vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX provided me subprime private loans with a credit score of XXXX and a XXXX $ an hour job living in XXXX XXXX XXXX were originated between XXXX and XXXX by XXXX XXXX , my loan specifically in XXXX. I was mislead and deceived by XXXX when I was issued XXXX XXXX loans and this company knew Id never be able to afford paying them back ; and XXXX has ruined my life by this debt with interest over {$40000.00} XXXX dollars by splitting my loans up into several high interest loans destroying my credit and putting me on the XXXX program in XXXX for one year I laid XXXX $ a month for 12 months then went into default due to job loss and accumulated more debt and never-ending interest payments. NOW THE LAWSUIT IS BRINGING ATTENTION TO THESE CROOKS I CRIED WHEN I SAW THAT ALL THE CRITERIA MET FOR MY LIFE TO FINALLY HAVE A CHANCE FIR A FAMILY AND HOUSE. But when I read to go on the student aid.gov site to make sure my address was up to date I was SHOCKEDXXXX  HAD NOT PUT ME IN DEFAULT IN XXXX then with no yearly re-applying for the XXXX program showing funds they had forged or kept me in the XXXX program for 10 years with the state of Alabama which is not eligible for cancellation of private student loans. I havent made XXXXne payment in 10 years yet they have falsified INFORMATION ON THE GOVERNMENT SITE AND THE APPLICATIONS EACH YEAR HAVE NO SIGNATURE FROM MYSELF OR THE CORRECT STATE OF GA THAT I RECEIVED THE LOAN AND MY PROMISSORY APPLICATIONS I HAVE SHOW! Its overwhelming the illegality of this life ruing act. I put my new GA address on the gov site but read if its not default no cancellation!!!!!! WHAT??? The whole illegal scam was to keep us out of default!! Please help.. XXXX people is a joke!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans union is only showing I have a 3 year credit history which is severely impacting my credit score! 
Im XXXX years old and I have over 30 years of credit history My Trans union credit score is XXXX My XXXX credit score is XXXX My XXXX credit score is XXXX My credit monitoring services show Trans Union Only showing my credit history as being 3 years old and another shows Trans Union only reporting my credit history as being 1 year 6 mos old I have talked to Trans Union about this and they refuse to change or report my credit history correctly.

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 2022-01-21 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: AmeriCollect
State: MO

Complaint narrative:
I have a total of four different accounts in collections on my credit report from Americollect with the first dating back to XXXX of XXXX. I have never really bothered with my credit so I had no idea until I went to get a credit card and was denied or approved for only prepaid. I have disputed all 4 accounts from Americollect because I have always been covered with health insurance. 
XXXX XXXX, XXXX ( {$240.00} ) XXXX XXXX, XXXX ( {$560.00} ) XX/XX/XXXX ( {$2500.00} ) XXXX XXXX, XXXX ( {$2800.00} ) ALL ACCOUNTS WERE VERIFIED AS PAID IN FULL BY MY INSURANCE, Yet Americollect has yet to respond to my voicemails or emails ( XXXX XXXX, XXXX last attempt to get in contact with them ) OR remove these accounts from my report! It is unfair they ever reported these and they have only had negative impacts for myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: SC

Complaint narrative:
I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My credit card information along with email information and identity was compromised. They charged over {$5900.00} to XXXX, They also hacked my email and fanduel account when I tried to inform both my bank and fanduel that all of my information was compromised they denied my claim. I have no idea how hackers got access to all my information, but now I'm in financial ruin and I have no idea what to do. I informed them there was no way I could of approved the transactions because I was never in a state where XXXX allows the use of their service. 

Posted Transactions XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1400.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$450.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$300.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$15.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$50.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$16.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$500.00}

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 explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was incarcerated on XX/XX/XXXX. I was released on XX/XX/XXXX. Unauthorized, fraudulent transactions starting on XX/XX/XXXX and ending on XX/XX/XXXX took a total of {$4300.00} plus associated fees out of my account. I immediately filed a report by phone the night I was released from jail when I found out about the transactions and through the website once I was able to log in. The company denied my claim on XX/XX/XXXX saying that because my pin was used for some of the transactions, they were not unauthorized and I was responsible for them in full. I fully complied with all requests for information. They accused me of making the transactions myself and lying about it, even though I was clearly in jail the whole time this was going on. I submitted an appeal on XX/XX/XXXX. They sent me an email on XX/XX/XXXX saying they had received my appeal but they could give me no time frame on when it would be completed. That money was everything in the world that I had. My home, my car, all my possessions were lost when I went to jail. Please help me. I've always tried to do the right thing and it is unconscionable that Navy Federal Credit Union could get away with this without so much as performing an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.

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 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America. 

Hello, I have been a long time customer of BofA. 
My credit card number ends with XXXX. 

There has been a fraud in my credit card account. This is a fraudulent charge by the XXXX XXXX XXXX. 
I reported this to your Bank. Your customer service has been rude. They have not corrected the problem. 
After I noticed the fraud, I immediately canceled my subscription to the XXXX XXXX XXXX as noted below. 

You can see all this in the Credit Card Statements. 

XX/XX/XXXX DUPLICATE CREDIT : {$24.00} Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Fees Reference number : XXXX Merchant Name : get more information about merchant name change XX/XX/XXXX DUPLICATE CREDIT Select to Edit the merchant name Transaction Category : get more information about transaction category Online Purchase : N Proof of cancellation : : - {$460.00} XXXX XXXX XXXX XXXX  Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX  Merchant information : XXXX, MA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX Transaction Category : get more information about transaction category Shopping & Entertainment : General Merchandise Online Purchase : Y The amount that says " XX/XX/XXXX Duplicate Credit '' should be removed. 

It is either a mistake on the part of the XXXX XXXX XXXX or it is an outright fraudulent charge. That is why I canceled my subscription as noted above. 

If you don't credit my account with {$24.00}, I am going to cancel my Credit Card with Bank of America. 

I have other credit cards, including one from XXXX XXXX. 

I do hope you will promptly credit my account. 

Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I recently submitted a complaint against Navient regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to Navient. Navient emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now Navient has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.

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 2022-01-21 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 have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TN

Complaint narrative:
I recently submitted a complaint against XXXX regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to XXXX. XXXX emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now XXXX has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I called capital one ( in the morning ) and requested total amount due to make the account a XXXX balance, explained to the representative that I was actively looking to buy a house and needed a XXXX balance and that I had alot going on between working in 2 cities ( about 200 miles apart ) and looking for a house and buying a house, and everything involved in moving.and did not want to worry about having to pay the credit card bill every month since it would have a XXXX balance and I would not be using it till after I got my new house. I wanted a total amount He said no problem and gave me a figure of XXXX and I asked him if that was everything to achieve that XXXX balance and he said yes So later that evening I went on the app for capital one and paid that amount before the cut off time of XXXX EST and I left it at that because of what I asked and and even asked if that was everything On XX/XX/XXXX I got a credit score alert saying I had 2 months of late payments on capital one credit card so at that time I immediately went on the app to see what happened I figured it was fraud since I have not used the credit card in awhile and what I found out was there was interest of XXXX cents on the balance. I did not know that was going to be there because the representative gave me a figure that was supposed to pay off and give a XXXX balance. I immediately paid it off. 
When I called to get the latest removed right away or get a letter from capital one saying that the lates we're being removed to give to mortgage company they said I had to send a letter in to them so they could look into it and it will take 30days to respond from the date they receive the letter and that it may not even be removed. I asked even if it was there fault and she said yes. 
Well I had a offer on a house accepted and I asked if there was a way to speed up the process because of the offer and that those lates on my report will cause me to lose the house because mortgage company will not fund loan with them on it And they said no way to speed up the process I asked even if it was there fault, I got no response So that's why I am sending to to you guys Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, I received an email from my friend referring me to American Express Gold Delta Skymiles Credit Card. The terms and the condition, as well as the promotion, clearly shows that if I ( the customer ) spend {$2000.00} within 3 months, I will get XXXX Delta Skymiles. 

I applied for the American Express Delta Skymiles card in XX/XX/XXXX and I was approved immediately for the card and shortly followed up by an email confirmation ( see attachment ). 

After I got the card, I spent {$2100.00} in XX/XX/XXXX, which was within 3 months after I am approved for the card, in accordance with the promotion requirement of the credit card. 

However, after I paid off my balance of spending {$2100.00} in XX/XX/XXXX ( one month after I got the card ) the XXXX did not show in my American Express Delta Skymiles account. 

In XX/XX/XXXX, I called the customer service twice and the representatives says that they can not help. The representatives says Although you are approved for the card, you was not approved for getting the XXXX. And this was not inform you in any emails. You ( the customer ) would not receive about this information unless you have called us ( the American Express ). I have asked twice about this statement and the representative replied me with the same answer. 

I have also used online chatting customer service. No one helped me. 

I believer this is a Bait-and-Switch Scheme. American Express send me an offer of the American Express Gold Delta Skymile Card, I applied and the American Expressed approved. However, after I spent the money using the card and paid off completely along with the annual fee, I did not get the promised offer that I supposed to get, which is one of the main reason that I have signed up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it's affecting me a great deal as I used PayPal quite frequently, and my Balance has been holding for 180 days, despite the chargeback on my account is extremely low and the costumer 's satisfaction is very high, paypal didn't request any document or anything at all, they suddenly closed my account and XXXX me up. if they don't reopen my account at least they should let me to move my money some where else..my email associated with paypal is ( XXXX )..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MI

Complaint narrative:
Recently I became aware that one of three of my student loan providers, Navient, reached a settlement to forgive loans provided from XXXX. I qualify for the settlement. On XX/XX/XXXX, I found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid off my Navient loans ( $ XXXX ) as of XXXX!? 

Some time ago, I reported XXXX  to the credit bureaus because they were showing up on my credit report and I NEVER applied or received a loan from XXXX for school or anything. XX/XX/XXXX, I reported them to the Department of Education because my Navient loans should be forgiven through the settlement instead of being transferred to XXXX. The loan amount from Navient ( $ XXXX ) still shows up on my credit report but under a new name, XXXX.

Company response to consumer: Closed with explanation