vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I took out several small student loans with Discover Student Loans in the XXXX 's while attending the University XXXX XXXX. In XXXX, I entered into Chapter XXXX Bankruptcy, but continued to make payments on these loans. During the course of bankruptcy, I received notice from Discover that my student loans were being sold to another servicing company, and the company name and information would be provided. I never received such information. Over the course of the six years I was in bankruptcy, I made attempts to contact a list of names of servicing companies Discover provided. None claimed to own my loans. With Discover disclaiming my loans, and the servicing companies who allegedly purchased my Discover loans also disclaiming them, I had no one to pay. I was discharged from bankruptcy in XX/XX/XXXX. Since then, I have received no communication from Discover or their subsidiary Student Loan Corporation ( SLC ). Today, I checked my credit reports to find that both Discover and SLC have entered negative remarks in to my credit reports for XX/XX/XXXX and XX/XX/XXXX. I called SLC who advised they could not " bill '' me for XXXX or XXXX because I was in bankruptcy. This is false. If Discover or SLC believed I owed them money, they could have billed me any day after they were notified of the discharge of my bankruptcy. They did not do so. I am especially disturbed about SLC entering negative information into my credit reports because I never specifically entered into any agreement with them to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is my student loan provider. I know that there was legislation passed for student loans providing for at least 90 days of deferment and waiving of late fees. I have two loan providers. one of them auto enrolled me into the deferment, whereas navient has kept the loan active and has been charging me late fees. I have attempted to call them on several occasions and receive a message that the office is closed and am then disconnected. 

Call attempts XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I contacted Credit Karma on XXXX about someone creating a fraudulent account with the email XXXX and using it to access my personal information. The case number was XXXX. I provided documentation to verify my identity and on XXXX the account you XXXX was deleted and an account with my current email address XXXX was created. On XXXX i lost access again to the credit Karma account and sent them another email and I never got a response and havent had access since. On XXXX, i received an XXXX  report that detailed all my hard and soft inquiries and i noticed someone did an inquiry on XXXX, XXXX, and XXXX. At that point i tried to access credit karma again and it showed their was an account created with a similar email address XXXX. Its similar to my real email address but it spells my middle name with 1 XXXX  instead of 2 XXXX 's. Im thinking when whoever tried to access the fraudulent XXXX account and seen it was disabled. They used the lookup tool and entered my personal information and it tells you what email address is associated with the Name and social provided. Which is the same way I found out the email address associated with the fraudulent account. I contacted credit karma and they told me I probably mistakenly set up an account with the wrong email address. Fortunately I have all the emails from the XXXX case and it shows what email i used to set up the account. The person whos accessing my personal information is dangerous to me and my family and thru my report they can get my addresses, mortgage information, income, who i bank with. All the information necessary to do irrepairable damage to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MA

Complaint narrative:
We requested the cancellation of the XXXX XXXX  in XX/XX/2018 as we moved to another address that the company could no longer provide us with its service because there would be no coverage at the location and as they guided us we returned the equipment at XXXX and at the time the attendant said that we would not need proof as they would automatically download the system. after 1 month of our move the XXXX   sent us the last charge for a month that was not even used since we had made the cancellation request and they did not do it, but to avoid fighting we accepted to make the payment and did not make any complaints. After 2 months again after making the payment this time the XXXX  sends us a new charge, but this time it would be for the equipment that was returned by us since the beginning of the service cancellation request at XXXX and thus started our fight with this company that we thought they were suitable until now because we stayed for 2 years as their customers. And even after explaining over and over again that we had returned the equipment, they still insisted on charging us for something that we returned until now that month we had the unexpected news that this company put us in collection for something we shouldn't and that was returned and that if there was an error it was not on our part and in addition we tried to contact XXXX and they informed us that they no longer have the information because the XXXX removed us from the customer system.

