vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Writing with regard to the way in which income based repayment plans ( IBR ) are calculated for federal student loan repayment. There is significant variation the cost of living across the country and thus determination of how much one can " afford '' based on their income is not an accurate representation of what is affordable because where I live, i.e., XXXX XXXX XXXX, California, the cost of living is markedly higher than the majority of locations across the USA. Furthermore, the cost of living has doubled in the past year not only due to inflation factors, but also the cost of rent, utilities, gas, and basic everyday living supplies is markedly higher. Thus the calculation of my student loans has jumped to {XXXX} per month based on my income, however, this is markedly a higher percentage of my income when integrating the cost of living. 

Federal guidelines in determining IBR repayment is biased against those residing in higher cost locations and is causing me increased burden to manage my basic living expenses. Furthermore, it appears being single has an added burden of cost that is biased in that everything costs more for a single income earner compared to a partnered individual who shares the cost of living with 2 incomes. This is an added financial burden. 

The only other option would be for me to be in deferment which would further exacerbate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2022, I received a XXXX XXXX. 
This card listed my first name and full social security number as the username. 

I called XXXX and had them immediately close the account, as I never opened it, nor would I select a username that exposes my personal information. I then created a fraud alert with one of the credit bureaus. 

Today, XX/XX/2022 I received a debit card from Chime, so I called and reported it as fraudulent. I was asked to verify my personal information to verify it was my account, so I gave the information, since they had it already, but my email address didn't match. 

At this point the representative from Chime read me back the email address, which was my first name, followed by my social security XXXX. 

I am now on the phone with XXXX and I'm going to report that the email address that is made up of my first name and social security number is creating fraudulent accounts in my name. 

The odd thing is that they would likely get away with it, if it they weren't sending the cards to my actual address. I mean, why would you send the card of a fraudulent account to the person whom you are defrauding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
Was sent numerous collection notices for {$6100.00} that at the time I did not know how to dispute until now. I contacted the debt collection agency ( Lockhart Morris & Co ) on XX/XX/2022 and the representative could not locate my name or the collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management debt collection company has been robocalling constantly. They are violating the law. Here are the phone numbers and dates. Please investigate this harassment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2022, I disputed a charge from the gas station of {$55.00}. Capital one credited the funds back to my account. On XXXX XXXX capital one debited my account {$55.00} for the same transaction claiming they needed a receipt from the gas company even though the same information was on my bank statement. Then, on XXXX XXXX I made a payment to capital one credit card using my capital one bank account ; I transferred funds from savings to checking to pay my bill. A week later I find out the payment was never received mean while my bank account was charged. A few days before that incident I noticed my checking accounting was negative {$47.00} I then transferred {$60.00} from savings to checking to cover the balance. I noticed no transaction on my account was actual negative however the bank wiped away {$60.00} my new balance was {$17.00}. If the amount was in fact not showing a negative balance the available balance wouldve posted {$60.00}, not {$17.00}. The bank has failed to resolve these issues and theres more. Ive called them many times in a week they provide excuses, have been rude to me by arguing about the balances and transaction details ; also the companys bank manager has provided a negative customer service experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: AZ

Complaint narrative:
I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I had a XXXX  gift card for {$500.00} through Blackhawk Network XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX. I activated the card in XX/XX/XXXX and it immediately was hacked. There were several small charges from XXXX adding up to {$500.00}. I was not aware of this until I went to use the card an hour later. I reached out to Blackhawk Network right away, and was told they would dispute the charges and I'd be refunded. I reached out a couple of times to be told it was still being worked on. On XX/XX/XXXX after reaching out a 3rd time I was told the same thing and also received the email from them attached stating it could take 30-90 days. 
I had not heard anything further and called them again today XX/XX/XXXX and I was told by XXXX there that the case was closed/resolved on XXXX and that I was being sent a refund of {$180.00}. 
1. I had no idea that it was " resolved '' on that date. Was never notified.

2. The amount was {$500.00} not {$180.00} XXXX informed me that that's all that they could dispute and since so much time has passed they could not dispute the difference that I am still owed. So much time has passed because THEY took so long and never sent the portion of the refund stated above, nor notified me of this. How do I get the remainder of the funds back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: AZ

Complaint narrative:
I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.

