vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
This is my 3rd complaint against Navient. I am trying to consolidate my student loans and I asked them to provide MPN, verification of the debt I owe. They admit in the last complaint that my online account information was incorrect. Quote from Navient 's last response " After reviewing your Promissory Notes ( which we previously provided to you ), we have confirmed that your 16 Stafford Loans were disbursed to the University of XXXX, not the University of XXXX. Your online account at Navient.com was incorrectly showing the loans as being disbursed to the University of XXXX. Please note that your online account has been updated to reflect University of XXXX as the correct school. We apologize for any inconvenience this may have caused. It is important to understand that a consolidation loan is one loan and is serviced as such. The separation between the subsidized and unsubsidized portions of the loan is for interest subsidy purposes only. Therefore, you will see the separation between the subsidized and unsubsidized portions of your Consolidation loan online at Navient.com. Although the subsidized and unsubsidized portions are separated as explained above, it will reflect on your credit report as one loan. Please understand that your remaining concerns were addressed in our response to CFPB case number XXXX-XXXX  on XX/XX/XXXX. Although we empathize with your situation, our position on this issue has not changed. '' The information provided to be thus far from Navient is still incorrect. They provided me with one MPN for all the loans they service. It is not possible that this one MPN covers all loans they say I owe. The one MPN they provide was signed XX/XX/XXXX. It is not possible that this covers all loans. I was an XXXX XXXX during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I completed loan exit counseling in XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX I was a XXXX student at a different institution. My complaint is that the loans they say I owe in XX/XX/XXXX and XX/XX/XXXX can not be covered under the MPN Navient has sent me to this point. How am I suppose to know how much I owe and who I owe it to if Navient doesn't do their job and keep financial records?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: MT

Complaint narrative:
We entered into a business lease with with XXXX XXXX XXXX through a broker ( I did not know at the time ) XXXX XXXX for a purchase from XXXX XXXX XXXX for a 10 ' snow pusher and a 2.5 yard salt sander. However, XXXX XXXX XXXX placed the lease under my name personally as well as reported it to the credit bureaus. It was supposed to be under the business name only, XXXX 's XXXX XXXX which the contract reflects. I agreed to be the personal guarantor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Applied for mortgage in both XXXX and XXXX of 2019. 

Amount requested : {$100000.00} I am a first time home-buyer ; who submitted applications on approximately five different occasions. The stated applications were inadvertently cancelled by the bank, and my final application was denied. This process took over one year and has caused me to lose time, the sale price that I had negotiated for the home that I was interested in purchasing, and two grants that I was approved for.

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 2020-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX SSA deposited 2 SSA Checks {$1700.00} each into my account. Company handling the direct deposit said to wait 3-5 days to receive the deposit and i never received it. The company is now refusing to help and making the process of getting my checks harder then what it is. Cause the refusing to release the checks to me i am now homeless and missing school cause of this. I already contacted SSA and they said they tried all they can do and this was XX/XX/2020. Company is CashApp and the Bank is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: NY

Complaint narrative:
I am stating this is not my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash is listed on my credit report. The collection Agency listed is XXXX  XXXX. Contacted XXXX   XXXX regarding the debt of {$1100.00}. The reported the debt had been sent to the Attorney office of XXXX. XXXX XXXX. I contacted the lawyer office who reported that I needed to make an offer and they could not tell me an amount. I made an offer of {$520.00}. She reported they were not going to accepted that and would only accept approximately {$1800.00}. She reported that the original debt was {$1100.00} but there were additional feels and the new amount owed is {$2600.00} so they will only settle for approx. {$1800.00}. She stated that I would have to get an attorney as they are not willing to accept anything less that that. She was informed that we were not notified that we were being sued and I was trying to settle the debt within 7 days. 

I was trying to settle this debt and not pay for attorney fees. My address was not confirmed nor was there any additional information obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allgate Financial, LLC
State: TX

Complaint narrative:
JH PORTFOLIO DEBT EQUITY has been reporting derogatory remarks to the three credit bureaus for about four years. While this is apparently an old disputed debt from XXXX, I was never notified by JH PORTFOLIO DEBT EQUITY nor have I ever sign a contract with them regarding the dispute with XXXX. XXXX would call harassing me and calling me names when I lost my job and became sick. As many times as I begged over the phone and in writing, I was refused the right to a payment plan which was guaranteed by federal law. When I disputed the bill thru the FTC, XXXX removed the derogatory remarks from my credit history. However, the derogatory remarks started appearing under JH PORTFOLIO DEBT EQUITY. 

Under the Fair Credit Reporting Act, is it legal for a creditor to refuse to work with a person who falls due to indigent circumstances? Is it legal for a Debt Collection entity to assume reporting of derogatory remarks while never notifying the debtor of the alleged debt? Is it legal for for a Debt Collection entity to fail to follow requirements of the Fair Credit Reporting Act by notifying the debtor? 

What is the protection for debtors who fall prey to Debt Collection entities such as JH PORTFOLIO DEBT EQUITY who collaborate with creditors who have already violated the Fair Credit Reporting Act to continue ruin someone's credit after eight years?

I have continued to dispute this with the Credit Reporting Agencies. However, they continue to update as a valid date. How can the credit reporting agencies take the side of the creditor when there is a he said-she said scenerio?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: SC

Complaint narrative:
I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a XXXX XXXX rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the XXXX XXXX account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX  I received a call from another XXXX  XXXX rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. XXXX XXXX also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.

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 2020-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I noticed my Best Buy card balance increased, when I called I was told the balance was due to zero finance interest expiring. I'm being charged {$900.00} on a {$34.00} balance. The representative assured me it would be removed once the {$34.00} was paid which I did while on the call. The {$900.00} has not been removed. Best Buy website does not allow for allocation of payments made. If you're making on time monthly payment additional payments I would think the funds would be allocated to cover charges made on zero interest plans.

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 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Received a call from an attempt to locate from XXXX XXXX is the name that popped up on the caller ID. Stated it was concerning the Cash Store about a loan obtained in XX/XX/2013. The state of Texas has a 4 year debt collection limit and it is way past that. They threatened to take legal action. Wanted an out of court settlement. I stated to the caller about the debt collection time limit and hung up. I did not verify any information. Last payment on this was made XX/XX/2013 in the amount of XXXX. I paid them a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2020 my Costco Citi credit card account has been closed, I come to know through my Citi mobile app. I called to customer service of Citic bank and they said my account has been closed and they do not know the reason but I should receive a letter explained the reason. 
I got a letter on XX/XX/2020, but it does not have the reason mention. I called the customer service again and they said me to send a request form to Citi bank location to ask for the reason of my account closed.

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 2020-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MA

Complaint narrative:
I tried to transfer out {$5.00} from my Discover savings accounts to my checking account at a different bank. I received this message, " Your transfer must be greater than or equal to {$25.00} ''. I have not had this experience with other banks savings accounts where a minimum amount is required to set up a transfer without using a bank representative. Is this allowed under bank regulations to prevent access to funds if less than {$25.00} is available?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020, I received a credit for a partially refunded transaction placed on XX/XX/2020. On XX/XX/2020, TD Bank charged me an overdraft charge of {$35.00}. Upon calling to dispute the transaction, the rep i spoke to stated the bank could not waive the fee as a 1 time courtesy, considering I am a new customer and the funds were immediately refunded prior to the fee being charged. When the transaction that overdrafted my account posted, I thought there were sufficient funds, considering the XXXX dollar refund that was credited to my account. I was unaware it would take several days to post. When asked to speak to a supervisor, the rep told me she was a supervisor and that she was taking calls due to high call volume. The rep at TD Customer Service would not escalate the call. It was disappointing to realize I was unable to escalate the call. Overall this was a frustrating customer service experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
Someone stole my personal information and later used that information to open the following acct. in my name : Toledo Finance Opened :  XX/XX/19 Amt. XXXX I have provided them with my Police report and FTC ID Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I would like Credit Acceptance to provide a document from XXXX XXXX XXXX that confirms the sale amount of a car that was repossessed on an account with my name listed on it. This is needed to ensure the balance on the account is correct.

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 2020-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one reports that my account is past due ( 30/60 days late ) but I paid my account in full and they told me before I submitted the payment that Im paid in full and that they wont report anything negative on my credit. The representative lied to me over the phone and they refuse to give me the recorded call. It is against federal law to report inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am in XXXX school seeking an in-school deferment for payment of XXXX student loans. My lender, XXXX/MOHELA, refuses to accept enrollment verification from the XXXX XXXX XXXX  or the XXXX XXXX XXXX XXXX XXXX as support for an application for in-school deferment. XXXX/MOHELA requires that a representative from my current school fill out and sign part of the deferment application to verify enrollment. However, my school contracts with the XXXX XXXX XXXX to be the sole provider of enrollment certifications and, therefore, will not fill out the XXXX/MOHELA form because of contractual obligations. The registrar at my school has dealt with my lender on multiple occasions and has told me that XXXX/MOHELA will begin to accept the XXXX and XXXX   data as proof of enrollment. XXXX/MOHELA still refuses to accept my deferment application without a signature from a school official. 

Apparently, private lenders should be able to view enrollment, and my lender has in fact viewed my enrollment, on the XXXX   website. My school and the XXXX XXXX XXXX notified XXXX/MOHELA of my enrollment each and every semester. This has been an ongoing issue for two years. 

Initially, XXXX/MOHELA told me that XXXX and XXXX   data is only acceptable to public lenders, not private. After the registrar 's office at my school told my lender that what they told me is incorrect, XXXX/MOHELA now denies my in school deferment application simply because they do not accept verification from third parties. The form of verification I provide is acceptable and proves that I am currently enrolled full-time and in good academic standing, however, it is just internal policy at XXXX/MOHELA to refuse such verification. The repeated denial of in-school deferment has led to increased payments, late payments, and negative reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This account is a result of fraud and identity theft. This account does not belong to me and was opened as a result of identity theft without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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: GA

Complaint narrative:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

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 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I was looking on my credit report and saw a charge from speedy cash in which Ive never taken out a loan for. I submitted my complaint through them but they said Id have to file it with yall and or my local sheriff department. It was in XXXX of 2019 and it was for {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: AR

Complaint narrative:
This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOEXXXXI XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: AR

Complaint narrative:
This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00XXXX XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation