vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
Dear CFPB, I want to file complain on my lender Pennymac. They have my mortgage on the property of for many years. In preparation of the sell of my property, I called in on various times of preparation for the final pay off letter. I called them in XX/XX/XXXX and XX/XX/XXXX to ask the agents of the process. Both time, they made it seem pretty easy and informed me all I need to do is call the day before the scheduled closing with no additional disclosures. I asked about the payoff letter dates. They provided the information even if the date of the letter is after our actual closing date, that we will get back the extra interest that we pay. In hearing that, I waited to right before our closing date to call to request the letter. Our closing of the sell of the property then was scheduled for XX/XX/XXXX. Thus I called them on XX/XX/XXXX and they got me the letter the same date. The agent indicates that the letter is generated to XX/XX/XXXX. I inquired then if our closing date is XX/XX/XXXX, then does that mean, we will get back all the interest from the date they receive our final paid off to the date of the letter. The agent confirmed yes, overages will be sent back. Our closing went smoothly and pennymac received the pay off on XX/XX/XXXX. On XX/XX/XXXX I called pennymac and received the same expectation that we will get back the extra interest but later the month on XX/XX/XXXX I called and XX/XX/XXXX I called after nothing sent. A representative on XX/XX/XXXX helped submit a research and then on XX/XX/XXXX they called back. They indicate that I was not entitle to any interest refund as the type of loan we had meant that no matter which date we paid off the loan ( XX/XX/XXXX ), we still had to paid the full month of interest. They indicate that they reviewed all my calls and that they did not give me any misleading information. I ask them for me to get a copy of those calls as from my recollection, my understanding of the answers they give me was no problem, I will get the interest back of the XX/XX/XXXX date to XX/XX/XXXX. I feel I got cheated of around {$1000.00} of interest because of this. If we were aware of this, there is no reason for us to not schedule our closing date before XX/XX/XXXX and be cheated of a full month of interest. Pennymac refuses to make me a whole and indicate they are of no wrong. I fully feel I been wronged and they are not giving fair disclosure and guidance to their clients on this process. They owe me money for their misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im writing to you because i noticed you are reporting a violation on my credit report. Please get this matter handled based on my instructions below This collection is reporting a past due and needs to be removed from my credit for violation. 
Please remove it from my credit report. 
And capital one I never had account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing to you because i noticed you are reporting a violation on my credit report. Please get this matter handled based on my instructions below This collection is reporting a past due and needs to be removed from my credit for violation. 
Please remove it from my credit report. 
And XXXX XXXX  I never had account with them

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 2022-04-02 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
This company is using unfair business tactics and reporting erroneous information to my credit report. I opened my Destiny Mastercard account with them around XX/XX/2021. I never received a bill from them therefore had XXXX payment information. I was made aware of the past due balance when I got an alert on my credit that it was 30 days or more past due. I immediately called them and paid my account current. I feel that them reporting this late to my credit is wrong because I never was afforded the opportunity to fix the mistake whether it was mine or theirs. I attempted to compromise with them but never received a call back. I have another account with this company and have always paid more than my minimum and paid it very early I think my account behavior speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Compromised SSN My social security is being used by another person by the name of XXXX XXXX Compromised SSN SSN XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ct First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : ct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CO

Complaint narrative:
Hello, Typically I use the company XXXX in order to file my taxes each year. XXXX has always been very easy to use, and logs my data which makes life a lot easier, except for this year. 

As a new feature, XXXX offers a service in which you choose to open a checking account with the company Credit Karma and deposit your refund into said account, you essentially don't have to pay any fees.

My tax return finally came in, and Credit Karma was supposed to send me a debit card to access the funds. Either they never sent said card, or it was lost in the mail. 

This shouldn't be an issue, because they offer a transfer service via the platform " plaid '' on their website, however, when I go to transfer funds, plaid recognizes my bank, logs me in to my bank account, then says my account doesn't exist. I have verified both the routing number and account number through my bank ( XXXX XXXX XXXX in Colorado if that matters ) Because of this issue, I contacted Credit Karma 's customer service. It quickly became apparent that they outsource all of their calls to a third party company that has no clue how to operate Credit Karma 's system, yet alone maintain a basic grasp on the English language. Not only was the representative absolutely inattentive to my issues, I literally had to repeat what the issue was over and over and over. 

After a long and painful conversation that ultimately produced zero results, I asked to have a new card sent and to be expedited. They sent a new card ( supposedly, I haven't seen it yet ) but denied my request to expedite even though it was their fault I never received a debit card in the first place. 

I have reached out to my bank, and was informed that all Credit Karma has to do is issue a wire transfer into my account, yet instead of doing the right thing, they have proceeded to harass me with " follow up '' emails asking me to rate the quality of service, and when I reply that they haven't even resolved the issue, I get snapped back to the beginning of a spiral of repeating my issue over and over, asking for a solution, and then getting told the exact same thing over and over, instead of any resolution to my issue. 

What was sold to me as being a " quick and painless '' process has become exactly the opposite. I just want to access my tax refund. 

NEVER USE CREDIT KARMA FOR ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite having credit freeze and fraud alert, Equifax placed 3 hard inquires on my account. They refused to conduct an investigation or even provide details on who made the inquires. Here is what they placed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I returned back to school in XX/XX/2020 and at that time I was still making monthly payments to Navient on my private student loans. I requested that the payment be paused for in-school deferment, however, after speaking with several agents I was bullied into keeping my payments going. I was told that I would no longer qualify for the rate reduction program upon reentrying the program. I felt very ashamed and bullied by the individuals I spoke with, while still struggling to make payments. I was even called by an agent who, before even asking how I was doing, asked whether I was going to send my payment. Mind you, I had a payment pending on my account, but he'd rather I make a payment with him over the phone. I verified that this was an actual Navient agent and not a scam call when I hung up and called the number back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I've contacted the original creditor and hey sent proof of the inquiry to be deleted but yet the company has failed to comply with my request and have no proof and supporting documents that the inquiry is not mines.

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 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Nelnet, Inc.
State: AL

Complaint narrative:
The reasons why this is violating my rights by not following Federal Law as Authorized. 
The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: CA

Complaint narrative:
I am the owner/landlord of one of the property at XXXX, Texas. I have an escrow account with Benchmark Mortgage company and they haven't paid 2021 property taxes yet, even though I have enough amount to pay the 2021 property taxes in the escrow account but due to their either unprofessionalism or negligence they haven't paid the taxes yet. I have been receiving letters from the tax company regarding the penalty charges and due date passed for 2021 taxes to be paid. I called benchmark mortgage company and explained everything about this issue, they mentioned that they will take care and resolve this issue in next 20 days, however it's been more than 20 days till now and they haven't taken any action or paid the taxes yet. I need resolution on this asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

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 2022-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I just checked my credit and found out that this bank is fraudulent reporting this account to my XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: AL

Complaint narrative:
The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: AL

Complaint narrative:
The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have tried contacting a loan officer multiple times while waiting on hold for hours after receiving an email that my loan consolidation would not go towards my XXXX. This was not my understanding of XXXX and I have worked hard in public service to work towards my loans being forgiven. My thought was to consolidate direct loans to my unsubsidized loans, which is a very difficult process to navigate. I spoke with a customer service agent recently who confused me more than I already was. Now I have to start all over with my XXXX  and this is such a disaster. I really need help because I did not make all those payments with the intentions of starting over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: KY

Complaint narrative:
Due to unforeseen circumstances I had to dropout of college. i received a notice of debt owed to XXXX XXXX  University I received a call from a debt collector advising me about this debt, I agreed to establish a payment plan with the agency assigned the debt by XXXX to make monthly payments and avoid bankruptcy. In doing so it was agreed that the debt would not get reported to my credit report. i have been making payments every month as agreed and have learned once access was gained to my XXXX XXXX that the company is reporting to XXXX XXXX and has been doing long before the collection company called me. This company did not notify me by mail prior to the phone call mentioned above and then reporting this to the credit beaureus not allowing me to dispute or validate the charges. This needs to come off my credit now. This debt collector is in direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Had my inspection and turned in my car at the dealership as instructed on XX/XX/XXXX and received the signed document from them acknowledging receipt. Log into my Chase account on XX/XX/XXXX and see they reported me for a late payment. Spoke with XXXX from Chase on XX/XX/XXXX and she said " sometimes it works and sometimes it doesn't '' in relation to their internal process. She said she fixed the issue. 

I paid the XX/XX/XXXX bill to prevent Chase from further trashing my credit score over their very broken internal systems. 

Log into my account today to see that the XXXX bill is due XX/XX/XXXX. Nothing has been fixed, they have the car and I'm again locked into this broken process I can't do anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GMC financial failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.

Company response to consumer: Closed with explanation