vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/2021 I logged in to website with the intention of paying the entire balance of the card. I chose payments, and then chose the full amount due. I successfully paid the balance owed. Then, the company charges me interest on a balance that they say was remaining, even thought the pay if full balance was paid. Unknown to me, they charged this interest of approx. {$19.00}. Then a late fee, then more interest-bringing a balance owed to {$43.00} -- again I had no idea of any of this and understood my account was paid in full -using their drop down payment options. I was completely unaware of any of this until I was notified by my credit score watching app. My credit was dinged significantly-do to their issue with their online information-I received this notification on XXXX-I logged in and paid this egregious amount immediately. They should not offer online balance in full options, if they do not intend to honor the number they provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
This is not the first time that Navient has ignored the governments decision to stop the payment to student loans. They are not supposed to begin charging until XX/XX/2022. I received an email informing me to check my Navient account, and to my surprise it states that I am past due - that my payment was due in XXXX and they will be taking action to collect payment. My next payment, according to Navient is in XXXX. I have XXXX loans through them, a mix a stafford subsidized and unsubsidized loans. They also report non-payment to credit agencies, which hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My student loans were recently transferred from XXXX XXXX to a company called Nelnet. Upon registering for this new loan service provider, I was taken to my 'account page '. Here is where my current contact info ( transferred from XXXX ), loan balances, and new monthly payment ( to start in XXXX ) were displayed. My new monthly loan payment being much higher than my last payment with absolutely no breakdown or explanation as to how Nelnet came up with this payment was the first red flag. Secondly, there is no history of previous payments on the loans that are now being carried by Nelnet. I went to the XXXX site and logged into my account there- no history of payments, communications, uploaded documents, etc were able to be found as they have been removed. This feels highly suspicious to me. Removing all documentation from the previous 5 years of payments from the XXXX site, and there being no record of transfer of that documentation to Nelnet seems, at least, unacceptable and, at most, predatory. I have reached out to both sites and have requested this be rectified or I will not be making payment on my student loans. I understand that CFPB is not at fault here, but it should be noted that this is a very sensitive time for student borrowers and actions like these do not instill confidence that student borrowers are not being taken advantage of. If you need any documentation from me, I am more than happy to provide everything I have and am willing to speak to whomever has questions for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Rushmore loan management will not provide us with a timely and updated copy of the last 12 months worth of payment history for us to have our new mortgage approved. We filed a notice of error because our payments weren't being debited, this seems to have been updated, but Rushmore will not provide us with paperwork with the accurate updated payment information. They also refuse to communicate through email or written channels, which is very sketchy. We need this information for our new loan and they will not give it to us. Their online portal is supposed to provide thisinformation, but just keeps directing us to their very unhelpful customer service line. We need this information as soon as possible ( 12-month payment history ), and we need it to be accurate. Requesting this paperwork should not be such a hassle, and we should be provided it in a timely manner, considering this is often a part of the loan approval process. 

Servicer : XXXXushmore Loan Management Services Name : XXXX XXXX XXXX Loan Number : XXXX Address : XXXX XXXX. XXXX XXXX, PA XXXX Social Security Number : XXXX We have put in a request via fax, with a number that was given to us, and I'm attaching it below. 

I'm also attaching previous proof of incorrectly debited payments, from our previous notice of error and complaint we filed. That is the zip file that is attached. The portal seems to have resolved, but again we have no statements or copies of payment history to prove this. I'm attaching screenshots to show the lack of available documents in the portal as well.

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

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX CB-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On my XXXX statement the balance was XXXX and I paid the balance but apparently I was a day late. I was assessed a late fee of {$34.00}. I didn't know I had a late fee ( because I thought I had paid off my balance ), so I didn't pay the late fee and was charged another late fee ( on top of a late fee of another {$34.00} plus a minimum fee of {$2.00} ( totalling XXXX ). I now have a balance of {$70.00} made entirely of fees. Charging a fee on a fee when I have never been late to this point is ridiculous. CS won't assist. This company is horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an SMS message from Huntington that there was a suspicious transaction on my debit card. I immediately called Huntington and confirmed the transactions were not initiated by me and I was unaware of them. My card was closed a new card was ordered. Within 5 minutes, I received a call back from Huntington to confirm the new debit card order. I decided that I didn't want to get another card. I was told that in order to cancel the card, I had to type in a confirmation code, which they had provided to me. I assumed that was the end of my problem. However, a few minutes later, I looked at my account and saw that {$840.00} had been taken out of my account via XXXX. I don't even have XXXX and if Huntington provides this product as a service, they did not do me any service by just allowing it to be on my account. I have never used XXXX in my life. But someone sent {$840.00} from my account to an account at XXXX bank. When I called Huntington back immediately, I was told that the XXXX account belongs to someone name XXXX XXXX ( whom I do not know ). They said the Huntington XXXX account had my name on it, but someone else 's phone number. That phone number is XXXX. According to XXXX, area code XXXX is in Alabama. I live in Ohio. I have no idea who's phone number that is or how or WHY Huntington allowed someone to set XXXX up with a phone number that doesn't match my records. 
I filed a dispute with Huntington immediately because I did not and have never authorized anyone to send a XXXX transaction from my account. I did not and have never sent a XXXX transaction myself either. Imagine my surprise when I received a letter in the mail that Huntington denied my dispute and said " this is a valid transaction ''. How on earth could this be a valid transaction? I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a private Signature Student Loan currently with Navient loan company and formerly Sallie Mae. The loan is currently at the amount of {$31000.00} with a variable interest rate of 8.625 % earning approximately {$260.00} in interest monthly with my monthly payment being {$430.00}. The loan was disbursed while I was attending the XXXX University in XXXX after I transferred from Virginia XXXX XXXX in two payment on XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$12000.00} for a total principal balance of {$24000.00}. It was then sold to Navient XX/XX/XXXX for {$35000.00} approximately {$11000.00} over the original principal. I was in 6 months of forbearance from XX/XX/XXXX to XX/XX/XXXX and have been paying monthly ever since. My loan principal despite being paid toward for this length of time has never decreased to the original amount of {$24000.00} and is currently at {$31000.00}. I believe this loan company, Navient, and previous loan company, Sallie Mae, each have been predatory in their actions towards me and mismanagement of the loan repayment process. I have spent considerable money doing my part to pay down this loan Ive 7 years and not only has {$0.00} gone towards the original principal of {$24000.00} but only {$3300.00} has been paid toward the original buying price that Navient purchase my loan at in XXXX! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I am submitting on my son 's and my behalf. My son XXXX XXXX  attended XXXX and graduated in XXXX. On some of his student loans, I was a co-signer. I'm sorry, it has been more than 7 yrs when he graduated from college I do not recall or remember all of the details on the loans. According to a letter I received XXXX XX/XX/XXXX, this student loan from XXXX XXXXStudent Choice was charged off XXXX XX/XX/XXXX and it shows as such on both of our credit records as being " charged off ''. I have not heard of or remember handling the loan, is a Debt collector from any company in New Jersey, named MRS and wanted to know why they were contacting me? Since I didn't remeber the dedt, the loan or amount. So, I called to ask what it was in reference to and clarification. He explain it was for a student loan for my son XXXX and I was being notified due to being a co- signer on a Student loan 's that was over 7 yrs ago. He also stated that they had sent the same written informationto XXXX.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Balance incorrect. Short-term XXXX insurance was carried on this card and payments were made by myself and the card 's insurance. This balance is being recycled/sold and the amount owed is fabricated/misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: CA

Complaint narrative:
XXXX Account # : XXXX Date Opened : XX/XX/2021 Balance : {$190.00} This is a charge off account but it still has reporting balance. XXXX is not reporting and the payment history is showing multiple charge off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have made the last two monthly payment via online banking. Ive paid the same way for years. Both payments were returned by the mortgage company. XXXX I paid on XXXX and it was returned the XXXX. XXXX I paid on XX/XX/XXXX and it was returned on XX/XX/XXXX. I tried to reach them by phone several times, but to no avail. Wait times to reach an employee are outrageous. I tried the online chat twice. I started the last chat on XXXX, they responded back but not to my satisfaction and then closed the chat! I then emailed them screenshots of my complaint is with my mortgage provider, mr cooper. my online banking showing the payments and the return of payments. They replied back that the payments were returned. I replied back that yes the were returned, That is why i am trying to talk about it with them. I havent done anything wrong, ive made payments the same way for years. The last response from them just stated my mortgage has not been paid since XXXX and all late fees are valid. I responded that i want to get current and am willing and able to pay but why should i be penalized with late fees and negative marks on my credit score. My best contacts are email XXXX or phone XXXX XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Many years ago I paid a collection with XXXX XXXX and was advised that the tradeline would be removed from my reports. It was removed from XXXX and XXXX, but remains on Equifax. I recently contacted XXXX XXXX and spoke with XXXX. She advised me that they had requested for the collection to be removed years ago and no longer had any record of it. She suggested that I contact Equifax, which I have done multiple times.

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

Complaint narrative:
I took out several federal student loans in the 90 's. They were all federal student loans, now serviced by Navient, but initially with Sallie MAe. They informed me during our last conversation that they were no longer Federally subsidized loans and therefore I wasn't covered under the payment moratoriums. They also told me 20 years ago I wasn't able to consolidate under the much lower interest rates later on because I had consolidated once before. That consolidation was only to aggregate the loan into 1 payment instead of the 15 or so payments they had coupon books for and locked in the same rated forever without being informed. I feel like I need a lawyer as the misinformation or lack of has mired me into a lifelong debt that will never be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX, my checking account was overdrawn, causing me to be assessed an overdraft fee. Over the course of 5 days, I was assessed {$210.00} in overdraft fees, even though I deposited over {$700.00} over the course of several deposits. Because I could not deposit them quickly enough, I was continued to be charged for having overdrafts. When I reached out to the bank, they refused to credit any of the fees, citing that I had had one overdraft fee refunded in XXXX of XXXX. This was on XX/XX/XXXX. I believe that these types of fees directly impact customers who are clearly struggling, and prevent them from bringing their accounts out of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
XX/XX/22 XXXX am rocket mortgage called my cell phone. I did not answer as I was at work. The number that called me was XXXX. One minute later the secretary said rocket mortgage was on the phone asking for me. My work number. I answer thinking something must be wrong. Rocket mortgage just bought my loan so I was hoping something wasnt wrong. Nope!!!!! It was a sales call. Refinance. The girl said that this was the number she was given. I was very very angry and stated that she has my info because I had to give my work number when I applied for my loan years ago. Again I was furious. Sales calls at work is absolutely out of line. I understand that this is probably not a big deal considering the complaints you get but I needed to notify someone due to the fact that I am a XXXX XXXX I work in a XXXX taking care of very sick patients and COVID patients. The hospital like most is short staffed and the stress level is beyond comprehension to someone who works from home selling loans. I am still beside myself because it is in my mortgage paperwork where I work and the girl who called me called me at work knowing it is a hospital. I know collection companies are not supposed to call people at work. I am not sure if your mortgage company to whom you are in excellent standing are supposed call you at your place of business to sell you refinance loans. Thank you. XXXX XXXX XXXX. 

Ps I have not contacted rocket mortgage for any services whatsoever. My loan was sold to them. This is the only reason they have my info.

Company response to consumer: Closed with explanation