vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: PA

Complaint narrative:
My monthly payment to Navient is {$390.00} for two consolidated loans under FFELP was up to date.This payment contract stated in 2006. Ive been making regular payments with a couple of deferment interruptions. I started an inquiry about delaying payments until I was able to pay again because I was having temporary hardship. I was informed about an ( IDR ) and received an email. Thats when I realized I preferred a deferment, and made a second call, then I was offered immediately a forbearance that would stop payments until XXXX and resume again at a lower payment for two years @ {$250.00} month. After the two years, the payment would go up to XXXX for 155 months. The after the 155 payments, one payment @ {$450.00} for one month. I requested the representative from Navient to email me the contract before I make a decision and before I send in verification of income. The representative told me the forbearance was already in progress and that my payment was stopped until XXXX. I told the representative to hold off on the forbearance because I didnt like the terms of the new contract and that I wanted a deferment not a forbearance. She continued to read the script that my payments were stopped until XXXX and that payments have been lowered for two years. 
I made several attempts to get the forbearance removed but they continued to read me the script. The issue I have is that I will be starting this contract all over again with another collection agency and where I will be repaying back more money then if I had stayed with the contract in 2006. I do not want the forbearance and how can they make me accept this when I have not agreed verbally and without a signature. I will not accept this bullying and predatory lending disguised as an option for help when there is a real need for help. It makes you feel so vulnerable and hopeless in trying to get a real resolution that fits my circumstance. You heard the old saying to be thrown under the bus. Well in the case with Navient, they seem to throw everyone in front of the bus and keep running the bus back and forth over them with no compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
Dear Officer REFUSAL OF WORLDREMIT TO REFUND REMITTANCE I write to officially make a complaint regarding the refusal of WorldRemit ( an online financial remmitance company ) to refund a remittance the recipient did not receive. 

On XX/XX/2020, I used the services of WorldRemit to make a series of 3 transactions, each worth {$870.00} plus service charge of {$0.00} totalling {$870.00} each, to two separate accounts belonging to a relative in XXXX. Two of the remittances were sent to the XXXX XXXX account and the third was supposed to have been sent to the XXXX XXXX XXXX ( XXXX ) account. Both of these 2 accounts belong to the same person and are linked to 2 separate phone numbers. The XXXX XXXX equivalenf each of these transactions ( {$870.00} ) is XXXX XXXX All 2 of the remittances that were intended for the XXXX cash account were acknowledged paid in my WorldRemit account on the same day XX/XX/2020, debited to my XXXX checking account on XX/XX/2020 and duly received and credited to the XXXX cash account on XX/XX/2020 and XX/XX/2020. 

However the 3rd remittance intended for the XXXX XXXX account even though was acknowledged paid on same day XX/XX/2020 in the WorldRemit account, debited out of my XXXX checking account on XX/XX/2020 was NOT credited to the XXXX XXXX account and has not till date. 

I subsequently made a report to WorldRemit and they acknowledged that it was a technical issue and that they would initiate a recall of the funds. 

After repeated reminders to WorldRemit through phone calls and emails and several assurances through same that they were working on the issue, I received an email on XX/XX/2020 that they were unsuccessful with the recall and thus wont be able to refund the funds back to me. 

My and my relatives checks with both XXXX and XXXX after an investigation indicated that no such 3rd remittance was received by either company. They have provided account statements ( which are attached ) to support their assertion. 

And as of today I have not received any refunds and any notification to that effect from WorldRemit I am therefore requesting your good offices to compel WorldRemit to refund to my account or to me an amount of {$870.00} plus service charge of {$0.00} for failing to remit the funds as requested. 

I have attached all relevant documents to support my claim and to solicit your help with same. 

Thank you for your consideration and every assistance in this regard is very very much appreciated Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I was sent a collection notice from Monterey Financial Services representing XXXX XXXX XXXX for a debt of over {$10000.00}. I informed XXXX XXXX this was not my debt but that of my spouse XXXX XXXX and I had no financial responsibility for this debt. I asked them to please remove the derogatory mark on my credit reports and to cease all collections. They first responded this debt would stay in collection and go after me but it would be sent to a supervisor for review and I would be contacted in 7 days. This was in XXXX, it is now XXXX. I contacted them again telling them to remove this from my credit report as it is causing big problems with me trying to obtain a mortgage, but there is no response or anything done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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:
Good Day Ma'am/Sir 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 but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently, and Paypal is accusing me for sale of unapproved file sharing services and monetery damages without any evidences, I'm asking them evidences but they just always answering me that the decision is already final. My email linked to my PayPal is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX SS # : XXXX XXXX # XXXX Add : XXXX XXXX XXXX, XXXX, FL, XXXX Last year I froze my experian credit bureau, I thought I had a fraud problem. I removed the hold approximately 2 months later. I was charged one month which I was not aware of and was not charged by the other bureau 's. My complaint is even though I removed my hold ( and the fact that I have not been charged since then indicates they removed the hold ), when I applied for a credit card my experian account was locked so the credit card company can not approve my card. I have been trying for over a week to get through to experian and can not, all I get is a computerized runaround. The computer wants me to supply numbers they gave me to lock the account. I threw these numbers away when I unlocked the account. The other bureau 's are no problem. In short you can't talk to a human and the computerized responses are not adequate. I need my account unlocked!

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 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Sent letter trying to collect a debt they thought I was a cosigner on as reported by the real estate company. 

They did not confirm that I was not a responsible party

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 2021-05-05 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: PA

Complaint narrative:
I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019

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 2021-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: WA

Complaint narrative:
My escrow company has been trying to get a payoff from Novad since XX/XX/XXXX. When they called to get an update, they said 5 business days. They called on that day, and said to call back the next day, as they could escalate it. They called on day 6, and had it escalated. When they called back on the XX/XX/XXXX, they stated that they now needed another signed form to get the payoff. That was immediately sent in. They've now had to request this payoff 6 times and still, no payoff. No one responds and every person we've talked to is extremely rude. I just want to pay off this mortgage and sell my home, but Novad is preventing me from doing this, but not providing the payoff they've been asked for 6 times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My records associated with the account BANK OF AMERICA with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. A charge-off should show a XXXX  balance, remove the amount that is showing. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to BANK OF AMERICA but I did not receive what I asked and these violations persist on my credit report.

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 2021-05-05 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
My records associated with the account AFFIRM INC with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. A charge-off should show a XXXX balance, remove the amount that is showing. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to AFFIRM INC but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: PA

Complaint narrative:
I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: PA

Complaint narrative:
I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019

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 2021-05-05 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: NJ

Complaint narrative:
I received a notification and check from Wells Fargo regarding a legal settlement between Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices. The XX/XX/2021 notification indicates that the bank is refunding fees in the amount of {$24.00} because they were assessed before I began using my account. 

The letter also provides that, This check also includes an additional amount of {$4.00} to compensate you for the time you did not have these funds. Thus, I understand this notification to advise me that Wells Fargo is refunding {$28.00} to me. However, the check is ACTUALLY for only {$24.00}. 

I write to complain that : ( 1 ) Wells Fargo still owes me the {$4.00} ; and ( 2 ) Wells Fargo has violated its legal settlement with the Consumer Financial Protection Bureau by failing to pay out monies to its customers as directed by the agency. 

Knowing Wells Fargos improper sales practices, I believe my wrong payment amount was NOT an oversight. For this reason, I did not reach out to Wells Fargo as I believe this error is yet another deliberate improper practice by the bank and numerous others have also been wronged in this manner. 

I will deposit the {$24.00} check before it becomes stale. However, I respectfully request that your agency have the bank send me my {$4.00} WITH INTEREST now accrued thereon and that the agency look into whether numerous others have also, yet again, been victims of Wells Fargos improper practices.

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 2021-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In accordance with 1026.7 Periodic statement of 12 CFR Part 1026 ( Regulation Z ), the creditor shall mail or deliver a periodic statement as required by 1026.7 for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law. 
Wells Fargo formally Wells Fargo Dealer Services has knowingly failed to send me, the consumer a statement in approaching nearly two years on a current auto loan. I have filed numerous complaints with Wells Fargo at XXXX, inclusive of complaints with the office of the president. The issue fails to be corrected, to date, yet I continue to receive generic emails. In my attempt to have the issue corrected, I have spoken with over twenty-six ( 26 ) different representatives and the issue has never been corrected. 
For the above stated reason, I hereby dispute all charges, fees, interest and asserted monies due commencing from XX/XX/2019 to current due to Wells Fargos knowing violation citing federal violation of 12 CFR Part 1026 ( Regulation Z ) and Maryland State law. Wells Fargo is billing, collecting and reporting on consumers credit without furnishing the periodic statements to consumers. I assert I have been charged money, interest, fees and assessments that are undue to the continued frivolous behaviors. I have attempted on numerous occasions to have this matter corrected and Wells Fargo has failed to correct the issue. 
With that stated, I request immediate enforcement and correction thereof by this agency.

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 2021-05-05 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I paid XXXX back on XX/XX/21 towards my outstanding balance and funds have cleared my bank however HSBC is saying I wont be able to utilize the card until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has reported on XXXX ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded bank of America to remove this or show proof through XXXX XXXX but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected Bank of America of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. BofA is acting like a XXXX loan shark and borders on the side of illegal.

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 2021-05-05 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, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 XXXX a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
After reviewing my credit report I found numerous items listed that are erroneous and in accurate, and is causing serious negative impact on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a certified letter to Experian on XX/XX/XXXX requesting that I be provided with the information of the company and or doucmentation that was used to verify the accurancy of the four bankruptices that are listed on my credit report I received the reseuts of the investigation and experian confirmed the accuracy but did not provide the information of the company and / or doucmentation that was used to obtain this information. 

On XX/XX/XXXX I placed a call to experian customer service. I was told that the company that was used to obtain this information is XXXX XXXX. I advised that I would like this matter re-investiagted because I have a letter from XXXX XXXX date XX/XX/XXXX that there is no receords of such Bankrupticies and that they were removed from their records. I also have a email of the United States XXXX court stating they do not verify any public information with the credit reporting agencies.

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable.

Company response to consumer: Closed with explanation