vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: VA

Complaint narrative:
I am contacting to possibly receive the best guidance for relief from a Private Student Loan obtained on my behalf, unbeknownst to me, by XXXX XXXX XXXX XXXX in XXXX, Virginia in 2005. During the enrollment process, the language was streamlined to convey obtainment of federal financial aide to cover tuition costs. I was unaware that the loan obtained was gained from a private lender. I now have {$12000.00} in interest being charged for a loan to a school that I ended up finding out had no accreditation, for which none of the credits can be transferred to any accrediting university. I am willing to pay a fair price for the loan since I completed XXXX  XXXX  at the school, however, I am open to a pathway to loan forgiveness since the process was disguised and the very few credits I obtained are useless. I've attempted to gain contact to the private lender to discuss this matter directly, however, Navient- who has custody of the loan is unwilling or unable to give me this information and doubles down that there is nothing else that can be done. I'd like to issue this complaint against Navient, however, the more direct complaint is to the Private Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: WV

Complaint narrative:
Equifax participates in willful, ongoing and repeated failure to provide any real response to inquiries, disputes and requests for information. I exceed the identification requirements each time I submit a request, yet they continually send responses that request identification, despite that information being provided already. The law requires their timely response. Their responses are as ambiguous as possible, not referencing which dispute they are responding to, and basically sending a form response that means absolutely nothing and provides no useful information or feedback on any given dispute. From this point forward, all disputes will be cc 'd to the Attorney General 's office and legal counsel for review. How many complaints like this will it take for CFPB to correct the issues, instead of just counting on the companies to comply with law? Clearly the companies are not interested and don't care about compliance, so consumers submit complaints to CFPB, thinking it will make a difference, but yet the companies continue with their non-compliance, without consequence. How long do consumers need to put up with this level of abuse of power? These companies hold an enormous amount of power of consumers and can and do affect livelihoods, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the FCRA it is unlawful to report unauthorized inquiries on my credit report therefore i ask that the following inquiries be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Creditors Bureau Associates
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion did not cancel my subscription leading to ~9month of charges for services that was not used. In total, it amounts to {$250.00} of charges that I was not notified around. Tried to cancel several times over the phone and told it was cancelled but the charges continue to happen.

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 2021-08-30 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Refinanced loan and sent payoff check to Kia Motor Finance Company in the amount of {$23000.00}. The loan amount the day of payoff check cashing ( XX/XX/2021 ) was {$23000.00} ( principle plus interest ), resulting in an overpayment of {$390.00}. As of XX/XX/2021 I still have not received a check for the overpayment from Kia Motor Finance. 

Called on XX/XX/2021 to ensure the payoff check had been properly applied to account. 

Called on XX/XX/2021 to inquire where the check for overpayment was, was told they were still processing it. 

Called on XX/XX/2021 to inquire where the check for the overpayment amount was, sat on hold for 20 minutes with the representative and was disconnected. 

Called for the second time on XX/XX/2021 to inquire where the check for the overpayment was and was told they could send an re-issue request however, that would result in an extra month to receive the overpayment check.

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 2021-08-30 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:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit 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 2021-08-30 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: WAKEFIELD & ASSOCIATES, 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 ( Original Creditor : XXXX ) XXXX / ... WAKEFIELD ( Original Creditor : 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 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
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 ( Original Creditor : XXXX ) XXXX / ... XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... CAPITAL ONE 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 2021-08-30 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$0.00} XXXX - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
The ice maker on my refrigerator was broken. I called XXXX XXXX XXXX. The technician arrived. He told me the engine that runs the ice maker needed to be replaced and offered the XXXX Warranty Plan for a reduced price, I agreed. The plan covered a maximum of 5 appliances. I have other appliances in the house, so it made sense. During the visit, the tech wanted to send information to my smart phone. I do not send important information through my phone and told him if he would send to my email, I could access on my PC. ( I am working from home ). He ordered the part ; I gave him a check for {$630.00} and the technician left. After he left, I viewed on my email two service alerts for two dishwashers. Like most people I only have one, and the receipts were for brands I do not own, XXXX and XXXX, I own XXXX. Also, there was an email receipt for the order of an ice cabinet '' not the " ice maker engine '' that I was told I needed. Also, as I moved through the legitimate receipt, there are also two more receipts for the dishwashers, that I do not own ; charge {$0.00} for both. I was charged {$410.00} for labor, {$200.00} for the ice cabinet and {$12.00} for repair costs a total of {$630.00}. This, I assume was the price of the warranty. Although the tech was at my home for over one-half hour, he did not look or evaluate my XXXX dishwasher XXXX As I looked at my emails, and did not see the " ice maker engine '' on the receipt, but the cabinet that houses the ice, which I did not need, but no ice maker. I thought something was fishy going on. I immediately called XXXX Home Services and cancelled the warranty. The associate told me I had to call the next day because the techs ' information would not be downloaded in the system until 24 hours had passed. I called the next day and cancelled and put a stop payment on my check. Which I believed I could resolve that day. I have tried many times to pay for the services rendered, but to no avail and to return the ice cabinet. I was met with representative after representative telling me I will get a bill in the mail and a return sticker. Now, on XX/XX/XXXX I get a letter from a collection agency stating the transaction could not be processed, and reasonable steps would be taken to secure payment. I am accountable for the " ice cabinet '', priced {$200.00} and the service to my home, but the {$410.00} for labor, which was the discounted price of the warranty, when no one looked at my dishwashers that do not exist is absurd! I believe I am not the only one to fall for this tactic. The main objective is for the technicians to sell the warranty plan. And they go to deceptive lengths to do so. This is now on my credit report. I will pay the {$630.00}, but I would like an adjustment for the labor charge and to have this stain off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My loan was sold and Shellpoint Mortgage Servicing handles the payments. They direct you to go to their website, but their website does not work. www.shellpointmtg.com and XXXX, I log in and it just gives me a blank screen. I've talked to them numerous times about this issue ( IT service request # XXXX ). At one point in time when you'd log in the screen would jump around, but at this time it is only blank. I have called them and tried to figure out if it's a browser problem but they were no help. I have tried on XXXX and XXXX XXXX and the same issue happens. I own XXXX homes and have XXXX mortgages so I know how important it is to be able to go online and be able to get information about your loan and download documents. 

