vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: CT

Complaint narrative:
I have been sending documents to Navient on behalf of my loan discharge. I was told that I qualify for a loan discharge for ( ability to benefit and disqualifying status ) from a customer service representative from Navient after explaining that I have not been able to find employment due to having a criminal background. When I first submitted my application back in XXXX of XXXX, it was denied due to not having the State of CT statues that states the type of employment that you are not able to have due to having a criminal record. I re-submitted these documents days later with the statues attached. I was contacted by Navient and told that my application for discharge was denied due to not having the documents showing my criminal record before my loans were XXXX. I then submitted these documents to Navient in XXXX of XXXX. In XXXX of XXXX, I was told that my loan discharge was denied because I needed proof that the school was made aware that I had a criminal background before my loans were XXXX. I submitted a letter from the Associate Dean of the University of XXXX, that was written on my behalf for a pardon that I was applying for. I was again, denied because it did not state that the school was made aware that I had a criminal background before starting the program. I contacted the University of XXXX and received a letter in writing from the Associate Dean, stating that in XXXX of XXXX I notified the school of having a criminal background before starting in XXXX of XXXX. I uploaded this required letter to Navient in XXXX of XXXX. I was contacted by a supervisor and was told that the discharge was again denied and that I would need letters from jobs that I applied for, showing that I have been turned down for employment because of my criminal background. I contacted over XXXX human resource offices for past jobs since the completion of my degree and was told that, " I would not be able to obtain this information, because it is only kept in the system for 30 days. '' I have not found a job and was told by the University of XXXX that they assist with job employment resources to help find employment upon completion of the degree program. I have not been able to find employment due to having a criminal background, I obtained a XXXX XXXX in XXXX. I have a debt that I am not able to pay because I can not obtain employment due to having a criminal record. My discharge has been denied 8 times by Navient, I promptly submit the documents that have been requested and Navient continues to deny my discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have overdraft protection for my checking account with SunTrust. Yet I was charged {$180.00} in overdraft fees which 5 {$36.00} overdraft fees were charged. I had money at the time when these transactions were taken out. The money was debited from my account. I don't know how I was charged {$36.00} for 5 transactions. Which I had money in my account to cover those transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME

Complaint narrative:
I have been unable to get in touch with my mortgage company to ask about a streamline refinance for a new rate and also to remove my PMI. Everytime I call, I'm on hold for 45 minutes or more and have to hang up because I only have so much time on breaks from work to speak to them during business hours. I know these are two separate issues but I can not get a live person on the phone to address my questions about either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My boyfriend and I were scammed out of a dog, I send XXXX from my XXXX  account and he send XXXX from his account. I tried to get my XXXX back through XXXX, filed a police report and reported it as scam and fraud and XXXX still refused to give me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: AL

Complaint narrative:
The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by AES/XXXX  actions. I need you to take this matter seriously, and send me a response. 

I was to get a deferment DUE TO COVID-19, which was not given to me. I have been through a difficult ( overwhelming situation ) due to this virus.

Accounts involved are the following : 1 ) Account # XXXX, opened XX/XX/2005, original balance {$10000.00}. 
2 ) Account # XXXX, opened XX/XX/2005, Original Balance {$21000.00}. 

AES has committed the following violations : 2. Unfair business practices. 
3. Reporting discrepancies across bureaus. 
4. Failing to mark account as disputed. 
5. Failing to provide fair customer service. 
6. Negligence. 
7. Breach of contract. 
8. Reporting incorrect and inaccurate information. 

I want both late payments removed from my reports. 

Please send the attached documents to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: WI

Complaint narrative:
I was interested in getting a Loan through lowvarates.com and I applied online. I was a mortgage broker in the past so I was very familar with the process. I was working with XXXX XXXX LOAN OFFICER NMLS # : XXXX, Branch NMLS # : XXXX, NMLS # : XXXX XXXX Office : XXXX Cell Phone : XXXX. I applied for the loan as he requested and filled out all the information that was requested to get a loan estimate on XX/XX/XXXX. I continued to ask for a loan estimate as he promised me a fixed rate of 2.5 % with some very low fees. I requested the loan estimate numerous times over the next 7 days through the chat feature online. He said I had to upload more and more additional documents. I finally uploaded over 25 additional documents that he requested. I had just went through the loan process a month ago and did a cash out refinance, and now I was looking to refinance again because I could do a NON cash out rate that would drop my interest rate from 4.125 % to the 2.5 % he quoted me. After uploading all the additional documents, he STILL REFUSED TO SEND ME A LOAN ESTIMATE and said he was not going to do it because he didnt want to do the loan because it would take too much time. I told him he was required by law to send me one and he still refused. After all this time, he stopped responding to my request and tried to pawn me off to another company. At that time, I wrote a negative review on XXXX concerning his conduct. 

He also erased everything from my file, so everything that I upload is no longer available after I spent 2-3 hours uploading these additional files I created. 

The SAME DAY as I posted the negative review, XXXX retaliated against me and RELEASED MY PERSONAL INFORMATION to his company and they pulled business from me as a notary. I had a signing with lowvarates.com to close a loan for them as my job as a notary. That loan was canceled by Lowvarates.com at his request, which has never happened in my previous 13 years as a notary. I have documentation showing the " fake '' loan with the 2.5 rate AND the cancelation notice from his company the day my review was posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patriot Finance, LLC
State: GA

Complaint narrative:
XXXX  XXXX  XXXX  is illegally trying to collect on a debt I originally had with Patriots Finance. This debt was in collection with Patriots in XXXX. I received a call from XXXX XXXX around XXXX of XXXX saying they were working with Patriots Finance to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from PF. A month letter, I get a credit update saying I owned XXXX XXXX a loan balance from XX/XX/XXXX. XXXX XXXX is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with XXXX XXXX. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX My XXXX  sent this company a letter stated that this account is not mines its has been over 30 days and the fair credit report act states by law that you have 30 days to respond to my letter i have also contacted this company and told them my self that the debt is not mines if this issue doesn't get resolve i have no choice but to use legal actions my XXXX  and i are giving you a fair Waring please contact the main credit bureaus and tell them to remove this from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I just filed a complaint ( # XXXX ) against PPH Mortgage on XX/XX/XXXX regarding lost payments and here we go again. The complaint was closed on XX/XX/XXXX with the late fees being reversed. I just received my XX/XX/XXXX mortgage statement from PPH Mortgage Services ( PPH ) ( f/k/a Ocwen Loan Servicing ) and saw that there was a charge for a BPO in the amount of {$110.00}. I called PPH customer service ( XX/XX/XXXX ) to ask what was a BPO was and why this expense was being added to my account. Customer service explained that it was a Broker Price Opinion but could not explained what it was or why it was being applied to my account. ( BPO, means, a real estate professional looks at your house to give an opinion on the value of your home. ) There is no need to have a BPO done on my home. It is not in foreclosure or bankruptcy. Customer service, stated that it would take XXXX days before I could get an answer which was not good enough. I have an XX/XX/XXXX mortgage with PPH. The BPO fee was applied to the 2nd mortgage ( as if I would not see it XXXX, and not the main mortgage. I feel like this is harassment and retaliation for filing the complaint with the CFPB because PPH could not get the late fees for XXXX and XXXX, so now they are trying to add an unjustified illegal BPO fee. During this COVID-19 pandemic, homeowners can barely pay their mortgage and to add unnecessary fees is just highway robbery. I have paid my mortgage every month, and unfortunately, I need to take certain precautions in dealing with PPH. Apparently, PPH does take any complaints from CFPB serious because they turn around and try to gouge consumers with unjustified fee. Attached also is the delivery receipt of my XX/XX/XXXX payment in case PPH claim that they did not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: FL

Complaint narrative:
Earlier this year I received a computer generated form letter from JP Morgan Chase dated XX/XX/XXXX ( please review attachment 1 ). As of the letter 's date, I was out of town & returned outside of their 15 day window. 

I responded via e-mail to their executive team ( please review attachment 2 ) Received a call today from 1 XXXX at their Executive office ( XXXX XXXX ). She was obtuse & obnoxious. She refused to have the card reinstated even though I explained to her that due to the pandemic quarantine & travel restrictions, being out of town, I was physically not in receipt of their letter during that 15 day window to effect usage of the card. This is outrageous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Citibank debit card holder for around 1 year ( opened XX/XX/XXXX ). On XX/XX/XXXX I was restricted from accessing my account. I called technical support to see what the issue was. I was told " my account is subject to closure and you will receive a letter in the mail along with the funds in 30-60 BUSINESS DAYS. '' THIRTY TO SIXTY BUSINESS DAYS ... That is a long time to hold onto my funds without giving me a reason as to why my account is closed. 

Since then, I have tried to contact them on multiple occasions. On these dates, I called different citi departments who routed me to the risk department department ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On each occasion, I verified my account, was told I would receive the letter in the mail in 30-60 business days and that they were going to hang up now because that's all the information they could provide. 

Why can I not get an answer as to why my funds are on hold and account is closed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Upon a recent statement check, I noticed an Interest Charge on Balance Transfer. Such said balance transfer was never initiated by me. The Balance Transfer is a fraudulent transaction on my behalf. I never signed a check or authorized a balance transfer. I asked First Bankcard representative to provide a record and proof that such a transaction was initiated by me. The representative quipped that they no longer have a record of the transaction, they " only have a note on the date and amount '' They refused to provide a record copy of the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: TX

Complaint narrative:
I received a letter from this collection company seem like they are trying to reaging a debt it has already been taken off my credit reports. it has pass the time for to be remove and now this collection agency trying to collect until they have some validate docs showing any type of signature stating that i owe this debt they trying to offer a settlement all of a sudden you trying to contact me not stating any information for any reason someone could have been using my ss number to open a account til i get any documents bill statement is not showing anything need this company stop trying to contact me i will dispute this if i have to you messing with my credit reputation im trying to fix my credit at this moment

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation