vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
With the recent notification from the Department of Education regarding XXXX interest pause ( https : XXXX ), I contacted my servicer ( Navient ), about my consolidated XXXX loan XXXX XX/XX/2021. They responded on XX/XX/XXXX with this response : " XXXX, Thank you for contacting us with your inquiry in regards to your student loan interest. I would be happy to help. 
Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX ( XXXX ) program. 
Only U.S. Department of Education ( ED ) owned student loans are eligible for this program. You have a XXXX XXXX loan which is owned by Navient and is not owned by ED, therefore is not eligible for the 0 % interest waiver provided by ED. This loan will continue to accrue interest at its current rate. 
If you? re having difficulty making payments due to COVID-19, give us a call at XXXX. You may be able to postpone your payments with a disaster forbearance or explore other programs to help lower or postpone your payments. 
If we may be of further assistance, please feel free to contact us at anytime. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX ref : XXXX : ref '' I don't agree with the statement, " Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. XXXX If it was under the XXXX program, how can it be taken out under the XXXX program? That doesn't make any sense and is not correct from what I have read from the government. 
Can someone help? What can be done to Navient? For other borrowers? 
I appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bank is in breach of cardholder agreement. Bank is holding cardmember liable for fraud charges. Police reports filed. Protection order in place. Bank is tampering with accounts and restricting them not allowing consumer access to funds. Bank is rejecting direct deposits and keeping the money for them self. Bank has stolen money out of consumers savings account, and refusing to release

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 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arco Collection Services LLC
State: TN

Complaint narrative:
This is not my debt. I have been paying this debt for years. I call to make a payment in XXXX of 2021. The lady was verifying my information and she said what kind of car I was paying for. I asked her to give me the information again and that is not right. She said you been paying this for years now. I said I was never told what kind of car only that you were garnishing my check. I had just had my check garnished. I got a letter from a attorney that it was paid in full. I talked to man last name XXXX who was very very rude. Arco Collection in XXXX, Tennessee had stolen money from me for years and knowing full well this debt is not mine, I deserve all my money back from these bullies. I want my money back they stole from me for years now I was bullied into paying these bullies. They will not give me any paper work nothing. No details!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and i haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
We had an auto loan with Valley National Bank from XXXX. In the course of the loan we moved to a new address but we made sure that the bank is notified of the address change. We called the bank by phone and made the address change. We went in person to the local Valley bank in XX/XX/XXXX and made the address change because their system still had old address. On making my last payment of the auto loan in XX/XX/XXXX I confirmed with the bank my current address to send my title and documents. Even after a month I of paying off my auto loan I did not receive my title. I went to the local bank in XX/XX/XXXX and I was told that the bank sent the documents to my old address in spite of me calling by phone and informing of my address change 4  years ago and also went in person last year and made sure they had the current address and even while making my last payment I made sure they had the current address on file which they said they did, still they sent my title and documents to old address! When I went in person the lady said the address is not updated and she herself updated it for us. 
Now it is XXXX of XXXX, XXXX months since I paid off my auto loan and I still do not have my title and documents from the bank. I reached out to the local bank again and I was asked to email them all the details of my loan along with my current address which I did but now after sending the email even the local bank is telling me that they do not have any updates for me because the bank has no update to provide. 
Worst ever customer service I experienced with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: AFNI INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... AFNI ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
I mistakenly submitted a purchase order for {$800.00} to buy XXXX using a checking account that I thought had available funds when it didnt. That was a mistake on my part. This transaction occurred on XX/XX/2021. The amount was charged back to my bank and Binance requested that I submit both a bank account statement and a short video with my drivers license reading a passage to confirm my identity for risk management purposes. After I completed this I would be allowed to continue trading and/or withdraw/deposit again on their exchange. Of course the {$800.00} needed to correctly deposited on the exchange which I did complete as well. 

I have completed the requested video and supplied the requested documentation but they will not respond to support tickets or allow me to trade or withdraw my money from their exchange. In total I now have over {$4000.00} locked in their exchange with no access to the funds because they refuse to answer support tickets. Their CEO is the only response that I have received a response from and that was via a comment on XXXX after numerous users including myself called him and his exchange out for refusing to respond to support tickets. He responded saying that he was was sorry they have too many support tickets. That sounds like a mismanagement problem on his part. Hire more staff or shut off your exchange to new customers if you cant handle the incoming flow. Theres a reason XXXX is able to buy XXXX stadiums and your beta cuck exchange cant. They care about their customers and are financially rewarded for doing so. 