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 2020-05-25 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: NY

Complaint narrative:
I am stating these are not my accounts and I would like them 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 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The whole thing started when I filed for my tax return through XXXX XXXX and XXXX XXXXXXXX site would not allow me to use my bank account. The site prevented me from using my bank account and would not give me details why. I tried but gave up. Two days later, XXXX XXXX emailed me to complete my tax filling through a link. But because I trusted XXXX XXXXXXXX, I went on to complete the filling through XXXX XXXX. I was unaware that the link from XXXX XXXX will be used to get my tax refund into another account that will not be my original bank account but a different bank to start a new deal with them as a new card user. When I realized through the email sent to me on XX/XX/2020, I called the bank which I later came to understand as America express to stop payment because I never intended to use their card service ( which is a prepaid card ) but it was XXXX XXXX who link me to complete my tax return through it. The representative who responded to my call told me there was nothing to be done except I reach out to the IRS or better still XXXX XXXX to make the adjustment to stop the payment. I immediately contacted XXXX XXXX but never got a reply on this issue until about three weeks later when I got a reply from them pretending to be unaware of the development and I reechoed the same concern to them about my refund going into a prepaid card against my consent but XXXX XXXX never addressed it. Up till this day the card I received from the America express serve is not working and this issue has put me in a more frustrating level financially as I did not have source of income currently and only living from air to air. I am crushed! I wish I could file a law suit right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
My complaint is against XXXX XXXX XXXX. I have explained to representatives on a weekly basis that due to the pandemic, I was unable to make a payment until XXXX. I asked for a payment arrangement in XXXX as I did with our other vehicle lender. I was told it would be fine, just to call week by week as they were only to hold payments week by week, which I did call. Now when they call, they share that if I am not able to make a payment, they can not make any notes on the account. I am also told that no payment arrangement can be made until the balance is paid. Well I asked for an extension in the beginning and was told different things by different representatives. I know that these calls are recorded so you can listen to the nonsense for yourself. No I get calls at least 2 or 3 times a day, then received a letter saying once they are able to repossess the car, they will. I mean, this is a pandemic and seem to be the only lender threatening their patrons. This is an ongoing issue with American Credit Acceptance XXXX. I am not able to speak with a Supervisor and they will not email any updates regarding payments. The representatives are rude and just totally unempathetic to individuals struggling during COVID-19. I am really concerned with their unfair business practices and the constant harassment from representatives. I have had different conversations explaining our situation and it does not seem to matter and now it is getting out of hand. I am really not sure who else to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Summary : I purchased a patio set online for {$370.00} at Kohl 's on XX/XX/XXXX using Kohl 's credit card. The patio set was received damaged on XX/XX/XXXX, and returned to Kohls on XX/XX/XXXX. On XX/XX/XXXX, I received a credit on my Kohls card for {$300.00}. I called Kohls on XX/XX/XXXX to find out why I received an incomplete refund on the return. The representatives and finally XXXX, the manager, repeatedly stated that I would receive {$70.00} in Kohls XXXX instead on my full refund, since I already used the {$70.00} I received on the patio set purchase. But, I did not use the {$70.00} Kohls XXXX. Background details : Based on my XX/XX/XXXX purchase amount, I received {$70.00} in " Kohl 's XXXX '' that was valid XX/XX/XXXX - XX/XX/XXXX. I placed an order on XX/XX/XXXX using the {$70.00} Kohl 's XXXX ''. The next day the patio set was received damaged. When I spoke with Kohl 's on XX/XX/XXXX, to discuss the return of the damaged patio set, I also asked if they could cancel my XX/XX/XXXX order that I used the Kohl 's XXXX  on, since I knew Kohls policy would be to charge me {$70.00} cash ( because of the return ) if I didnt cancel the order. They said since the stores were closed, the only option is that the order would cancel automatically if I didn't pick-up the order curbside. I received notice on XX/XX/XXXX that Kohls cancelled this order which used the {$70.00} Kohls XXXX. Once this order was cancelled, the {$70.00} Kohls XXXX was in fact not used, and I did not in fact earn {$70.00} cash on the patio set after it was returned. I find it unethical, and may illegal, that Kohls is receiving my money and returning it as Kohls XXXX and will not provide me with a complete monetary refund on my returned purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
Since my mortgage was transferred to PennyMac in XXXX of XXXX, my payments have steadily increased, despite a reduction in my Property taxes. Before my mortgage was transferred to PennyMac, my payments were XXXX, my payments have increased every year since XXXX, with the current payment being XXXX. 
I was told that my monthly payment increase is to offset a shortage in my escrow, however my property taxes and homeowners insurance is current, and although my homeowners insurance has increase, recently my property tax was reduced, my escrow should be XXXX. XXXX, however PennyMac, is currently charging me XXXX. 
My payment should be as follows : Mortgage : {$450.00} plus escrow ( {$230.00} ) = $ XXXX County Tax : {$670.00} City Tax : {$170.00} Hazard Ins : {$1900.00} Total Payments from Escrow : {$2800.00} XXXX = {$230.00} However, PennyMac monthly statement reflects XXXX. 
My property tax was reduced effective XX/XX/XXXX, however PennyMac, never applied the refund to the balance of the loan and or refunded the amount to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Everytime I call I'm automatically directed to Fraud Department or Fraud Prevention. I have a prepaid card that was ordered on XXXX I never got the card I called to have a second card expedited it never came and a tracking number is not provided now these people want to order a new card and says now I need to send photo ID no one ever gave me instructions on how to send

