vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For five months I have sent documents for temporary XXXX deferment to Navient. They have refused to process. Each time, they claim something is wrong with the application, and it must be resubmitted. My doctor has submitted proof of XXXX along with dates, which were for only a year. I have also submitted proof of long term XXXX monthly payment. That was not good enough either. The last time they state I must apply for total permanent discharge even though I havent been declared permanently XXXX. Now the loan is due and they are forcing me into default despite me sending documents 12 times. When I called several times regarding this matter, they have stated they are working on it. Then someone named XXXX XXXX from Navient emailed me stating she was an advocate from naivent and would be assisting although all the emails simply state, she is working on it, and the last one stated she is going on vacation which would place me in default despite me following timelines and submitting all documentation for a deferment. Im not working, am XXXX and can not make any payments. This is unethical, illegal and Inhumane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. XXXX and Equifax have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have Parent Loan and have tried again and again to lower the payments by every option Navient offers. They consistently recommend Forebarence rather than lowering the payments based on income. My income has dropped by more than 50 % since we took out this loan for our son and now the amount is astronomical Started at $ XXXX in XX/XX/2006 now it is $ XXXX due to the {$40.00} per month late fees and capitalized interest that reach over {$2000.00} a month at times they give me and the unreasonable payment structure they demand. The only action they have allowed me to take is forbearance, which just makes the situation worse in the end. I have also repeatedly asked for proof of ownership from Navient due to the loan being transferred several times to different vendors and they have ignored my request each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
XX/XX/2019 I requested the cancellation of PMI on my mortgage with my lender LoanCare LLC., a sub-servicer of XXXX XXXX XXXX XXXX XXXX This request for PMI cancellation was due to two factors : 1 ) local market appreciation in Colorado 2 ) substantive and/or structural improvements made to the property. As part of this request, LoanCare had me pay-in-advance for a Broker 's Private Opinion ( BPO ) to assess the new value of the ( subject ) property. 

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX XXXX conducted the BPO. 

XX/XX/2019 I received a copy of the BPO that was used by LoanCare to determine whether the value of the property warranted PMI cancellation ( loan to value ratio of 80 % or less ). -See attached Document # 2- In the document, XXXX XXXX singled out two comparable properties ( comps ) that were most similar to my ( subject ) property and adjusted the value of my property based upon these market numbers. With the adjustments made using these comps ( CS1 and LC3 ) the averaged value of my property was {$510000.00}. With adjustments made with reference to all six of the comps, including those XXXX XXXX deemed less similar, the averaged value of my property was {$500000.00}. At the time that the BPO was conducted, an LTV of 80 % or less would have equaled a current property value of {$490000.00}. Despite his own adjusted values for current market comps equaling a minimum of $ XXXX and more accurately a value of $ XXXX for my property, XXXX XXXX listed an " Opinion of Price '' as {$480000.00}. A number that seemed arbitrary and exactly {$10000.00} less than that needed to achieve an LTV of 80 %. This notwithstanding the value of improvements to my property post-closing that XXXX XXXX estimated to be valued at {$22000.00}. 

XX/XX/2019 I received LoanCare 's letter rejecting the request to cancel the PMI on my mortgage. In the letter, LoanCare neither referenced any data such as my current property value or LTV ratio to justify this decision nor did they discuss how this decision was reached. They only offered that I may, at my expense and at a cost of {$910.00}, hire an appraisal of the property. -See attached Document # 1- At this point, given the capricious and fortuitous ( for LoanCare ) value arrived at by the BPO which contradicted local market comp data, I'm skeptical of the independence of the " third-party '' contractors that LoanCare hires to do their BPOs and appraisals.

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 2020-01-04 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: WI

Complaint narrative:
I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}

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 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I got a {$3000.00} on XX/XX/2018 loan from which they make me paid XXXX dollars the following month. 
Then {$350.00} every month after that, they told me that the loan interest was 35 %, so I call because its been already XXXX since I got the loan. 
And now the interest its been change!!! 
They want me to pay {$16000.00} I complained but they are not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received my new card for my child support and activated my card. I attempted to create an online account at www.bankofamerica.com/azdesEPC as instructed on the back of the card and with the paperwork that came with the card, but the site has been decommissioned. I called customer service at the number on the back of the card, and after a long hold I was told there was nothing that could be done. I just want online access to my account so I can know how much money is in it and transfer funds without having to pay an additional fee.

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 2020-01-04 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 account late status is incorrect. The account initially listed 60 days late & Closed XXXX XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


XXXX XXXX not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. Thank you

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 2020-01-04 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: WI

Complaint narrative:
I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} WI XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}

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 2020-01-04 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: WI

Complaint narrative:
I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} B XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Transaction Information : Transaction Amount : {$110.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 The items purchased were returned via USPS which was purchased via Paypal. The return shipment was also tracked : XXXX ( USPS ). 

The vendor has their goods and Paypal is denying my request for a full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Debt collector called in XXXX to collects on Macy acct but input wrong acct on XX/XX/XXXX for {$77.00} but they included not only last she amt but XX/XX/XXXX payment in the collection. I received a call on XX/XX/XXXX because the agent used the wrong account and I was told the next payment was in XXXX which meant she include the XX/XX/XXXX payment in the collection attempt. I informed her that this was unfair and deceptive. She started she will this as feedback. Company should call and collect only any past due amount not advance payments. We

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 2020-01-04 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My account late status is incorrect. The account initially listed 60 days late & Closed APR XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


Select Portfolio not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi thank you card reported a 30 day to all the credit bureaus on or about XX/XX/2017. During this time, I was in a disaster area Hurricane Harvey declared by U.S President and Governor of Texas. I was without electricity and phone service. CITI bank issued multiple statements that late fees and payments would not affect members in this area. I would like it removed from the credit bureaus. 

Thankfully

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 2020-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
submitted package to service sps ; they did nothing to help or assist with being upside down and payments too high sps based their outcome on current value rather than the homeowners monthly expenses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
This company has asked me to borrow money from family or friends to pay them. They have asked me to take out a loan from another company to pay them. They said I need to prioritize my debts by paying them before I take care of my medical issues. This led them to telling me that I should get better insurance so my deductables are cheaper. 

They refuse to take payments that are not what they want, even though its something toward the balance

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 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance Financial auto drafted around {$2000.00} from our accounts AFTER we revoked their authorization to do so. We can no longer pay our mortgage or our bills. We need help fighting back against this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 Bank of America charged me a {$12.00} fee to move funds from my savings account to my checking account. They moved {$18.00} from my savings to my checking account and charged me the above fee. There was no reason to do that though because I had {$23.00} in my checking account and no cleared charges made my account go below {$0.00}. 

I did speak to three different people ( two on XX/XX/2020 and one on XX/XX/2020 ) and it was the third one who issued a reversal of the {$12.00} charge.

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 2020-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: IN

Complaint narrative:
Loan for {$500.00} that was taken out in XX/XX/2019 with a $ 480+ past due balance was paid off in full XXXX XXXX, 2019 before it was sent to a collection agency. The reporting on my credit report is incorrect. I keep disputing it as paid in full but this lender keeps stating what they have is correct, by which, it isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: NM

Complaint narrative:
XXXX XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2020-01-04 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: NM

Complaint narrative:
XXXX Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: NC

Complaint narrative:
I opened a credit card account with First progress located in XXXX XXXX Tennessee. After 6 months I was not pleased with the service and closed my account. They sent me a letter stating that the account was closed however the account is still open and has an available credit of {$130.00} along with my past due amount of {$160.00}. I called the company to ask why I still have an available credit and they said because I still have a past due I will always have an available credit. I stated if the account was closed I should not have an available credit however just a past due balance. I later discovered that the account is still open but they titled it somehow someway as closed and it is not technically closed. The company did not want to speak with me nor did they want to show any resolve..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a store card with Saks 5th Avenue on XX/XX/XXXX. When I opened the card it was at the store. The card was approved for a credit limit of XXXX  dollars. I purchased 2 things, and purchased one more thing in which the sales person had to call in to approve it, because it put me over my credit limit. On XX/XX/XXXX I got an alert from XXXX that Saks 5th Avenue reported my balance to XXXX, which dropped my credit 55 points. How is it reporting before I have even received a bill, and also reporting a balance on the first day of opening card. This balance Also reported to XXXX which dropped my score 83 points. I talked to two supervisors from saks 5th Avenue card services. The first one said that it wasnt reported from them because it hasnt been 30 days and the only thing that should be reporting is a inquiry. The second supervisor said that my closing date was XX/XX/XXXX. So why did it report my balance on XX/XX/XXXX. I never received a bill or a closing date. This has been detrimental to my credit report. Ive never had a credit card that has reported a balance before a bill has been generated or before the closing date.

Company response to consumer: Closed with explanation