vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: IL

Complaint narrative:
I cosigned a student loan for a friend in XX/XX/XXXX for {$27000.00}. Another in XX/XX/XXXX for {$27000.00}. Loans were for friend to attend XXXX XXXX XXXX XXXX XXXX. I did receive a couple of calls from Navient early in the life of the loans ( maybe XXXX and XXXX ), but did not hear anything for years, was under the impression that all was being handled by the primary borrower. 

In XX/XX/XXXX, I received a collection call from Navient informing me that the account was delinquent and now in my name only. I was completely unaware that the primary borrower was no longer the responsible party. Navient has been calling to ask me to now provide payments for a current balance of roughly {$93000.00}. 

I requested copies of the original contracts, as well as line item detail of the interest that has accrued on the loan to balloon it from {$54000.00} to {$93000.00}. I received the original agreements, but nothing detailing the balance increase. I will attach the loan history per my account login on the website. It is not much detail and extremely confusing. I do not know what was happening in the first few years of the loan with forebearance charges and such, I was not involved in any of that, communication was between Navient and the primary borrower. I am also not sure how interest was calculated since XXXX when I stopped receiving communication from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submit a complaint to all three bureaus XXXX and XXXX did their investigation and remove these fraudulent accounts off my report but experian refuse to remove them even though they are not mine

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 2022-11-05 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: IL

Complaint narrative:
I contacted XXXX, equifax and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: PA

Complaint narrative:
I sent off certified mail with return receipt to XXXX, XXXX XXXX XXXX XXXX, XXXX on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for DISCOVER BANK CO by XXXX, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: AL

Complaint narrative:
Elan Financial Services applies my payments to my XXXX balance interest rate instead of the balance with the higher interest rate.

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 2022-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I was called by Exeter finance on XX/XX/XXXX that my loan had matured and I had to pay it off on or before XX/XX/XXXX to prevent it from being delinquent. I asked if they could extend it another month but was told that they can not and that it will build interest if I dont pay. I asked if it would be reported on my credit and I was told no. The representative told me that after 75 days it will be reported on my credit and the car will be repossessed. 
I again called after two days and was told by another representative that I had to pay it on or before XX/XX/XXXX or it will be late. I had to come up with {$8700.00} to pay the car off. I paid it off XX/XX/XXXX at XXXX. Exeter finance still reported my account as late to the credit bureau. All the conversations were recorded. This company cheats its customers. Their goal is to cheat and ruin peoples credit. They have incorrectly reported on my credit and my score has taken a hit. Please investigate them and put them out of business if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion and XXXX XXXX/ XXXX XXXX have REPEATEDLY removed and reinserted inaccurate information about the Self Visa Credit Card account. Transunion is very arrogant about it. On XXXX I petitioned the XXXX XXXX XXXX XXXX to file suit against Transunion. I sent notice to Transunion. I did not, however, file suit against XXXX XXXX XXXX XXXX XXXX they sent me documentation that they were trying to get it removed. But this has been a sham of epic proportions. Because Transunion keeps getting the late payment verified as accurate. At this point I want justice. I will be suing XXXX XXXX XXXX XXXX Bank as well. I have tried for months to avoid this scenario. It was for nothing. These companies don't respect us as people despite the fact that they only exist because they sell human information. Imagine depending on someone for survival and convincing that same person that you depend on that they are merely in your way.

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 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted transunion, XXXX and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.

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 2022-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted XXXX, XXXX and experian and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.

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 2022-11-05 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Nelnet processed payment of my Federal Student loan money to someone elses bank account and refuses to Initiate charge back but instead says the school have to do so. When contacting XXXX XXXX XXXX they have sent me multiple emails that states Nelnet has to do the reversal since they did the deposit. Nelnet is allowing me to be defrauded of XXXX and change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I filed a dispute in the amount of {$2800.00} against Venmo after discovering that my Venmo credit card payments to XXXX XXXX were not properly credited since the two Life insurance policies were previously cancelled. They are harassing with with email that I am NOW Over My Credit Limit? I demand a full refund immediately to avoid further legal action! Proof of cancelled policies are attached.

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 2022-11-05 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-05 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: MA

Complaint narrative:
I paid {$2100.00} over the time period that student loan payments were on pause from XX/XX/XXXX to XX/XX/XXXX. {$72.00} per month. I filed a refund with my student loan provider aidvantage on XX/XX/XXXX. I called filed a refund and it was " approved the same day ''. The representative said it would take 4-6 weeks for a refund to hit direct deposit. Currently it is XX/XX/XXXX, 8 weeks from when I initially called and no refund has been issued or an update to my aidvantage account. 