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my XXXX and TransUnion credit reports.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I attempted to contact synchrony bank regarding payment from my optional XXXX insurance. Claim Number XXXX. I was advised on a prior conversation that the creditor paid {$770.00} of the bill but also agreed to waive several charges for program fees, interest, and late fees. However, when I asked for a letter indicating this they refused to provide proof of such which I think they are legally compelled to do both under truth in lending and because I need to provide this information to my tax professional. Further, this account has been referred to a collection agency and I advised Synchrony Bank that while the collection agency cashed the {$770.00} check they are not waiving the rest of the bill so I need the benefits information in writing ( including what synchrony bank has agreed to write off for program fees, interest, and late fees ) so my attorney can get the collection agency to write the charges off and fix my credit. 

Please send me a breakdown of the payments and the write-offs as a response to this complaint.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The same complaint was also filed in early XXXX but not sure what happened to it. 

I made a purchase of ~ {$700.00} on XX/XX/XXXX using Amazon credit card from Synchrony. I started to make monthly payment but months later noticed that my account balance was staying the same. Towards the end of XXXX, I contacted Synchrony and asked why my balance was staying the same, they said it was due to Card Insurance that was being added to my account each month. First, I never asked them to add Card Insurance to my account. Second, when I learned of that, I told them to remove it immediately. But, months later I was still added card insurance and I decided to file a complaint with CFPB, FCC and Texas Attorney General. 
In XXXX, I noticed that card insurance was still being added to my account so I called Synchrony again and requested to remove it. They gave me a phone number to cancel it. I called that phone number and requested to remove it but these idiots never removed it. 

If my account is not been reimbursed for all these unauthorized charges by the end of XXXX, XXXX then I will file a case with Small Claims Court for fraudulently adding these charges to my account and piling up extra interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 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: NJ

Complaint narrative:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : SANTANDER CONSUMER USA. 
DATE OPENED : XX/XX/2012 AMT. XXXX THEY SAID THEY DID NOT RECEIVE A CLEAR ID, WE FAXED IT TO THEM AND THEY SAID IT WILL BE REMOVED WITHIN 48-72 HOURS, IT HAS NOW BEEN OVER A WEEK.. WE STARTED THIS DISPUTE 2 MONTHS AGO, IT HAS BEEN OVER 30-45 DAYS. WE HAVE PROVIDED THEM WITH THE POLICE REPORT, ID THEFT AFFIDAVIT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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