vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: AES/PHEAA
State: OH

Complaint narrative:
I am part of the public service loan forgiveness program since XXXX. My loans are through fedloan servicing. In XXXX my loans went into forbearance which I never requested. I immediately called fedloan serevicing and stated that I did not want my loans in forbearance since I need 120 qualifying payments to be eligible for forgiveness. They apologized for the error and my monthly withdraw went right back into effect. I thought everything was fine since I continued to make my payments. When I filed my yearly PSLF form as they suggest you do, it had zero elegible payments from XX/XX/XXXX - XX/XX/XXXX, almost an entire year of payments. I call inmmediately and ask why these aren't eligible. They state that it was because I was in forbearance during that time. I explained that I never requested the forbearance and I had them remove it and then continued making my payments. I did not miss a single payment due to this " forberance ''. They stated they would send this back for review. It has now been over 3 years and I am still fighting for these payments. I have emailed and called dozens of times at this point and I always get the same response - " we will look into it. '' This is putting me almost a year behind getting my loans forgiven. I am extremely frustrated and I am not sure what my options are. I feel like the PSLF program was designed to fail and I may never reach forgiveness even though I has always made my minumum payments and fill out my eligibility forms yearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC
State: NJ

Complaint narrative:
I have an loan with NFM Lending and they have messed up my account. I have live hear for 14 months and have made 15 payments but they say I'm delinquent. I have talked to several supervisors and this issue is not fixed. I have reached out the VA administration for help and this company has not given them the information to fix my account. I sent NFM Lending my payment history and still they say I'm in delinquent {$990.00}. I have reached to the person who works for the company that sold me this home and the problem is not solved. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation
State: FL

Complaint narrative:
Sorry, I didn't see any drop down selection for a complaint related to PMI waiver under the HPA. 

I called my mortgage servicer, Amerifirst Home Mortgage, on XX/XX/21 to ask them to commence a PMI waiver. They asked me to provide a list of improvements made since I purchased that property a year ago. I asked them to confirm if they needed receipts or other documentation. They said no. 

A few days later on XX/XX/21 I received a canned email saying they got my list of improvements and that I should call them again to pay for the BPO / Appraisal. When I called on XXXX they said they would not order the BPO / Appraisal until I submitted itemized receipts for the improvements. Per discussion with the manager, they said this was a requirement from XXXX / XXXX. Per the provisions of the HPA I don't see any reference to these additional requirements to obtain the BPO / Appraisal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In the process of trying to buy a house and just found out about this debt. The company that owns the debt stated that I had to file a report and send it to the dispute department. They said once they get this they will start an investigation. 

Apparenty it is XXXX XXXX  for a XXXX  XXXX Credit Card - I have not ever applied for or had a XXXX  XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have reached out to Penny Mac for help regarding a Modification. This has been on going for 8 months. They first tell me I do not qualify due to Income so I added my Spouse. We provided them all the documents they ask for. I even informed them that My spouse and I recently got married so everything all my spouse personal information DL or SS card has been changed to legal new name. Penny Mac sat on all this information and offered no resolution. We still in a Pandemic a most offices are allowing you to only mail in documents to be proceed, Like the Social security office you can not come into the building everything has to be done thru mail. We have provided Penny MAc with every document to show that we are working on getting my spouse legal named changed. the email from the underwriter states my spouse SS card the last name doesn't match and now this letter states DTI issue.I spoke to XXXX " LEVEL II '' mgr and he went over the finances for the reason of the Denial and the Underwriter " XXXX XXXX '' did not add my spouses income like she advised that would be needed. I explained to him that I have been in contact to mare that everything the underwriter asked for she received and to find out she did not even use my spouse income like " she recommended '' is just frustrating. I want PEnny Mac to pull the Calls from today XXXX and XXXX to heat how UNHELPFUL their Employees have been During a pandemic. The Mgr just brushed me off with " Ill file a complaint '' which does not resolve the issue at hand. PennyMac was so quick to deny me for help but quick to suggest foreclosure. It's frustrating because they offer no help to try to resolve the issue. Please help as I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent of investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit/debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing NFCU services. 

I have since filed a case against XXXX too. Although NFCU has helped recovered the sum of {$1200.00} USD, I have yet to recover the rest money. I am yet to recover my hard-earned money in the sum of {$1700.00} USD. 

A pre-arbitration procedure should be conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im a victim of identity fraud and theft. I do not owe this debt collection and I want to report that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested a free credit report from trans union by mail ... My first experience was to go to their website where they hide information about CHARGING for a credit report in small print. They ask for a credit card and one can not proceed unless you submit one ... They charge your card monthly regardless of the the FREE report they are supposed to provide.. 
.. I contacted transunion who said they are permitted to charge credit cards and blamed me for not reading the tiny print and they refused to close the account and I was forced to file a dispute. I immediately contacted my Credit Card and disputed the charge, they then stopped charging my account ... HOWEVER they never gave me access to the credit information and they still refuse to do so. I requested a Credit report by mail and they sent the report refusing to give my Credit Score. The problem is transunion has given my credit score to several credit card companies who are sending me offers I signed up for the no call list but am still receiving these. I have verified that the other credit reporting agencies are not giving out this information This means transunion is giving out my credit score to others without my permission yet refusing to provide it to me without charging me for it. I want everyone to know that transunion is violating the no call list and that they have refused to provide a credit score. it is my understanding that they can not give out information and refuse to give me that information. This clearly would include giving out a score to credit card companies yet refusing to give me that score.. They have violated misusing my personal information as they are required to provide me with any information they give to others which absolutely includes a score they give out to others. The CFPB needs to stop both transunion forcing a credit card to get information and transunion charging accounts unknowingly. Also Transunion must be stopped from giving out information to Credit card companies that make offers via email and phone. A no call or contact list is supposed to be valid for 5 years and Transunion is violating personal privacy, and on top of that refusing to provide the public with the information they provide to others.

