vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I was directed by my school ( XXXX XXXX XXXX, now closed ) to apply for private student loans with Navient in XXXX. The original balances were {$10000.00} and {$9100.00}. I have made my {$450.00} payments every month since XX/XX/XXXX, besides when I was in-school deferment or financial hardship forbearance, never going into default. It is now XX/XX/XXXX, and those private student loans have current balances of {$24000.00} and {$10000.00}. The interest rates are are 12.25 % and 7.25 %, respectively. 

At the beginning of the pandemic, I decided it was a good time to go back to school. First, to be able to finally finish my XXXX XXXX XXXX, but also because I could not afford to pay my private student loans, which did not qualify for the federal government 's student loan freeze. I began classes in XX/XX/XXXX, but was just informed by Navient that I have reached my limit of 48 months of in-school forbearance, which I do not recall ever being informed about. 

Private student loans can not be consolidated, or put on income-based repayment. I reached out to Navient to try to refinance these loans, but they informed me that they are not currently offering refinancing. I reached out to other student loan servicers XXXX, and XXXX, but they also can not help me. I am feeling hopeless that I will ever be able to pay off these loans are the balance seems to just go up instead of down. It is my belief that the interest rates that Navient is charging are exorbitant, and their unwillingness to offer me anything else besides more forbearance, which increases my loan, is unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.

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 2021-02-12 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: DISCOVER BANK
State: VA

Complaint narrative:
I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %. 

When I make my monthly payment, it is being applied to the Balance Transfer amount at 6.99 %. My oldest transactions are 10.99 %, and are not having the payment applied to it. 

When I make a payment, it should be applied to the oldest transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by 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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XX/XX/XXXX I leased a Honda for 36 month term which ended XX/XX/XXXX. I bought the same vehicle on XX/XX/XXXX. Paid all my dues including the buyout amount on time XX/XX/XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was CLOSED. 
All my credit bureau reports show the XXXX account as CLOSED on XX/XX/XXXX and in good standing so far XX/XX/XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XX/XX/XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XX/XX/XXXX and the one before in XX/XX/XXXX was for XX/XX/XXXX. I didnt reside in XXXX in XX/XX/XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XX/XX/XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX XXXX # XXXX. Please find attached the Case details, content and all online tracking information XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX I paid the full amount {$560.00} XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted XXXX Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XX/XX/XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Through certified mail, USPS, I have asked the company to send validation that this account is mine. The company has not returned any information that proves I entered into a contract or any agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
We bank with XXXX and they use FISERV for online bill pay. On XX/XX/XXXX the bank attempted to send 2 bill pays, one for {$100.00} and one for {$120.00}. We apparently didn't have enough funds in the account, but FISERV did pay the bills for us. FISERV sent us a collection letter stating we owed them the funds and gave us a phone number of XXXX to reach them. We called on XX/XX/XXXX and spent over 60 minutes on hold. We called back the evening of XX/XX/XXXX and spent about 15 minutes. We called again today, XX/XX/XXXX, and spent another 30 minutes on hold. We have been unable to reach this company to resolve this issue. The only other option on the phone is to get a mailing address to send a physical check to. This company has suspended our ability to pay our bills online, and is not providing a speedy or efficient resolution to the issue. Besides the fact I have YET to speak to anyone from FISERV. We called XXXX, our bank, and they told us we have to talk to FISERV. This has been a completely horrible process and FISERV is not responsive at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I purchased my home in XXXX of XXXX. NewRez took over my loan from my original mortgage company in early XXXX. Loan # XXXX. My property taxes are approx {$13000.00} per year. In XXXX of XXXX New Rez raised my payment amount from {$2400.00} to over {$3600.00} per month. After multiple calls and inquiries they explained that my taxes were increased by this amount. I spoke with my township and they assured me that they did not increase. NewRez is misreading my bill. They saw an adjusted bill for the portion of XXXX when I lived there and added it to my total bill. I pay my bills electronically and set up all payments well in advance. My payments were short before I noticed this in XXXX of this year. NewRez has refused to contact my township and will not refund penalties and late charges. In addition, I have asked them in writing to cease all escrows and allow me to pay my taxes separately. They so far have refused to do so. In addition to the unfair charges ( {$250.00} ) this has negatively affected my credit rating. 
XXXX XXXX

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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Debit card was fraudulently used at XXXX / XXXX for the amount of XXXX $ In small increments over about a period of a month. 

Multiple small transactions were made over a period of a month or so. 

Attempted to call XXXX upon finding these transactions in my statement. This did not resolve my issue.

Contacted Navy Federal Credit Union to file a dispute and replace my debit card. 

Navy federal denied my claim for fraud with little to no evidence given to me as to why. 

They have refused to helped since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have tried working with wells fargo but they continue to lose my documents and continue to delay the review. 

On XX/XX/2021 I submitted the 4506t form that they had asked and for over 3 weeks now continue to ask me for the same document. They are just playing games and I need to save my house. I shouldn't have to resend over 3 times the same copy of the document when their document in take team doesn't properly look at documents. 

They have wasted now almost a month waiting for a single form that they already had.

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 2021-02-12 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
1. I sent a check by mail from my bank in amount of {$88000.00}. It took a long time to post so I stopped payment and they posted the check on XX/XX/XXXX and reversed on XX/XX/XXXX. I notified the bank by phone of the stop payment on XX/XX/XXXX.

2. So, next I wired the funds corrected and I have transmittal receipt with confirm etc. on XX/XX/XXXX. As of XX/XX/XXXX the funds are not posted and they claim not to have the funds. The transmittal and confirm of wire has been sent and it does contain correct account nos. bene info etc. this amount of payment to principal curtailment is {>= XXXX}.

I also send to other ach principal payments from XXXX XXXX. One for {$2000.00} which posted to principal on XXXX and one for {$730.00} which posted to principal on XXXX. Both were correctly posted to principal. Both were send intentionally to post on separate dates. Now the payments of {$730.00} and {$2000.00} have been reversed off as misapplied. I do not have the funds anymore. Where is my money? Why are they playing games with the wire and posting and reversing postings without good reason? Are they kiting money to make payments on packaged mortgages? CLOs?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: OR

Complaint narrative:
To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.

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 2021-02-12 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: FL

Complaint narrative:
I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate 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 2021-02-12 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: TN

Complaint narrative:
Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate 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 2021-02-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX ) off my report with XXXX  and equifax. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been fighting for 6 months to get this fraud account from PYOD LLC ( XXXX XXXX XXXX ) off my report with XXXX  and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm writing seeking your help about my dispute letters sent to all three bureaus on XX/XX/2020 regarding the inaccurate things on my credit report. As of today I have not heard anything about their investigation. I have been working on the front line battling Covid-19 for over a year now and you can't imagine how much stress I have been under with dealing with death after death of patients under my care. Being helpless and doing as much as I can and not being able to save them is the worst feeling. As soon as I was able to breath again I decided to pull my credit report and to my dismay I find all these inaccuracies.

Company response to consumer: Closed with explanation