Screenshots are attached in one pdf. 1st screen is where I log in. 2nd page is after I've entered my login info.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CT

Complaint narrative:
Selene is the 2nd mortgage on this property. The 1st mortgage is with XXXX and has a foreclosure date set for XX/XX/21 that was postponed from XX/XX/21. 

On XX/XX/21 a short sale offer package was submitted to Selene. This offer would pay off the 1st mortgage with XXXX in full and provide quite a bit of funds to Selene toward their mortgage balance. If nothing is done XXXX will complete the foreclosure and likely eliminate Selene off the title with no or very little funds going to Selene. 

I have called every few days since XX/XX/21 and told numerous times that there are no notes on the file and reps pointed out the XX/XX/21 foreclosure date. Each time I pointed out the foreclosure date was XXXX 's date not Selene 's and that it had been postponed. 

Numerous times I am told that internal messages have been sent to the short sale dept to get back to me. I receive no calls or emails. 

Now I am told that on XX/XX/21 a letter went to the homeowner stating a short sale could not be approved because foreclosure is too close. Since CFPB regulations state that the servicer is to make a good faith effort to review a workout request if it is received more than 37 days prior to a scheduled foreclosure date, then this emails states that either Selene is ignoring those regulations and has failed to notate the correct foreclosure date. 

As of today XX/XX/21 Selene 's representatives tell me their system does show the foreclosure is in XXXX. So there is clearly enough time for Selene to review this offer for the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
During the last XXXX months four credit line has been drecrese from store using the same bank synchrony bank without sending explanation and base on unacurate or questionable information my credit history is being damaged by the action of the creditors using the same bank ; I don't have any red-light on my credit history to sustain their actions for example 2 of those creditors reduce ny credit less than {$50.00} dollars but that decision reduce my credit more than 50 point resulting on a domino effect that the others 2 from the same bank reduce my line of credit too reducing my credit score almost 100 point I the last 6 month ; this is only happening with synchrony bank my other creditors has not take any action like that ; now my credit history look like I have high balance but is just the result of reducing my line of credit to the balance of the account ; I suspect that descriminary practices is being done by synchrony bank system because there is not explanation of why reducing {$35.00} dollars in to an account with 10 years never missing payments on autopayment ; I have all my payments on autopayment to avoid missing payments ; even the loan officer of my car dealership told why your credit score is so low if you never missed payments ; my last car lease when up becouse the arbitrary action done by synchrony bank ; I found reports that this bank has history of discriminary practices and I found lawsuits that match my same situation.

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 2021-08-30 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: TX

Complaint narrative:
A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.

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 2021-08-30 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I am filing a complaint against Target Card Services for their handling of my claim regarding fraudulent charges on my store credit card. I have attached the following Items : 1. XX/XX/2021 I noticed charges on several of my credit cards that I did not make. I immediately called the companies involved and the charges were reversed on all cards except Target Stores. 
2. XX/XX/2021 I mailed a letter to Target Stores as instructed by my call to Target Customer Service along with a copy of the fraudulent charges. 
3. XX/XX/2021 I received a reply from Target regarding my dispute of charges. 
4. XX/XX/2021 I called Target Customer Service to check the status of my dispute and was told the issue was denied and a letter of their decision was in the mail. Customer service suggested I make a minimum payment to protect my credit and ask for an appeal to their decision. I immediately mailed a request for appeal of the decision. 
5. XX/XX/2021 I received the letter from Target denying my dispute of fraudulent charges. 
6. XX/XX/2021 I received a reply from Target regarding my request for appeal of their decision. 
7. XX/XX/2021 I received a letter from Target dated XX/XX/XXXX stating they had closed the investigation of my dispute on XX/XX/2021 and all charges, interest & fees would be included in my account balance.

8. Copies of Fraudulent access to my computer beginning XX/XX/2021 XXXX

Company response to consumer: Closed with explanation