vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I tried to get student loan forgiveness about two years ago and I was told I could not get my loans forgiven and they could not be included in my bankruptcy dated XX/XX/2012. I made the income contingency provided for my income but it was a struggle. Navient student loan services said there was nothing else they could do for me. I graduated from a reputable college but finances have been a challenge for many years. Either family or my health, there have been many issues. I have been through financial issues and now these pandemic years have brought to my knees. I owe approximately {$80000.00} and I have been out of college for over 27 years. I barely make {$40000.00} and hourly wages are not even {$18.00} PER HOUR. I have many health issues and two jobs would be risking my health. My monthly house and car payment are {$1000.00}, utilites insurances, next meds and I can not pay all the medical bills. What little XXXX I have, federal and state have depleted my funds, so I would not lose my home. I am literally begging for help. I have all documentation you may need to substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I consolidated and have been paying my federal student loans to qualify for PSLF since XXXX of XXXX. With the payments I have made until now XX/XX/XXXX, I should qualify for loan forgiveness. I have been calling FedLoan servicing for many years to keep track of my payments and have requested inquiries regarding nonqualifying payments they have on record. I placed an official request for review XX/XX/XXXX while speaking with XXXX ID XXXX. I called again XX/XX/XXXX and received the same list of nonqualifying payments from XXXX XXXX. They said it was still under review. I requested my payment history to be sent to me, but they said they can not release it to me as it is under review. I am concerned that I will lose any hope of getting these records when FedLoan stops servicing student loans XX/XX/XXXX. 
Below is a list of payments they say are nonqualifying. 

Non qualifying payment XX/XX/XXXX to XX/XX/XXXX - 3 non qualifying payments because they say they dont have record of payment from Direct loans XXXX, XXXX to XX/XX/XXXX - 5 non qualifying payments because of a deferment/forbearance. I have no idea why I was placed on forebearance? 
XXXX, XXXX - 1 non qualifying payment for forbearance XXXX, XX/XX/XXXX I resigned my fellowship because of workplace harassment and was not employed full time for 2 months, but I continued to pay my IBR payment. 
XXXX, XXXX I was put on deferment when I switched from XXXX to Fedloans for qualify for PSLF. 
XX/XX/XXXX I had two week break between graduating fellowship and starting my new job. Payment was charged on XX/XX/XXXX and FedLoan said it didnt qualify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I made payment of {$1000.00} to previous servicer ( XXXX XXXX XXXX ). The payment was not transferred initially with the loan to new servicer ( Select Portfolio Servicing ) on XX/XX/XXXX. 
On XX/XX/XXXX I received evidence that payment was received by new servicer in the form of a check. To this date SPS is denying receiving such payment and claims previous servicer did not send it despites the evidence : copy of the XXXX  check sent to SPS, the XXXX tracking number and XXXX tracking system showing mail was delivered on XX/XX/XXXX at XXXX XXXX. 
On XX/XX/XXXX I called SPS again regarding this issue. Since the associate was not able to address my request I asked to talk to a supervisor. The associate denied my request advising me I will be contacted once they update my case. As far as I am concerned payment was received and the only update that must happen is SPS applying this {$1000.00} payment to my loan as of XX/XX/XXXX. This is obstructing my right to payoff this loan early since payoff quote can't be generated given that all previous payments have not been applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Complaint is with American Express platinum Card and loan department. On XXXX I reported a fraudulent loan that was taken in my name. AmEx assured me they had my ba Note my USPS mail was forwarded to a different address 3 time by the person who received the loan. To this day I do not have any information in print on this loan. 

On XX/XX/2020 I was billed {$550.00} for the annual service fee for my Platinum CreditCard. On About the end of XXXX of 2020. My credit cards with AmEx were frozen due to this fraud loan ; and remain frozen. 

I was unable to use the service for which the annual fee was billed. When I reported the fraud AmEx assured me there was no doubt it was not me who took the loan. I have detailed files regarding USPS complaint regarding my mail theft. However all have detailed personal information. attached is the information that i feel safe sending at this time. The Inspector General Reference number is XXXX and XXXX. AmEX would not Email or Special deliver vie, XXXX or XXXX XXXX or even USPS Registered of which I offered to pay. Also my address in the AmEX system was changed almost daily to cover for the fraud. 

I was billed for services I did not receive. And the loan was due to their error. The person who did these things only needed my ss # and name to change my information, and receive this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: GFS II, LLC
State: MI

Complaint narrative:
This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and XXXX and XXXX continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
statement due date XX/XX/21 paid XXXX XXXX more than purchases and the difference doesnt get applied to my promotional balance.this happened also on XX/XX/21, XX/XX/21, XX/XX/21 and XXXX.i called the company and they said i have to call them after the payment and request the extra money to be applied to the promotional balance. I don't see where the extra money goes, it seems to go nowhere the promotional balance doesn't go down the XXXX extra dollars every month. It seems the company is misleading consumers and using deceitful billing practices.everytime i call customer service they can't give me a reason or answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I bought a XXXX XXXXXXXX XXXX XXXX and the loan was services through Bank of America. For months i was trying to get online access so i can see the loan. I called the bank to ask what is going on and i was told they listed my loan under someone other person and their social. When i asked them what happens if i pay the truck off tomorrow, they had no response because the title would belong to them. I am paying for a truck that would belong to another person and they dont know how to fix it.

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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX 3 ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, US Bankruptcy Court , XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CARD Corporation
State: AZ

Complaint narrative:
Back in XX/XX/2020 XXXX XXXX  from XXXX offered free information to improve my son 's credit in order for my son to buy his house ( XXXX XXXX house ) he recommended to buy from card.com, he then asked for repairs to be done in his house repairs that we did with with the promise of free information but repairs costs were going to be reimbursed from XXXX XXXX, all the information from him was sent from his official car.com email and his cellphone, everything seemed legit until he sold the house to us and never paid the repair in specific one garage coating for {$1600.00} ( invoice attached ) ( emails from XXXX XXXX and text messages attached ). When XXXX XXXX was requested to pay he sent an email to someone else with card.com where he asked to block our email address to avoid the problem. ( email attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
We applied for a loan with Penny Mac. After discussing with the loan officer the what the situation was he decided that we should get a certain type of loan. We paid a {$100.00} fee and provided all documentation. We began getting stuff in the mail that our credit has been run and also documentation from a company stating that they would be handling the closing etc. I was under the impression that we should be closing soon and I reached out to Penny Mac on XX/XX/XXXX knowing that we should be closing soon. I was told that someone would call me back. On XX/XX/XXXX I reached out again because I had not heard back and at this time I was told that the loan had been moved to an in active status and that someone would reach out to me. I had not heard back and reached out again on XX/XX/XXXX and requested a call and was told that the issue would be escalated since this was my third time asking for a callback. I received a call back from XXXX XXXX who said that she was a manager and that the company had failed to do their job and to inform us that we were not approved for a loan and that we had four days left on our locked in interest rate and that she would take the loan in front of the board on Monday the XXXX to see what they could do. I once again had not heard back so I reached out to XXXX yesterday and finally received a call back and was told that there was nothing that they could do and that we were not approved for the loan even though they had failed to inform us in the time period they are legally suppose to. We have now lost out on a locked in interest rate which was a lot lower than what I can get now and I am having to pay interest and try to find another company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 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: MO

Complaint narrative:
This account is paid amd closed and reflect negatively on my credit report and experience will not remove or allow to dispute again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2021 a credit card was fraudulently opened under my name by someone that I know. I was not aware of this till XX/XX/2021 when the credit card was maxed out and SunTrust ( now Truist ) called to tell me this. I immediately closed the account and asked to speak to fraud department. I filed a police report and sent all documents to the credit copy. I frozen all credit bureaus and sent all letters explaining what has happened. This investigation has been going on since XX/XX/2021 and there is still no resolution. I have to email them weekly to ask for update but they continue to tell me that " it is complicated because of some purchases '' During this time my credit has gone from XXXX to XXXX. I am unable to do any major transactions, or make any major purchases as my credit is still frozen and credit score is ruined. 

They have the suspects name, info, address, phone number and when i asked if they have even reached out to that person they stated that they called " once '' and there was no answer. 

I have made multiple attempts to reach out and ask for status even regarding a time frame that they think this will be resolved but they have yet to give me a reasonable answer. 

We are going on 4 months with essentially no resolution and no update. 

I have finally hired a legal team to pursue this manner and costs are being accumulated as we continue waiting

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 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
( 1 ) On XX/XX/21, I was charged a recurring fee of {$6.00} by XXXX, which overdrew my account by {$6.00}. This was paid by the bank. 

( 2 ) On XX/XX/21, US Bank charged me an OD fee of {$32.00}. 

( 3 ) On XX/XX/21, I deposited {$10.00} -- an amount which would have been sufficient to bring my account into positive status had the {$36.00} OD fee not been charged to my account. 

( 4 ) I opted out of Courtesy OD protection upon opening the account. I have always been in opt-out stauts.

( 5 ) On XX/XX/21, I spoke to XXXX at US Bank for a waiver of the {$36.00} OD fee. It was not approved. 

I am requesting that the {$36.00} OD fee be waived. {$36.00} is unconscionable for an overdraft of only {$6.00}. OD fees should be progressive and not result in a forfeiture.

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 2021-10-12 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis Violated my right to privacy pursuant to 15 USC 1681a ( 4 ) by sharing my private, personal bankruptcy information and has infringed upon my Consumer rights to privacy. LexisNexis did not have a permissible purpose nor written instructions to furnish my personal and private banktruptcy information to any consumer reporting agency which they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I booked a plane ticked through Bank of America Travel Center for a multi-segment trip ( departing XX/XX/XXXX XXXX and returning XX/XX/XXXX XXXX ). On XXXX, the Travel Center notified me that my return flight would be on XXXX which would mean missing work and incurring additional hotel expense. I call the phone number on their email to make changes or request refund on XXXX - spoke to an agent for 45 minutes who promised that he would get back to me. He never did. I emailed later that day and never heard back. I called twice today on XX/XX/XXXX and the line was hung up after waiting on hold about 15 minutes on each call. I then went to the Bank of America ( parent ) Credit Card division to dispute the charge and the website indicated that I could not do so. I called XXXX XXXX and they said that I had to go through Bank of America Travel Center. I called Bank of America ( parent ) Credit Card division and they transferred me to the Travel Center. I have now booked a new flight and can not use this ticket. I need a full refund. I have easily invested about 4 hours of effort in trying to get a refund. I will be closing my Bank of America Credit Card.

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 2021-10-12 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2021 I went into an extension agreement with SunTrust. The agreement outlined a payment wasnt due until XX/XX/2021. They asked that I sign and return the written agreement, which I emailed on XX/XX/2021. 

On XX/XX/2021 I received notification my scores dropped XXXX points with XXXX and XXXX with XXXX. 

I am in the process of refinancing my home and the significant drop in scoring will prevent me from moving forward. 

I called SunTrust to assist several times. Ive explained the urgency- to no avail.

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 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and Transunion and Transunion continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..

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 2021-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to the bank ATM to withdraw {$1000.00} dollars the ATM said that the funds weren't there. This was a bank of america atm and account, I went home and called the card number abd they said that someone withdrew the funds from a different bank and different city from an atm. 
I called Bank of America and 3 times they denied my claim even though that they are in the wrong they won't deposit the {$1000.00} back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We applied for a refi on our home and was questioned about the report from NewRez-Shellpoint that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted Shellpoint and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, XXXX, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CA

Complaint narrative:
We applied for a refi on our home and was questioned about the report from XXXX that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted XXXX and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, Experian, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.

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