vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: VA

Complaint narrative:
During XXXX my student loans recently were in forebarence. However, I had other student loans from 2013 when I went to XXXX University. Its through Navient. They never stopped charging me and I went ahead and made the payments but after research, I believe the student loans should not still have a balance. I was very young and went to XXXX but then when I started a family I stopped for many years and then when I was in my late XXXX and early XXXX attended a university or college. Those student loans I am very aware of and carry a balance of around {$38000.00} which was in forbearance. I would like some help to understand if the company Navient still has over a {$10000.00} balance, when my attendance to XXXX was in 2013 when I was much younger. I want to know my rights and understand if I actually signed up for consolidation so they could move the balances to a new loan to start all over to pay or if actually, the balance is legitimate that they have. I just want to know if student loans over 10 years are still payable because with that added to my XXXX my payment is almost {$500.00} a month and I just want make sure its an actual payment thats required Im not trying to get out of paying student loans. I just want make sure that Im not getting taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I call US Bank Home Mortgage XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) ask them both for refinancing papers to assume rightful ownership apart from joint party in order to reduce income to debt ratio and it been months now without any information given by o either party. US BANK sent many denial of refinancing solely base on an old credit score in which is not the same for months. Creating XXXX XXXX XXXX XXXX as the main reason for denial summiting false score of XXXX ( XX/XX/2023 ) when in fact it been XXXX since XX/XX/2023. Also XXXX XXXX XXXX warrenty company is stalling a Air Handler for our 14 year home air conditioner unit serviced by XXXXXXXX XXXX XXXX XXXX XXXX GA License # XXXX ) ( SC License # XXXX ) XXXX I have invoice and place work order XX/XX/XXXX or two weeks prior and have not receive any work yet XXXX  continue to debit 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 2023-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the report of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports they are in VIOLATION! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
Filed fraud report as well as a police report with original creditor. This is the 2nd attempt with a new debt collector, which has resulted in lowering my credit score again. This company is in violation of Title VI of the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MD

Complaint narrative:
I filed a complaint against US Bank for this matter to no avail. US Bank responded with absolutely no evidence or explanation for the " charges '' on my credit card that they claim I owe. In FACT - those charges can not be linked to me as they are literally " late '' fees imposed on fraudulent charges. US Bank can not solve this issue by trying to gaslight me and just say " there were charges '' I haven't paid for. Not only will I sue US Bank in court, I will share all of the statements and the extremely poor response and absolutely unacceptable excuse US Bank gave in response to my demand that they resolve the mess they made of my account. If US Bank does not retract the fees and charges ; advise the CRAs that what they reported is FALSE, and close my account in good standing within 5 business days, I will file suit and share their disturbing lack XXXX  violations with the media, in addition to contacting XXXX XXXX myself to alert him to their disgusting unfair 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 non-monetary relief
Consumer complaint received 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Capital One credit card was stolen on XX/XX/2023 and a fraudulent charge for {$800.00} was made later that day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NJ

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been trying to close my PayPal account for several weeks now ( after the scam they facilitated in my previous complaint ). 

The website has presented several obstacles ( providing bank account information, etc ), which I've cleared. 

For the last week, the website has said the account can not be closed, but only references ambiguous reasons that I can't track down. 

So, I initiated customer service conversations in their messaging portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The one on XX/XX/XXXX had a rep ask me to confirm my email address ( why? ) and then the conversation was " closed '' so I could not reply. 

So I initiated another customer service conversation on XX/XX/XXXX, referencing the previous one. This one was closed with no reply I've initiated a third customer service conversation, but at this point, I'm at a complete loss. PayPal could not be more obnoxious in their refusal to close my account if they tried, and I'm not at all sure they aren't trying to be. 

ALL I WANT IS TO TERMINATE MY RELATIONSHIP WITH PAYPAL, BECAUSE THEY HELP PERPETRATE A SCAM. PAYPAL IS REFUSING TO LET ME CLOSE MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am the executor on the home after losing a family member. I cancelled the homeowners policy with XXXX insurance in early XXXX and obtained my own policy with XXXX at that time. My agent sent information to Mr. Cooper mortgage company with a verified correct address. I noticed that the escrow payment had increased slightly so I did not realize there was an issue until I received a letter stating that my policy had been cancelled due to nonpayment. I checked my mortgage payment again and the escrow payment had increased SIGNIFICANTLY. I contacted my insurance and they stated that the mortgage co never paid out on my policy and it was cancelled. XXXX  was also refusing to rewrite my policy because now there has been a lapse in coverage. Mr Cooper ( mortgage co ) informed me that they paid out the policy in early XXXX and the reason for the escrow increase was that the escrow analysis likely reflected the costs of the old policy because it was done shortly after the change. My escrow payment has more than doubled by the way. My insurance agent informed me after doing some digging that Mr Cooper paid out on my family members policy that had been cancelled. He also stated that he reached out to Mr Cooper numerous times with no response due to the non payment on the updated policy. Currently I have no homeowners because I can not get rewritten with that company and now other companies want a high payment due to the lapse. Even without an active insurance being paid out my escrow, my payment went from about XXXX to almost XXXX a month for overall mortgage/escrow payment. In addition, XXXX cashed the check for the policy that had been cancelled, and now refuses to refund the money in a manner that I can cash the check. They will only write it out to my family members estate and I can not cash that check until I open an estate account solely to cash that 1 check because there is no other reason for me to open one. This means I will have to obtain an XXXX and pay inheritance tax on money that that came out of my own checking account that I have been paying on this home/escrow for over a year now. This seems unethical and is making it very difficult for me to afford things. None of these mistakes were my doing yet I am the only one suffering the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
This is account does not belong to me I have contacted the credit bureau as well as trying to contact the creditor but to no avail. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I registered a PayPal account, I received some small sums from acquaintances that are not used to XXXX US dollars, and yesterday PayPal asked me to upload documents and bank statement. I immediately uploaded the required documents. I was told that my documents were being processed. And today they wrote me that my account is permanently banned. I do not know why PayPal did this, I have not violated anything. I immediately wrote to them and they said that we will not tell you why this happened. this is some kind of discrimination. I XXXX  and found a lot of similar cases and recommendations to contact you with a complaint ..... Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with HSBC Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call HSBC. When I called HSBC they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent outsourcing is doing what they do and trying to collect a debt for XXXX XXXX that I recently worked with XXXXXXXX XXXX to remove it from my credit report. It is confirmed removed by XXXX XXXX  multiple times and again today. Convergent outsourcing is trying to collect a debt the original creditor investigated and removed all XXXX $ $ from my credit report. Then convergent comes again trying to collect and messing up my score. Contact original debtor XXXX XXXX and they will tell you there is nothing owed. They removed it in 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 explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2023 I paid my credit card balance to XXXX XXXX in full. This isnt the first time they pull this. I received a notice from XXXX XXXX that the reported I was delinquent. When I called them they said a XXXX charge hit the account shortly after I paid in full despite me having called them and now Im two payments behind of XXXX each which are late fees attached to the XXXX fee that hit. I called them when I paid to make sure it was all caught up. This is a shady practice by cards that do this when you arent paying attention. I wont pay them because I made sure I wouldnt get charged again as they had done in the past. And here we are. They did it again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Fay Servicing is the most XXXX  mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was charged of {$12.00} service fee on XX/XX/XXXX when I was out of the nation. At the time, my savings had a $ XXXX balance. Their online chat got disconnected frequently. When I tried to call, the calls were disconnected at least 3 times.

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 2023-08-07 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
This account does not belong to me! I am a victim of identity theft. For one the address on this account does not belong to me. You guys address for the account is XXXX XXXX XXXX XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX. And at my home Im residing in I actually have an account with XXXX XXXX. The account number on my account with XXXX XXXX is # XXXX the account you guys have does not belong to me. I need it deleted because its hindering my home buying process! No one called me to acknowledge this account. Or to settle something because of they would have I could of just sent this the FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NJ

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief