vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: EQUIFAX, INC.
State: KY

Complaint narrative:
This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I read the response from Equifax that indicated the address XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX was not reporting on my credit file as of XX/XX/2020 but when I pulled my Equifax report on XX/XX/2020 it does report. I have never lived in XXXX  XXXX, MO I have attached proof that Equifax lied and did not remove it and continues to report false information. SEE THE ATTACHED DATED AFTER THEIR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On numerous occasions, I have complained about the following accounts that repeatedly show up on my credit report that are inaccurate and were never verified according to the FCRA guidelines 623,611 please remove the following inaccurate accounts : XXXX XXXX XXXX AND XXXX XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted according to the FCRA guidelines 623,611.

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 2020-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On numerous occasions, I have complained about the following accounts that repeatedly show up on my credit report that are inaccurate and were never verified according to the FCRA guidelines 623,611 please remove the following inaccurate accounts : XXXX XXXX XXXX AND XXXX XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted according to the FCRA guidelines 623,611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK
State: MO

Complaint narrative:
Multiple fees of {$37.00} for overdraft they won't let me stop or activate overdraft protection horse have a low risk account this fee has happened more than 10 times in the past 12 months I can't do it I'm tired of it that's a lot of money XXXX * XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CFW Holdings LLC
State: TX

Complaint narrative:
I borrowed money from this company several times and always pay back 3-4x what i borrowed. I understand the nature of these risky loans but desperate times called for it. 
But I'm a XXXX XXXX XXXX XXXX  and due to the COVID-19 crisis all of my business were shutdown by the federal and local Government. 
I wrote and called the company and explained the situation. I told them that due to the crisis i have little to no income coming. I sent a letter of revocation and i even put a stop pay at my bank. 
I emailed cash for whatever and asked to workout a different repayment option that didn't involve them drafting my account. 
They won't respond. They've even created a fake check to get money from my account because they couldn't do the ACH because of the stop payment. 
As of now my account is almost {$350.00} in the hole because they've hit my account 3x in two weeks  plus about 4 {$35.00} overdraft fees. 
I haven't had a pay check in almost 2 months and I'm struggling to feed my family. 
What can i do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
my business i was running came to a haunt when my son was turned to online education which caused chaos in my life and the start of form filling for ever care act and taxes all while having the kid learning from the get go at home. i received a call from ally bank who was trying to act as a collector and told him according to the news CoVid-19 I am defecting payment for 120 days. Ally rep stated he understands and would handle it. i receive more calls, a letter, changes to credit report stating that this never happend and from a conversation from employee at ally bank yesterday. i said why was it not he stated he agreed on phone and that was it so I asked for a copy providing proof this has been done as well as documentation to restore my credit rating the previous rep screwed up from not doing his job. This is rediculus im at mercy of a anothe rindividual who cant do what was told on the phone and i am having to waste more time stress with credit ratings and what not only to regurgitate the same XXXX we discussed back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Have tried 3 times to apply for COVID-19 payment forebearance through the app, an error message popped up saying unable, try again later. I have called but nobody will get on the phone to help me. My husband is furloughed and we are unable to keep up on our bills.

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 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: CO

Complaint narrative:
Contacted Discover Student Loans multiple times in an attempt to reduce the interest rate, loan consolidation, or income based repayment plan. Most recently tried this again on XX/XX/20. Told that the amount of Student Loan debt was too high. Told that the degree received did not meet the criteria to consolidate the loan or reduce the interest. 

Discussed Governor XXXX 's COVID-19 Student Loan initiatives and went through the minimum guidelines for Private Student Loans. Discover was unwilling to adhere to the minimum guidelines : Providing a minimum of 90 days of forbearance Waiving late payment fees Ensuring that no borrower is subject to negative credit reporting Ceasing debt collection lawsuits for 90 days Working with borrower to enroll them in other borrower assistance programs, such as income based repayment. 
THERE ARE 3 LOANS WITH DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Used my bankruptcy and the fact I am on a limited income ( XXXX ) against me to deny me a store card. All I needed was a {$300.00} limit. I handle my other cards just fine and in fact they are all paid off. Citibank has always been prejudice to those who are on medical 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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid my card off in full by my due date but I was charged an interest fee for a cash advance and for purchases. I made no purchases with my credit card over the past billing period. I did not use my card at all, besides to pay it off. I contacted my card issuer and they said that I was being charged twice for a cash advance that occurred in XXXX. Therefore they charged me interest twice on one single transaction from 2 months ago.

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 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have been receiving recurring charges from TransUnion on my XXXX credit card since XX/XX/XXXX until now totaling {$510.00}. The reason why I signed up in the first place was due to wanting a {$10.00} credit freeze but did not realize that they signed me up for a monthly subscription. 

I have tried to cancel my subscription, but kept getting put on hold until I ran out of patience. I would be on hold for 30 mins to a few hours and being transferred to multiple people. They also do not have an option to cancel the subscription online. 

Trying to cancel the account causes me so much frustration and I just learned this is a tactic that they use to keep you subscribed. 

