vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have a consolidated XXXX loan that is serviced by Navient. My loan originated in XXXX with an interest rate of 4.375 %. I have faithfully made all payments for the past XXXX years. In or about XXXX, XXXX I enrolled in XXXX with Navient, which entitled me to a .25 % interest rate deduction on my loan and monthly payment amount. My minimum monthly payment ( without the interest rate deduction ) was calculated at {$440.00}, which is the required minimum amount I have been paying since XX/XX/XXXX ( based on XXXX records- for which I doubt the veracity thereof. Navients processes and communications are repleat with errors ). Navient has acknowledged, in writing, repeatedly, that Navient ( either intentional, recklessly or negligently ) used the wrong interest rate my monthly payment amount for 15 years. Even according to XXXX own correspondence, they have acknowledged that, for the period XX/XX/XXXX to present they were using the wrong interest rate ( Navient used XXXX instead of my actual interest rate of XXXX XXXX Thus Navient wrongfully collected and retained thousands of dollars ( over the course of XXXX years ) to which they were not entitled. That was my money, it should have stayed in my pocket and earned interest. Navients responses to my complaints have been along the lines of even if though we calculated your monthly payment amount using the wrong interest rate, you ultimately owed more money than we collected ( ie my total outstanding loan balance/interest exceeded the overage amount Navient wrongfully collected and retained ) so we did nothing wrong ; we will not return these overcharged payments to you and we did nothing wrong by collecting more than we were entitled to. I want my overpayments returned to me, plus Massachusetts statutory interest applied to those amounts for the 15 years during which Navient overcharged me, wrongfully retained said overpayments, and their false, deceptive, misleading and fraudulent communications surrounding this matter which were designed to obfuscate Navient wrong doing and, by proving false and fraudulent information, dissuade me from pursuing rightful compensation in this matter. I demand Navient reimburse me well over {$5000.00} in actual and punitive damages as allowed by applicable federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
This is incredibly horrible. 
My new credit card company " best egg '' aka " XXXX XXXX '' has just cost me a bundle. 
They wrongfully charged my checking account twice and I got NSF fees from my bank. Then they proceeded to charge me an NSF fee themselves. 
I wrote them about it but they did not resolve this matter voluntarily. 
I just sent all of the money that I was supposed to pay them. 
They are claiming I still owe them hundreds plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Payments made from XXXX on cards ending in XXXX and XXXX havent posted on statements as terms and conditions have stated which affected my credit. Company wont lower monthly minimum or interest

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -TransUnion XXXX XXXX XXXX XXXX  - XX/XX/XXXX -XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXX - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-29 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:
In my Consumer Report, there are 4 charge offs reporting which is illegal because Charge offs are considered cancelled debt. According to the IRS, cancelled debt is considered income & Income can Not be reported in a consumer report. 

The IRS states that cancelled debt is income and the 3 consumer reporting agencies that are reporting the charge offs are not authorized to report. 

I never authorized to report these charge offs to report on my consumer report, as this is defamation, causing Financially and emotionally damage.

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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A partial credit that was issued via XXXX is XXXX for a hotel room in XXXX keeps being charged back to me. 
I never was able to go to XXXX XXXX XXXX XXXX at the last minute. 
I am charged for cleaning fees and other miscellaneous fees for a room that I was never in. 
XXXX seems not to eat to be bother or accept any responsibilty.

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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc.
State: MI

Complaint narrative:
Concerning the XXXX prepaid card through Payfare ; it was locked 48 hours ago due to stating the CVV code was entered incorrectly. I was told to contact customer service, which I have now 3 times in the last 48 hours. All 3 times, I was told the card was unlocked with no restrictions, but when I try to use it in the store or load it on XXXX XXXX, its marked as an invalid card or declined. The issue has been sent through to Payfare but they have not contacted me at all to resolve this issue. I can not buy my husbands XXXX or groceries until this gets unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a customer of Wells Fargo for XXXX XXXX during the time frame mentioned in a wrong doing article about their practices. Am I automatically included in the penalty, or how to I go about going forward?

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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was charged {$120.00} for a year of web subscription of the XXXX  XXXX the was never authorised by me. I cancelled that the same day I say the charge. It is still being posted as purchase and I never reined the refund as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rainier Financial Group, LLC
State: ID

Complaint narrative:
1st Choice issued a {$750.00} loan on XX/XX/XXXX. The 1st payment was due XX/XX/XXXX which was too soon and I requested numerous times to.have 1st payment due XX/XX/XXXX. I had requested the first payment due on XX/XX/XXXX but they denied the request even though extending was shown as an online option. 

I ran in to a financial hardship where I could not make my 1st payment on XX/XX/XXXX. 

On XX/XX/XXXX, they violated my Financial Privacy by calling my job, my references and my landlord. My job was disappointed by this call. 

I was told verbally prior to the loan disbursemen that my job, references would not be contacted. I was told via email as well. 

1st choice made these calls after the loan was disbursed and after I was told they would not contact them. 

I have complained to 1st choice customer service, collections department, and department manager has been aware. They have done nothing to resolve this violation.

They have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I have attempted to find a reasonable payment solution. 

I appreciate your assistance with this matter and hope you'll provide me justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2023-01-29 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:
These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: IL

Complaint narrative:
In my Consumer Report, there are 4 charge offs reporting which is illegal because Charge offs are considered cancelled debt. According to the IRS, cancelled debt is considered income & Income can Not be reported in a consumer report.

The IRS states that cancelled debt is income and the 3 consumer reporting agencies that are reporting the charge offs are not authorized to report. 

I never authorized to report these charge offs to report on my consumer report, as this is defamation, caused Financially and emotionally.

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 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, Ive had a credit card with Target for a few years now. Ive always paid my amount on time all the never missed a payment until recently starting in maybe XXXX or XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because of this sickness causing me not to work I wasnt able to pay my bill anymore. Ive tried contacting and figuring out a way to resolve this but I never hear back and now Im getting a debt collection. Its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
Dear CFPB, On XX/XX/XXXX, I sent correspondence with my current driver 's License and utility bill via Priority mail see attached receipt, to Experian Credit Reporting. Again notifying them of incorrect, outdated and unsubstantiated addresses, employment and Public Records information they have been erroneously have been reporting in my credit file. 
I received confirmation of them receiving my request a week or so later saying they would be getting back to me with the results within 30 days. They agreed to remove some of the items I disputed. I never got an udated copy of my credit report from Experian. I went on their website as of XXXX, the items including the fraud statement are still on my report. have been asking them to remove the XXXX XXXX and inaccurate XXXX XXXX since XXXX and is still there along with the other items I disputed. 

I filed a complaint with CFPB on XXXX, due to no action by Experian ovr 60 days from my request on XXXX. Your agency contacted them and Experian said it would be another 15 days. Nothing happened, another 15 days were requested and has now sinced passed. It has been over 4 months since my recent request and over 2 years and 120 days since my XX/XX/XXXX request and complaint. 

Experian has now said they will remove the false information but I must again send in Identification. I have done so not less than 4 times over the last two years. 
Experian must remove the fase information according to Fair Reporting Laws.

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 2023-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting Experian, XXXX, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

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 2023-01-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This navy federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation