vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: IN

Complaint narrative:
During the height of the pandemic, I lost my job after disclosing I was pregnant and requesting to continue my work from home. I was denied the right to work from home and terminated instead. Since then, I struggled to stay afloat supporting my XXXX daughters and myself and have requested to have my private student loans put on hold and Ive been denied by XXXX on numerous occasions. I filed for XXXX XXXX bankruptcy in XXXX and my student loans were included in the bankruptcy proceedings. I have my discharge paperwork and the original petition for bankruptcy itemizing each of my student loans and to date, I am still repeatedly contacted by Navient for repayment of loans that I can not afford. 

Ive been making interest only payments for at least the last two years because thats the only option Im told is available to me. 

Most recently, in XX/XX/XXXX, both my father and I have received repeat phone calls and voicemail messages from Navient indicating that my interest only payment term had come to an end and I was once again behind on my student loans. My father was a cosigner on at least XXXX private loan and my deceased grandmother a cosigner on another private loan. I have been unable to get either of them relieved from the loans and my father has taken it upon himself to stretch beyond his means to make your payments to Navient for the loan hes on just to get them off his back because they wont stop contacting him. 

As of XX/XX/XXXX, I was forced to re-enter into another interest only payment plan. I am still without work and I am stretched far beyond my means. My ex-husband stopped paying child support a year and a half ago for our XXXX daughter, I have no source of income and my savings is almost completely out. I communicated this to the person at Navient and told her I feel desperate and I have absolutely no way to ensure I can make the monthly payments And the only option I was given was a {$65.00} a month automatic withdrawal from my bank account for interest only payments. its either I pay the {$65.00} interest only payments or a default. I dont understand how this can happen when Ive done my best to pay despite the fact these loans should have been discharged in bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: AL

Complaint narrative:
This item XXXX XXXX account is inaccurate because there are reporting late payments when I actually the paid on time for that account. 

Late payments were report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Equifax. I made payment to Badcock on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I call W.S. Badcock in XX/XX/XXXX when I first noticed the errors on my account and the company made corrections on my account to show the payments was received and the account was current. The corrections can be seen on the XX/XX/XXXX to XX/XX/XXXX statement along with the past date amount is {$0.00}. This is the second time this company report inaccurate on my credit report. I file a dispute with EQUIFAX ON XX/XX/XXXX Confirmation number : XXXX and on XX/XX/XXXX Confirmation number : XXXX. Equifax failed to remove the inaccurate late payment report on my account. I have filed a third dispute on XX/XX/XXXX Confirmation number : XXXX. EQUIFAX failed to remove or correct the inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
The debt collection is named XXXX XXXX from XXXX. They have called me repeatedly asking for me to pay a debt collection of around {$2100.00} for an apartment lease in XXXX XXXX. They event sent me an " application '' of the apartment lease with information filled. 

These XXXX  can't realize that the name DOES NOT MATCH MY NAME. The person submitted a SS of XXXX. They listed their mother as XXXX XXXX. 

I have a real SS and my mother IS NOT XXXX XXXX. I HAVE ALSO NEVER EVER LIVED IN XXXX XXXX AT ANY POINT IN MY LIFE. I have always lived in XXXX  and I have submitted proof of residency. I have told these XXXX  that my name is NOT the name listed on the application. My debt collection inquiry was eventually removed, but now it is BACK. This is incredibly frustrating, and continues to erode my credit score. Again, this IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXX bank {$4100.00} unpaid and have humiliated me when applying for XXXX banks and being denied this is truly defamation. just got off the phone with XXXX bank XXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer

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 2022-09-28 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I have asked for PROOF of " validation of a XXXX  XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and XXXX and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/22 Balance Transfer payment sent to Capital One XXXX XXXX in the amount of XXXX from XXXX Bank ( proof of payment attached ). 
XXXX XXXX XXXX bought XXXX XXXX XXXX. I inadvertently sent payment to Capital One rather than XXXX XXXX. 

Contacted XXXX XXXX several times and they would not even discuss with me instead saying Capital One had the money and I would need to resolve with them. I asked to escalate at least 12 times and would not get anyone at XXXX XXXX to assist. 
Contacted Capital One at least 12 times with zero help and them giving me XXXX XXXX customer service number. NO SERVICE, NO ASSISTANCE FROM EITHER COMPANY AND XXXX HAD BEEN CASHED XX/XX/22 Called Capital One and asked for fraud department. After 2 hours of being told by XXXX from Capital One that there was nothing she could do she suggested I send proof of payment to Capital One Payment XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. 
I sent by certified mail a copy of proof of payment, XX/XX/22 it was received by Capital One XX/XX/22. I have had no acknowledgment of investigation. Contacted Capital One and the sent me over to XXXX XXXX again. There is no number to reach Capital One XXXX XXXX department. 
Someone has XXXX of mine and not one company will provide any assistance My accounts Capital One GM MasterCard ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Also as a side note I have sent a XXXX balance transfer in the amount of XXXX to Capital One ( which was XXXX XXXX XXXX in error. The XXXX XXXX  customer service representative XXXX resolved within a week. During that time I received statement for Mastercard ending in XXXX and sent what showed as the balance of XXXX. 

I can't afford to lose XXXX for nothing and no one will help me. 

Thank you, XXXX XXXX XXXX XXXX XXXX Was just on with Capital One while filing this for 46 minutes without anyone picking up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: MI

Complaint narrative:
XXXX XXXX XXXX - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
A company by the name of XXXX XXXX ( XXXX XXXX XXXX FL ) knocked on our door and sold us under false pretenses a roof solar system. It turned out they were not the installer, they simply gave the contract to a company called XXXX XXXX XXXX XXXX FL ) who in turn subcontracted to a company called XXXX XXXX XXXX ( XXXX FL ). 
The loan for the XXXX XXXX was awarded to a company called Goodleap/LoanPal . 

On XX/XX/2022 The installers badly damaged and compromised our roof and took apart our electrical system. The solar system was abandoned in our garage due to the damage caused. We later found out that to this day the company has never had an issued permit to do the work. 

We made the lender Goodleap/LoanPal aware of this situation long before payments were due on the loan ( had direct conversation with XXXX XXXX XXXX yet they still insisted on taking money from our account for the loan when no permits have ever been issued, no inspections done and no system has been installed to this very day since XX/XX/XXXX. They have even threatened a lien on our home and ruining our credit. We want nothing to do with all of these companies. In our opinion they are highly predatory. We desperately need help from the authorities. And for the public to be warned and alerted about Goodleap/LoanPal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Booked a hotel on XX/XX/XXXX with chase ultimate rewards points being used, but multiple rooms were filthy and we checked out immediately and booked with a different hotel. I reached out to Chase on XXXX and during that week I was advised that I would be credited back the points used within 2 months. Credit was never posted and now Chase is refusing to refund me because they claim the initial hotel I booked with is refusing to refund them. Chase states that the hotel says I stayed for my full booking of two nights, that the rooms were clean and that I never spoke with their front desk. All of these statements are lies. Chase requested I send them a copy of the reservation at the replacement hotel on XX/XX/XXXX but they are still refusing to process my refund. There seems to be no recourse available to me in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I have been trying to request a payment link from Grain, once on XX/XX/XXXX and again on XXXX, to prevent any late payments from being reported to the credit bureaus. As I have previously experienced on several other occasions, I have not received any response back from either email and now my account is past due. The turnaround time for this company 's response is the worst I have ever seen and no one is ever available to answer phone calls. My credit payment history is now jeopardized as I am not able to log into my account or make a payment. On XX/XX/XXXX I received an email notification that they will auto draft the payment from my account, but that never happened and I am not able to log into my account. They are requesting that I provide PII ( Personally Identifiable Information ) via email which I am highly concerned with doing especially with a company that does not answer phone calls or respond promptly to service desk tickets. I am requesting that you pause any credit reporting until I am able to regain access to my account and remove any negative remarks. Additionally, I am requesting the required steps to regain access to my account as I have submitted the requested documentation with no response from Grain Technology and I am still locked out of my account. There are numerous complaints with the XXXX XXXX XXXX  regarding similar issues with many other individuals. This company is making it difficult to to stay current on my account as they have prevented access to my account and do not respond to email or support tickets. Their phone number is an endless loop so you are never able to get a response from a human or a timely reply to support tickets. They claim to offer a payment link on request, but I am not even able to get that because they do not respond to support ticket requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I have an account with Prosperity bank. The bank keeps taking out outrageous overdraft fees and its causing a financial strain in my life. I have never heard of being charged {$140.00} for a overdraft. Then each day they still charged me different amounts of overdraft charges. I dont know how they expect me to pay it all back when they keep charging me. They even went as far as putting another overdraft charge on a transaction that happened the day before but I had got my payroll check this morning so I was not in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: Sezzle Inc.
State: MI

Complaint narrative:
Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
I am not responsible of those Inquiries. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I had a newly leased vehicle with HCA Exchange ( KIA/Hyundai Motor Finance ) . The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the KIA finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The HCA Exchange company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, XXXX and XXXX. I have a letter from my insurance agency to HCA, it reads " Contact was made with HCA Exchange INC on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.

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 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: WI

Complaint narrative:
I was contacted by XXXX XXXX from Steel Rivers System concerning a loan now in the amount of {$2000.00}. XXXX XXXX stated that the loan was taken out on XXXX XX/XX/2021 through XXXX XXXX XXXX and was then transferred or sold to XXXX XXXX. The loan was deposited into a XXXX XXXX XXXX, location unknown at this time. I did not take out this loan and I am a victim of fraud and identify theft. Furthermore I have report this issue to my local police department, XXXX XXXX Sheriff 's Office, XXXX XXXX XXXX, Wisconsin. Police case number 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 2022-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Homeowners insurance was sent to XXXX XXXX in the amount of {$2200.00} on XX/XX/XXXX however it was never received as it was sent in a bulk payment. I called Truist to resolve on XX/XX/XXXX and again on XX/XX/XXXX as it was due XX/XX/XXXX and i was at risk of cancellation. On XX/XX/XXXX Truist assured me theyd overnight a new check then trace the wire and stop payment. I received a call from my insurance in XX/XX/XXXX as it still has not been paid and i wont get an extension past XX/XX/XXXX. I finally paid the bill myself and am not confident i will receive the funds back.

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