vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I took parent plus loans for my childs schooling and ended up consolidating them and Navient ended up with the loans .I contacted the Navient several times during repayment about the payments not being applied to the balance.I recently decided to look at the life of the loan and contacted a Navient Advocate about payments made that were not for the right amount applied. 
Because of this I had late fees for the life of the loan. 
The payments were short more than 80 % of the time. 
The payments showing were always different than the actual payment only a few were correct. 
I made a large payment to pay off the loan accounts because the balance was increasing substantially from fees and never having a reduction in the original amount loan amount. 
I noticed the payment was shown by the advocate as being {$6000.00} Short. 
I am frustrated and want a refund of the overpayments I made. 
The amount is a lot not including the extra fees tacked on. 
This needs to be addressed it has created a lot of hardships for parents and students. 
Education is very important to the future of our country to prevent our economy from having the problems that exist currently. 
Support the education system and dont create hardships for families.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I filed a complaint against XXXX Reverse Mortgage LLC and they have not responded as of the morning of XX/XX/2022. They did however change names and/ or let another corporation that they are " in bed '' with assume the foreclosure proceedings to their benefit. Without giving me and children the proper amount of time to respond. I have suffered a tremendous financial hardship and these people will not even hear my plea for help in the form of a forbearance. The pandemic has literally ruined my business and I'm in the debt to my utilities to the tune of final notices ... ... but to keep my children in a positive state of mind I just keep fighting through. These mortgage " companies '' are the only ones not willing to wait for my money to come in so that I can get current. And on top of that the whole original loan was done illegally because my father was not the owner of the deed of trust ; that deed was left in my name for the XXXX XXXX  children I have full custody of until they were of age to assume ownership. Plus, just yesterday a guy showed up offering to help me by buying the house from me and when I told him that the only way I would be removed would be by mortal force ... .and he responded hey be careful your home is worth a lot of money... ..this is so unsettling and stressful. My mother left this house to my kids and the deal my dad made was unlawfully carried out. I have a right to be heard in a court of law, not be sent fancy papers giving me an incorrect payoff amount and little time to get legal help. This is truly u American and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I had an account with XXXX XXXX  with a balance of around {$2500.00}. This past due account was sent to I Q Data where they've updated the account balance to {$6000.00} which is completely absurd and deceptive. 
Not only did I Q Data re-age this account by updating the " date of last activity '' to reflect the date of XX/XX/2022, they also added fees in excess of over {$3000.00}. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I'm absolutely livid with the experience so far with Ally/XXXX They bait and switch on their rates and credits/points. I downloaded my purchase agreement with a rate lock indicating 3.375 % with a {$240.00} credit. However, after the download into their system, to my disbelief, I locked in at 3.375 % with a {$300.00} charge. It really irks me when i get baited and switched, especially since I have had a banking relationship with Ally for several years. That bait and switch would of never happened with a live person. In addition, they do not respond. I have emailed and called into the aforementioned complaint. They're quick to get an appraiser out to the house to get your hard-earned money. and they simply ignored my request to delay the appraisal for 10 days. In addition, I requested them to send me an invoice of the cost of the appraisal because their policy is to refund the difference if it is less than the initial charge. I received an email from their employee. XXXX XXXX that it is the bank 's policy not to send you an invoice of the charge. That is simply unbelievable and there is a class action suit going on in regard to that. I expect better from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called five times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXXXXXX  monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. I was informed that my account could not be reopened, with no other explanation or options. Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been $ 58 monthly. I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. That is why I filed this complaint. 


US Bank responded to this original compaint XXXX with no explanation. They only sent me two attachments of all my monthly credit card statement. They did not address any of my issues.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been unable to request my report from XXXX XXXX XXXX and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax. I have called Equifax multiple times and waited on hold for 3-4 hours to have them solve the problem and they have found no issues with my account. A supervisor was finally able to tell me that the issue is with my somehow having two erroneous/duplicate accounts with Equifax which must be merged. When he put me on hold to fix this, I was hung up on. I have tried calling to get through to a supervisor multiple times and one never becomes available. No customer service representative can find a fraud alert, block, or see the duplicate accounts associated with my account. Nobody from the company has offered to call me back and their policy is to tell me to hold until a supervisor becomes available, checking in every 5 minutes. This has been very disruptive to my week and caused me to be fired from my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
Experian ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #

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 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that XXXX rep failed to do her job and also told me since the debt was paid off the account would be removed

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 2022-01-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXXXXXX XXXX. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that CS rep failed to do her job and also told me since the debt was paid off the account would be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have checked my credit report and I notice that they are several inaccurate information on my report. Please review the following information : XXXX  Account Number : XXXX I have send letters to not only the creditor, but also to the TransUnion XXXX XXXX XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. 

According to 15 U.S. Code 1681a, please remove this from my credit report per the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( XXXX ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-01-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #

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 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by BARCLAYS. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that BARCLAYS does not operate with integrity. 
This correspondence is also in regard to adverse action committed on. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both

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 2022-01-31 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: TX

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with Equifax my score was nearly XXXX & my XXXX score is almost XXXX. On today, XXXX XXXX reported negative & inaccurate information which dropped my Equifax score nearly XXXX points, I was told by them to contact Equifax & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in XXXX XXXX is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase sent me a letter on XXXX XXXX and fraudulently closed my credit card account ending in XXXX that I have had since XXXX stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very stressed that the card was shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I recently received a copy of my XXXX consumer report and I noticed a collection posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: OK

Complaint narrative:
I have checked my credit report and I notice that they are several inaccurate information on my report. Please review the following information : XXXX  Account Number : XXXX I have send letters to not only the creditor, but also to the XXXX XXXX Equifax XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. 

According to 15 U.S. Code 1681a, please remove this from my credit report per the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation