable veteran, and all my income is for XXXX from both XXXX and XXXX Department of XXXX XXXX Now that I paid less than what I was paying, both credit lines were reduced. However, when I did pay {$670.00} on XXXX account Upgrade took the money and then locked my account. Then a third loan was created for the amount of the decrease credit line which is charging {$440.00} at an interest rate of 29.49 % and a finance charge of {$140.00} making that loan total {$590.00} and setting up payments of {$24.00} for XXXX payment each month. Which means in addition to the XXXX cards I already have. 

The account with the {$5000.00} was reduced to {$4700.00} and now I wanting to know if Upgrade will set up another account and not tell me like above. 

During a pandemic when people have lost jobs and homes and lives this company is trying to capitalize off people who are having difficult trying to pay the bills. 

Because Upgrade allowed the payment of {$670.00} to be applied to the loan and then blocked the account and I set here with {$10.00} to my name because I had to help my daughter and XXXX children from being XXXX. Because I have many medical conditions the children could not stay. So I got and apartment for them and had to pay money to help. 

How are they going to use the bankruptcy against me when both lines of credit were issued after the bankruptcy and the credit agencies are assisting financial entities to reduce credit limits and then Upgrade create additional loans. 

Looking over the account it looks like this has been done several times and I am just learning about it. I can not believe this is being done to this account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I owed {$24.00} on a Citi Bank Shell gas card and believed that I had paid it. When they sent an email notifying me and I discovered my mistake, I paid it on XXXX and attempted to call customer service but was unable to speak with a representative so I sent a note asking them to waive any late payment fee. My next bill added a fee of {$26.00} and finally a fee of an additional {$40.00}, which was eventually removed. I sent a letter of appeal on XX/XX/XXXX explaining that it seemed ridiculous to charge more in late payment fees than the initial bill that was owed. When I finally was able to speak with a representative, she explained that the {$40.00} was removed but that according to their policy only one fee could be credited. My argument was that it should have been the original {$26.00} and that I had sent a note asking for it to be removed. I was told that notes were not accepted and that I should have spoken to someone, which I tried to do. As a result, my XXXX XXXX has been affected for a XXXX XXXX payment that was mistakenly passed due but paid. It was my first late payment since getting the card in XXXX. It is insane that late fees should ever be higher than what is actually owed.

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 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This is the 10th attempt to resolve the issue with Fair collections & outsourcing I have sent in FTC report and a police report stating it was identity theft and they are still saying I need to send them their affidavit. Today I sent the company an affidavit. Fair collections & outsourcing , Inc . is illegally reporting to my consumer report. Ive never given Fair collections & outsourcing , Inc . permission to report or even access my consumer report, Fair collections & outsourcing never validated any alleged debt, fair collections & outsourcing has defamed my character, caused multiple injuries to the point I was XXXX because of this alleged debt. Fair collections and outsourcing is using unfair practices by reporting to my consumer report. I sent a request for validation again XX/XX/XXXX and the company responded with a letter that has multiple violations I recently received XX/XX/XXXX. XX/XX/XXXX i the consumer sent Fair collections and outsourcing a cease and desist, affidavit of truth, a consumer violation invoice and EXHIBITS sent certified mail return receipt. Fair collections & outsourcing inc. has never tried communicating the alleged debt with me because There was no way to do so without i the consumer having an address there is no right for them to be reporting because they are illegally reporting. I have tried numerous times to dispute the alleged debt and fair collections & outsourcing willfully continues to XXXX, defame my character and use illegal tactics to collect the alleged debt. Thank you