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 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo allows you to purchase cryptocurrency through their mobile app. 
I have purchased crypto from their site but I am not able to sell it ( an internal error on the app freezes/kicks me out of the app after entering my tax information ). I advised Vemo of the issue on XX/XX/2021 and communicated with them approximately 13 times via email in regards to this ongoing issue. On XX/XX/2021, I was told that I need to verify my identity to sell the crypto and then was told that the best way to identify myself was to get a Venmo debit card. I am aware of no language in the service agreement where I am required to get a Venmo debit card for Venmo to release funds and Venmo is refusing to release funds and they have no basis to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: VA

Complaint narrative:
I have sent letters to Credit Reporting Agencies XXXX  and Equifax  for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts. 2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im a victim of identity fraud and theft. I do not owe this debt collection and I want to report that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.

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 2021-08-09 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: TX

Complaint narrative:
TransUnion has failed to thoroughly and openly investigate several misleading accounts listed below on my credit report. They have engaged in frivolous and nefarious activity in terms of re-investigating these accounts. I am hereby enlisting the help of the CFPB to hold them accountable and will be sending this complaint also to the FTC and my State Attorney General to resolve these matters expeditiously. I have sent TransUnion several challenge letters some of which I attached below. All my letters are in accordance with FCRA guidelines and provide proof to enable TransUnion remove these inaccurate accounts. Sometimes TransUnion vaguely " remarks '' some of these accounts without providing me with any actual proof of how they allegedly verified said accounts. This violates several federal laws and is willful violation of the FCRA. Any new or future remarks on any of these accounts will be taken as admission of wrong and liability. I have also sent several direct challenge and dispute letters to the creditors associated with these misleading accounts which I attached below. These creditors have refused to correspond directly or validate these alleged accounts and debts in accordance with the FDCPA. TransUnion continues to illegally collude and communicate with these creditors who are also all in violations of my cease-and-desist letters which I sent them directly.

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 2021-08-09 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: NC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depos

ited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XXXX, I signed up for a store credit card at XXXX. The card was administered through Comenity Bank. I made an initial big purchase of {$250.00} and paid it off in full on the Comenity website. I then charged {$59.00} to the card and was under the impression that I had set up the card to pay automatically. When the account became past due, I did receive calls from Comenity, but I thought they were spam. This is the reason I am writing to you today. I do not dispute the fact that I incorrectly assumed the card was set up for auto pay. I DO maintain that Comenity should have called me from a phone number associated with the bank and provided me with more information about what was going on when they left messages. The phone messages that were left for me said, Im calling in regards to an issue wit
h your Comenity credit card. No other information was mentioned not the name of the store or any other identifying information. When I googled the phone numbers from which the calls were coming, they werent associated with Comenity as a company. I then googled Comenity collections scams and found a lot of language on the internet about a scam around a Victorias Secret credit card ( which I used to use, but closed out years ago. ) I get spam calls every day and have participated in mandatory scamming training for my employer. All of the advice says not to trust someone calling you from a number not associated with the bank itself. Therefore, I assumed all of this was a scam until I finally saw my FICO score dip. When I checked on my credit report, I saw the card and immediately paid it off in full. 

I regularly carry balances of thousands of dollars on my credit cards and I always pay them off in full each month, usually utilizing automatic payments. This is the first time that Ive ever had something like this happen to me, and the first time that my credit score has dipped below XXXX. 

I wrote to Comenity and explained this to them. They wrote back and said they were unwilling to remove the negative remark on my credit report. My husband and I will be taking out a mortgage later this year, and Im so afraid that this dip will impact our interest rate. As I mentioned before, this has never happened to me. I have an otherwise spotless credit report. Im afraid that this one mistake will cost us in the interest rate were able to get on this much larger, much more important loan. 

Thanks again for your help today. Please let me know if there is any other information I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
I was a Citibank XXXX card member up until XXXX where my account was cancelled by Citibank. I pay an annual fee of {$490.00} for the billing period of XXXX to XXXX in exchange for card benefits. I requested a prorated refund of my annual fee for the quarter of the year I paid for but did not receive benefits for because Citibank cancelled my card. I was told that even though Citibank elected to cancel my card, because it had been more than 37 days into the annual period from last XXXX they would not refund me any of the annual fee. I do not dispute Citibank canceling the card but I would like a 25 % of my annual fee refunded to me as they kept 12 months of the fee but only delivered 9 of 12 months of service.

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