I am demanding my subscription to be cancelled and that I am refunded my recurring charges from XX/XX/XXXX or at least 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 monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase refuses to credit returns and fraud on my account. I have called everyday since XX/XX/20 and Chase refuses to process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XX/XX/2020 I received a letter from GM FINANCIAL providing me with my payment history and simple interest contract. After reviewing the information, I found several payments that were made only went to the interest and nothing to the principal. If I paid a late fee that amount went to the interest as well instead of the late fee. I paid extra fees due to this error and GM FINANCIAL affected my credit with negative payment history when I paid. I have completed all payments due and now GM FINANCIAL is saying I owe another XXXX? Per GM FINANCIAL website, I have completed all 72 payments but the company is reporting I am only 83 % paid with now this new balance. I reached out to the company on XX/XX/2020 and spoke with a rep named XXXX for 2 hours and she said she saw the errors and reached out to her supervisor XXXX to correct it. I was told it will be fixed but I received a call the next day from a rep named XXXX who told me the balance was correct and I needed to tell GM FINANCIAL when making payments that I wanted certain amounts to be placed to the principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
Dear Sir/Madam, On XX/XX/2020 I filled for a chargeback through Banco Popular. Since then I have been given no updates and when I called could not get any information. Yesterday on XX/XX/XXXX I contacted them again and was given this answer : " Your claim was previously referred to the merchant for consideration. We regret to inform you that until this moment the efforts have been unsuccessful. We are including the documents provided by the merchant for this transaction. '' ( Attached ) But no documents were provided. My guess is that the merchant didn't bother to answer. 

The merchant from whom I demanded the charge-back, never delivered the service I paid for and I have supplied the bank with all the information. 

I am ready to supply any evidence, correspondence you might need. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient has charged me excess student loan interest. I want to file a consumer dispute regarding this alleged claim. Please refer to the article below : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX loan account is NOT showing current but it is current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
My XXXX loan account is NOT showing current but it is current

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 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX I was contacted by XXXX XXXX on behalf of Navient regarding my defaulted student loans. I was informed they had recently been given the account to try to collect on the money. They informed me payments had stopped in early XXXX with another company collecting on behalf on Navient. My co-signer had been making payments. She was informed that after 24 months of making payments, the account would be settled. This was obviously a false statement made on behalf of Navient. So now, I have set up payments to close this account out with XXXX XXXX. I made a {$6800.00} deposit and 3 payments of {$500.00}. They informed me that the co-signer would be removed within 7-10 business days but that has not happened. My last payment of {$500.00} is due on XX/XX/XXXX and thus should close the account out. However, looking at my credit report, it's already showing the student loans are closed out. Every time I call, I get different answers. 
On another note, I have a private student loan in good standing with Navient. The original balance was {$3500.00} and is now over {$8000.00}. After my numerous efforts to pay, I've had to go into a forbearance and now it's almost doubled. I'm not sure if anything can be done but I had no idea forbearance would double the cost of the private student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: ACS Education Services
State: VA

Complaint narrative:
This loan is on its third processor in two year ( ACS to XXXX XXXX to XXXX ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " re-amortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now XXXX is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I conducted an analysis of my principal payment owed and noticed a difference between what NewRez says the principal amount is versus my analysis. I looked through my payment history and identified the mistake. On XX/XX/XXXX I sent a principal only amount ( labeled on check with account number ) in the amount of {$8000.00}. For some reason a person at NewRez split that amount into a principal only payment of {$5800.00} and a regular payment of {$2100.00}. That should not have happened because I made my regular payment of {$2100.00} on XX/XX/XXXX and the XXXX payment of {$2100.00} on XX/XX/XXXX. I notified NewRez via email about this problem and the check of {$8000.00} and have received no response other than they received the email and will respond as soon as possible. I called NewRez on XX/XX/XXXX and the person I spoke with said it would be taken care of in 1 week. One week has passed and the principal amount owed is not correct. I can not refinance my loan until I know the correct payoff amount. As of right now, NewRez has done nothing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Spoke to XXXX XXXX and they were very unprofessional. would not listen to my concerns and only provided a fax number XXXX, which he then immediately hung up on me. I initially received a credit alert about this activity previously, since I have been a victim of I'd theft. I have not been to XXXX  for medical of late last year and this is a fraudulent claim they refuse to remove. This has dramatically hurt my credit score. Please have this remove and resolved. I am out of options.

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 2020-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a dispute to Equifax about an inaccurate item on my credit report on XX/XX/XXXX and still have not received any resolution as of XX/XX/XXXX. When I check their website, it tells me it is still pending with an estimated completion date of XX/XX/XXXX. I have tried e-mailing Equifax to follow-up but have received no response. I also tried calling but gave up after waiting on hold for three hours. This has been very frustrating and has impacted my ability to complete a refinancing of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
MrCooper sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Citizens One auto Finance reporting a 30 day late payment on XX/XX/2013. I called Citizens One Auto finance and spoke with someone in their credit department. I was told that the account in question was too old and has been closed. I was wanting details on this late payment they are reporting. I was told that they would be contacting me and refuse to give me any information.

Company response to consumer: Closed with explanation