I want my XXXX, Tether, XXXX, and LINK off this exchange immediately. I want my ability to trade, deposit, and withdraw assets restored as well. There is no reason for them to not respond to tickets # XXXX submitted on XX/XX/2021 and # XXXX submitted a few days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
My SSN - XXXX CITIZENS ONE AUTO FINANCE Inquiry XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. Also, I will be filling a complaint with the XXXX due to the mistreatment and unwillingness to help me resolve this hardship the Chex System has brought upon me. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX  data breach and XXXX  data breach it seems it got into the hands of the wrong person. Also, I've had my wallets stolen with all my personal information in during this pandemic. I filed a FTC report in regards to this situation. I need this taken cared of immediately.

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 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Hospital billed me {$500.00} for a procedure in XXXX. I paid {$300.00} through my insurance to the hospital on XX/XX/XXXX. I paid the remaining {$200.00} through the hospital 's online payment portal on XX/XX/XXXX. In XXXX of this year I noticed that the collection agency had reported the a debt of {$200.00}. I never received a letter from this company stating that they were trying to collect a debt which is illegal under the FDCPA. I've tried contacting the billing department of the hospital as well as the collection agency. The billing department continues to say that it is being investigated. The collection agency has provided no response.

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 2021-04-05 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I bought airline ticket with my Apple Credit Card and due to covid-19 the airlines did not travel in my requested dates. The airline ( XXXX XXXX ) didn't process a refund nor answer my phone calls, same with the website I bought the ( XXXX  ) I submitted a claim with Apple customer service and they said that the charge was not fraud. I explained it was not fraud and resubmitted the claim twice. XXXX agreed to give me the money back and never did. Now I go to XXXX website and they said they can't process the refund due to the credit card dispute. Apple is telling me that they can't refund the money because I agreed to the XXXX terms and conditions and they won't give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I've been a customer of GM Financial for two lease vehicles. I have NEVER been late until XX/XX/2019. I was XXXX  with TWINS & me & my spouse was planning to purchase a home because our family was now expanding & we needed more rooms. We were on our way to a meeting with our mortgage consultant & it starts to snow & it turned into a blizzard. A truck zooming by spinned out in front of my husband 's car causing our vehicle to flipped over & hit thr bank. I was 6 months pregnant. They had to cut the top of the vehicle to get me out. My husband was injured & so was I. I had to have an XXXX  XXXX. XXXX XXXX, died immediately out of the womb, XXXX XXXX XXXX XXXX XXXX was in XXXX ( I found out about the XXXX baby after I came out of XXXX ). XXXX XXXX died a few days later as well, he was the smallest. I was inpatient in the hospital while my last baby fought for his life. He soon died as well. I was released to a inpatient rehabilitation center, but now it was XX/XX/XXXX. My lease note was due XX/XX/XXXX. To be honest, the last thing that was on my mind was GM Financial. I had just lost XXXX kids & me & my husband were both injured & I had one child at home still. My mom brung my mail to my facility & I called GM Financial to explain the situation via online messenger. I paid it immediately, 32 days past due. I told them that I have a great credit report/score, no late with them or any financial institution on my credit file & asked if they could forgive the late payment as a good will gesture. They denied me after calling about it several times. I even emailed the CEO to explain & her assistants were very rude to me, unapologetic & lacked sympathy. I couldn't believe how they were handling me after this very vulnerable moment. The late marking was accurate, but due to no fault of my own. I had no control of the situation. I would've never been late if circumstances were different. This is the only late marking on my file. All the other institutions were so understanding. This negative marking has ruined my credit profile, has caused me to be denied other credit & low APR 's even with a healthy profile & a credit score of over 740. I have been a great customer to this company. I will never lease with this company again because this one minor thing has shown me how this company feels about me as a client. Out of all the people I've talked to at GM Financial about this, not one has even said, " I'm sorry for your loss. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Experian and XXXX  regarding an account being reported by XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX  responded that the account was unable to be verified and deleted it from my credit report but Experian and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

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 2021-04-05 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.

Company response to consumer: Closed with explanation