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 2022-03-18 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: AZ

Complaint narrative:
I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
From XX/XX/2021 Ive been disputing this charge on my Best Buy credit card with city they asked me for information I provided those information but still yet the charges is still on my account and that collection is calling my phone each time I call them theyre telling me its still underneath investigation from XXXX till now which bank in the world is disputing a charge for five months after they got information my attorney want me to take legal action with the bank because they are playing games I am in my rights to do such things because they are really playing games to protect a business while they should be taken protecting the customer

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1. XXXX - XXXX XXXX XXXX  ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1. XXXX - XXXX XXXX XXXX ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX 4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hi, I have filed complaint a few months ago regarding NAVIENT my student loans that recently rolled over to XXXX XXXX. But that was for my Dept of Education loans. My problem with Navient right now is, they were supposed to transfer all my loans to Aid Advantage, but they are telling me only Dept of Education was transferred to Aid Advantage. There is a pending payment of {$1400.00} in my Navient account now that they want me to pay. They are telling me this is private loans from XXXX XXXX  XXXX XXXX that I attended. I never got private loans from that college. They do not even offer that type of loans except FAFSA. So back on XXXX  I paid {$3500.00} fully paid for that college. None of the loans company recall I paid such a thing nor can not see this amount has been paid. But I took a screen shot of that before Navient transition to XXXX XXXX. I do not understand what is this {$1400.00} amount that Navient wants me to pay came from and which loan it is and they keep saying if Private loans from XXXX XXXX  XXXX XXXX! This doe not make sense to me! They are keep changing stories. I do not even owe them nothing and they are charging me interest already on top as well! This company is full of corruption and they have no idea what is going on. I spoke with aid Advantage as well and they told me Navient is the blame. I am like ok, I will contact you guys to be investigated. Please help me understand what is going on as I am about to get a lawyer if no results come out of this as these seems to be so corrupted to me. 
Please advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022 I applied for HomeDepot XXXX XXXX  card, Immediately after submitting application on the screen stating to give them a call. I called their new account and spoke to a young lady by the name of XXXX, I had to verify my identity with her over the phone and then she placed me on hold. She came back after a 5 minute hold and stated to me I was declined because they couldn't verify my identity due to a extended fraud alert. I reply I never requested an alert and I can verify anything that needed. She stated that I need to contact XXXX and to give her a call back once I get it removed and resolved. I did just that after being one the calm with XXXX for XXXX, it was confirmed remove. Immediately tried to contact the number that was on the reference screen however kept getting a error stating I was deny and I will get a letter in the mail. At this point, I'm very upset and disappoint because my credit is my life and I pay all of my bills on time and my credit is over XXXX. Finally calling 3 different numbers, I was able to speak to a rep by name of XXXX who tried to help me. She stated that the alert was still on my credit and she needed to pull my report again. Waited on hold for 15b minutes then she cam back and saying there's and issue with my address. Going back and forth with no solutions. She stated that she needed to pull my XXXX report which is 3 pulls in less than 2 hours for 1 application which is unlawful and now she comes back and say its decline for no reason. I spoke to a XXXX XXXXHK manager which was very rude and stated that she can't give me a reason of denial. She stated the credit bureaus declined me which is a lie not truthful. All consumers have open end credit and should not be denial. I feel like I was discriminated from able to getting credit with HomeDepot pro which is unlawful. XXXX being on a phone and getting deny to no reason and to get very bad customer service is not acceptable. I'm demanding this matter be escalated.

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 2022-03-18 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: FL

Complaint narrative:
Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus.

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: FL

Complaint narrative:
Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

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 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
ON XXXX XX/XX/2022 our mortgage company, BSI Financial Services, notified us that it approved our request to close our escrow account. Since that time, BSI has failed to provide a new payment amount ( reflecting only principal and interest ) and has also failed to provide us the amount remaining in our current escrow account. When we spoke to BSI Financial today, after four days of unsuccessfully trying to reach someone in customer service, we were told that they could not contact the escrow company directly, and could only send an email message to them.

Company response to consumer: Closed with explanation