vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: AES/PHEAA
State: CO

Complaint narrative:
On XX/XX/2020, I submitted a future payment with FedLoan for my student loans in the amount of {$2100.00} that was to be withdrawn on XX/XX/2020, and was allocated to specific student loans. I did not receive an email confirmation as I always have on every non-automatic payment I have submitted. On XX/XX/2020, I logged in as the funds had not been withdrawn from my account and I was unable to find a pending payment for the {$2100.00}. Since I was not able to locate the payment I submitted a payment request on XX/XX/2020, for {$2000.00} with the funds allocating to the same student loans as the XX/XX/2020 payment was to. I did receive an email confirmation for the XX/XX/2020 payment. 

On XX/XX/2020, I logged in to see that the {$2000.00} payment was now showing as complete and was processed and the XX/XX/2020 payment was pending. Having both payments processed was going to overdraft my bank account by over {$2000.00} and would have overpaid the four loans ' entire balance by {$1900.00}. I spoke to a Fed loan employee on the chat, another on the phone, and a supervisor. I asked to stop the {$2000.00} payment but they informed me that I would need to go through my bank, XXXX. My bank also said they could not stop it. 

On XX/XX/2020 I logged into my account to see that the four loans were now at a negative balance as they had been overpaid by {$1900.00}. I called FedLoan and spoke to XXXX, Fedloan # XXXX, and I explained the situation. He informed me that the {$1900.00} would be returned to my bank account within 7 days and they always return funds unless it is less than {$5.00} If the overpayment is less than {$5.00} they keep the money. I asked for an email verification regarding this and he told me he would put a request in and I would receive an email within 2 days. 

I have not received the email as of today, XX/XX/2020. I logged into Fedloan and I see that the funds were not returned to me but applied to my other Fedloans, without my discretion on what amounts and what loans. I did an online chat with Fedloans and asked about the information I was given from XXXX and the promise of the email. I was told that XXXX did not provide the correct information and that the email would take 7 to 10 days but is now invalid. 

Starting with the fact that there was an error on Fedloan that failed to send me the payment confirmation for the XX/XX/XXXX payment or show it on my account as even pending as of XX/XX/2020, and the chain of misinformation I received following that I am very frustrated and concerned as a consumer trying to pay off my student loans. Not to mention I am now {$2000.00} over drafted in my checking account due to this error. I hope that the CDPB can look further into this as this is a hardship for me and I fear I am not the only person that has experienced this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: GA

Complaint narrative:
The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX XXXX ( TU & XXXX ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX  XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( TU  ) and XX/XX/XXXX ( XXXX   and XXXX ) Bal : {$9800.00}. I was never late. 

XXXX XXXX  - Open Date : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX   and XXXX ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( TU ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX  : XXXX XXXX : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, TU, XXXX  ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( XXXX and XXXX  ) XXXX ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( TU ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( TU ) XXXX   XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX & XXXX ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXXL XXXX XXXX XXXX TRANSUNION THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX  ) Bankruptcy Chapter  XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, XXXX, TU )

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 2020-06-23 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: GA

Complaint narrative:
The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX   XXXX  ( XXXX  & XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( XXXX  ) and  XX/XX/XXXX ( XXXX and Experian ) Bal : {$9800.00}. I was never late.XXXXXXXX XXXX  - Open Date : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  and Experian ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( XXXX  ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX : Open Date : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX   XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, XXXX, Experian ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( Experian and XXXX  ) XXXX  ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( XXXX ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX  ) XXXX XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian & XXXX  ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX  THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, Experian, 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 2020-06-23 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: DISCOVER BANK
State: AL

Complaint narrative:
Opened a secured credit card with discover card, over a month ago, was approved and received my card, was not able to login to activate, called and activated card, was not able to use card as needed because they put a security hold to verify info, asked me to sign a government form do they could get 2 years of tax returns, told them I was working out of the country since 2005, they said go ahead sign form and send it in which I did, I called them a week later and they told me to send 3 months of bank statements which I did, then I get a email and was able to login,4 days later they blocked my account, I called them and resent bank statement s, now weeks later account STILL won't work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Our car was purchased XX/XX/XXXX. Our monthly payment was approximately {$990.00} per month. The car was in an accident and totaled on XX/XX/XXXX. 

We continued to make payments in XXXX and XXXX. In XX/XX/XXXX, XXXX XXXX XXXX made a payout of approximately {$40000.00} to TD Auto Financing. 

I called TD Auto Financing on XX/XX/XXXX, I spoke to XXXX with TD Auto Finance to make a payment. She told me they had just recieved the payment of approximately 40K and would be calling us to set up a payment plan for the truck after XX/XX/XXXX, XXXX. 

We also recieved a letter saying if we can not pay after XXXX XXXX to contact to set up a payment plan. I contacted TD Auto Finance three times since since XX/XX/XXXX. The first one was on XXXX, XXXX. The second one was XX/XX/XXXX and the third one was on XX/XX/XXXX. 

I found out on XX/XX/XXXX TD Auto Finance had a charge off debt sent to our credit report erroniously due to them saying they had not received a payment in 30 days, even though they had recieved the insurance check on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX with TD Auto to set up a new payment plan and the amount we owed remaining was {$11000.00}. 

Per my credit report, TD Auto Finance sent my account to collections on XX/XX/XXXX. At no time from the end of XXXX to XX/XX/XXXX did anyone contact me or tell me about being sent to collections. This has made my credit plummet and effected me buying a house due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: GA

Complaint narrative:
There are accounts listed on my credit file that are fraudulent ... .see list below : Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S  DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Applied for modification in XX/XX/XXXX. The company delayed the modification process for months causing us to fall delinquent. The company continued to request duplicate information which we complied with each time. Each time we complied with a request we would receive correspondence from the company confirming receipt, confirming the information was correct, then correspondence that the information was in fact NOT correct and they needed updated different information. In XX/XX/XXXX we began to receive notices that a foreclosure was pending and a lawsuit had been filed. At the same time we continued to receive notices that the modification application was still under review. In XX/XX/XXXX when I contact CFPB, which in turn contacted PHH Mortgage, suddenly the application was approved and we were to enter into trial payments as a condition to being approved for a permanent modification. In XX/XX/XXXX we completed the trial payments and were told that the modification would be finalized. In XXXX, amid the Covid outbreak, we received paperwork to be notarized, and returned to PHH. PHH arranged to send a Notary to our home to process the paperwork on XX/XX/XXXX. The Notary sent the paperwork to PHH and we received work from PHH that the paperwork was incorrectly processed by the Notary. They scheduled another notary to process the paperwork in XXXX and we received word that PHH never received the paperwork so our modification was being denied due to failure to return the paperwork in a timely manner. The PHH representative then called us and admitted that the mistake was on his part and he should have stayed in better contact with the notary. PHH sent a Notary to us for the THIRD time. This time we also retained original notarized copies and mailed them certified to PHH. We have now been told that although they received the paperwork, they are not sure if " the Department '' will reverse the denial and they have subsequently refused the XXXX payment. Their continued incompetence in the handling of this matter is resulting in continued fees on our account as well as negative credit rating. This issue has been pending for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My account with JC PENNEY was closed by their bank Synchrony. I was a member since 2019. I made my payments on time or paid off early. They first lowered my limit from {$500.00} to {$100.00} base off my credit report.Now ; they closed the account off my XXXX credit report. As of today ; credit score is almost 700 ; not XXXX. I feel discriminated against due to the way they evaluated me as a customer. I could see if I was late all the time or not paying at all ; then, I deserve to be terminated.XXXX was 2 months ago. With them closing my account helped contribute to my credit score being dropped. I have had other credit cards increase my limit just this year due to good payment history. Something is wrong with picture. They obtain my report from 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 2020-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called XXXX XXXX XXXX  to change internet location because I am buying a new house. I made sure to ask and make sure they were not doing any credit pulls, they said they wouldn't. They lied and did one anyways. Now I have a hard inquiry for changing my service address with them, and Its ruining y ability to close on my new house tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
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Company response to consumer: Closed with explanation