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 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX has repletely sent collection notices ignoring my dispute with proof of insurance & self pay payments. I sent all prof to all 3 credit bureaus as well as Bull city, the credit agencies did their investigation and deleted/updated my reports. Now Bull City keeps deleting the account from my credit and then reporting the account to my credit. The latest report to my credit was on XX/XX/XXXX. 
I originally sent all proof to original creditor on XX/XX/XXXX, my 1st collection letter was sent on XX/XX/XXXX and on XX/XX/XXXX I responded with copies of all payments. I sent the credit bureaus my proof on XX/XX/XXXX and shortly after the account was removed. Since then Bull City keeps removing and adding the account to my credit. 
I wish to file a formal complaint as I have sent proof of payment to all involved, and after investigation it was determined account was in fact paid in full and Bull City is stil trying to get me to double pay as well as destroying my credit with the constant report/remove/report that they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX  ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent XXXX XXXX  6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- XXXXXXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that XXXX XXXX recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX XXXX XXXX and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXX off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage XXXX Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the XXXX XXXX XXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( XXXX, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On Monday XX/XX/XXXX I submitted a bank to bank wire transaction in the amount of {$10000.00}. The bank transfer was from Huntington Bank XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX I received an email from Huntington stating that my authorization for wire transfers had been suspended with no further explanation. I then called Huntington customer service and was told that in order for the transaction to go through, i would need to show verification that i am the owner of the XXXX account. I then went into my local branch that same day ( XXXX XXXX ) and provided the documents requested. Upon verification i was told that it would take till the next morning ( XX/XX/XXXX ) to complete the verification-I was also told that my transfer was being cancelled and the money would be returned to my Huntington account and i would have to put the transaction through again. The promise was that my money would be in my account by end of day Wednesday or Thursday ( XXXX ) morning. As of today, Thursday XX/XX/XXXX my money has still not been released back into my account. So i called again this morning to get an explanation as to why i still do not have my money on the date that was promised. I was then told that the transaction is still being processed and the transfer was never cancelled. So I am being lied to about when i will receive my money, i am being lied to about the status of the transaction, and i have been given no explanation as to why i am being given the wrong information. I understand that as of now i am still within a reasonable amount of time for the bank to process a transaction, however, i am now being told as of this afternoon ( XX/XX/XXXX ) that my money will not be released until approximately Tuesday. This is a major issue as i have bills to pay and no money to pay it with. I am going to incur late fees due to this and if that happens i explained to the bank that i will be filing a lawsuit in small claims court to have them pay for the overdraft/ late payment fees should i incur any due the Huntingtons failure to properly communicate with me. For my money to be released next tuesday ( XX/XX/XXXX ) is beyond reason and is not acceptable. THAT IS MY MONEY, NOT THE BANKS. They are talking to me as if its their money to do with as they please and im about at the end of my patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
I have been on the covid-19 forbearacne for the last 18 months. Before 18 months, I applied to reinstate payments and was told my loan would go to underwriting. 

Over the 18 months I kept asking to speak with people knowledgeable about my options as opposed to the receptionists I kept speaking to. I was always told I couldn't. I also asked if modification is likely and they always told me yes as they didn't see issues as to why I would not qualify for a modification. 

Now, two months after filling out a loss mitigation application, I am being told ( 1 ) my modification was denied, ( 2 ) I need to fill out an application, which I already did and ( 3 ) were on the brink of foreclosure. 

Flagstar lied to me and mislead me for the previous 18 months as it relates to my mortgage forbearance. Had I known this was going to happen, I would have re-evaluated my options.

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 2022-01-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
No response from my written request to XXXX XXXX XXXX XXXX florida to validate the debt. I wrote experian asking to send me the results of their investigation on the account and still did not receive anything in writing regarding the account for XXXX XXXX XXXX XXXX florida for {$1400.00} on my report. No reply from either company is continuing to hurt my credit as a 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 2022-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX Navient has not participated in fair practices for repaying my student loans. I graduated in XXXX and have been paying for several years now with virtually no change in the amount owed on the loan. The original principal on the loan was {$20000.00} and was disbursed in XX/XX/XXXX. The payoff was set to end in XXXX but now has been pushed back to XXXX and the remaining amount on the loan is {$20000.00}. The worrying and upsetting issue is that very little of the payments have been applied to the principle. For example, on XX/XX/XXXX, a payment of XXXX was made on the loan, but {$110.00} went to the principal and {$280.00} went to interest. Another payment example was on XX/XX/XXXX where a {$420.00} payment was made on the loan, but only {$58.00} was applied to the principal and {$360.00} went to interest. More examples can be provided without hesitation as this has happened on every payment that was made since the first payment on the loan was made. It does not make any sense whatsoever that after paying on the loan since XXXX that there is no change in the amount owed. At this rate, I will be paying on this loan for the rest of my lifetime and is a prime example of predatory lending. I contacted Navient about this issue and received no resolution nor any answer to why more was applied to the interest and not to the principal. They offered no option of resolving this issue and left it as a " we're sorry but that's the way it is '' kind of feeling. Even on a so called " variable interest rate '' this should not be happening. This is beyond criminal behavior and for a family that needed help sending their daughter to post secondary education, we have been taken advantage of for over a decade from Navient. If nothing is resolved, legal action will be pursued and we will not be afraid to bring this to attention. Navient should do the correct thing by forgiving this entire loan due to unfair payment practices and taking advantage of yet another family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

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