1. Called XX/XX/XXXX to submit refund request 2. I called XX/XX/XXXX and was told my refund was approved and is being processed. 
3. Called XX/XX/XXXX and was told my refund was approved and being processed 4. Called XX/XX/XXXX and was told my refund was approved and being processed. 
5. Called XX/XX/XXXX and was told my refund was approved and being processed but it could be 4-8 weeks. I asked if there was anything I could do to expedite the process but they said nope they have thousands of request and it could be 8-12 weeks. ( So which one is it ). Also was told it is out of aidvantage 's hands/control because a check would be sent from the treasury. I specifically requested and was told it would be direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Was sent a letter from RADIUS GLOBAL SOLUTIONS stating that I owed an Alleged amount of {$850.00} dated XXXX with XXXX XXXX XXXX, I currently have XXXX XXXX XXXX And they have no mention of this debt. This debt is not mine and is fraudulent in nature.

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 2022-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX - I applied for a loan online based on their website apply online and have it directly deposited into my bank account the same day all completed online. After applying for the loan, I was then told through the online website that to get the loan same day I would need to physically visit a local location otherwise, it could be directly deposited into my bank account within 3 business days. This was misleading and did not meet my requirements, so I decided to not proceed with the loan. I tried logging back into my Speedy Cash online application and received warnings that my email address is invalid. I also did not receive any email confirmations. I have tried contacting the company both via email and phone with no response. Since I heard nothing and received no confirmations back, I assumed my application was terminated since I did not agree to have it directly deposited or visit a physical location. 

XX/XX/XXXX - Still no response from Speedy Cash, they went ahead and processed my loan without my consent and directly deposited into my bank account. I did not authorize this and again have tried contacting the company via email and phone with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove all derogatory accounts XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-05 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: MOHELA
State: FL

Complaint narrative:
My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 8 student loans on my credit report. All 3 credit XXXX, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Our vehicle was stolen along with our devices and cards. It was done by what we thought were friends. We were banking with Wells Fargo and I turned this in to the fraud department, but the fraud department did not recognize that we had a police report, that our devices were logged into accounts with that card information, they were around us multiple times even paying for things and may have seen the PIN number, or anything that I turned over to them with proof.

We were investigated by the fraud department, it was a persecution, and we were told that we were straight up lying and that the account had no suspicious activity. The account had only been funded for XXXX weeks! How do they know our patterns with in XXXX weeks and less than XXXX transactions completed by us? We not only got all the money in our account stolen by these so called friends ( around {$1200.00} ) but the bank charged us {$110.00} which got paid by a direct deposit then immediately closed our account for insufficient funds. 

We pay for fraud protection to protect your money, not take it. So all in all Wells Fargo and their Fraud department as well as their Head Office staff, yes I went that far, took almost {$1500.00} from us with no proof and no supporting evidence to show that it was us. Their story changed every time ( I turned this in I think 5 times ) and my story was always the same, the truth. They told me to take the people to small claims court to recover our loss. Why cant I take Wells Fargo to court for not providing the fraud protection we pay for? Why cant I take Wells Fargo to court for the fees they charged us due to this incident? Why cant I take Wells Fargo to court for discrimination? Financial hardship? Lost wages? These are all things that took time and money away from my business so I have lost wages as well. I cant get anyone at Wells Fargo to listen or respond as once they got that direct deposit and the {$110.00} that was applied for my account being fraudulently charged they closed my account due to insufficient funds. 

Wells Fargo does not protect your assets, they persecute you and keep those assets any chance they get because they can and they get away with it. They are too large of a bank to have any repercussions and they make a good front with all their philanthropic donations and involvement with the money they are keeping from their patrons.

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 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
DISCOVER failed to zero out my balance. On XX/XX/2022, Promissory Note No. XXXX made out to DISCOVER to discharge the entire balance of the the credit card, was remitted for settlement and closure. The Negotiable Instrument was presented under the authority of UCC-2-104 ( c ) and other precedent ( see attachment ).

Instructions were given to DISCOVER that unless the Negotiable Instrument is DISHONORED in writing within 10 days of receipt, by the SECRETARY OF THE TREASURY, Claimant 's financial institution was to release the credit on hold to the payee ( claimant ) with the time stipulated by Regulation " Z '' Truth in Lending Act. The amount of this accepted draft was to be ledgered by DISCOVER, XXXX Department, to the designated account for the redemption of this claim ( Regulation Z ). This statement constituted Drawer 's order to pay this instrument upon presentment and endorsement. DISCOVER failed to zero out my account. DISCOVER engaged in unlawful, illegal, and predatory banking policies and procedures. I have attached all the letters and copy of promissory note sent to DISCOVER in good faith attempts to zero and close this account, all of which have been ignored and have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
An XX/XX/XXXX payment to Comenity Bank was not applied correctly and as a result compounding interest + late fee was assesssed. The current total of fees and interest is below. 

XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX ( late fee ) XXXX Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX total I sent the following message to their customer service on XX/XX/XXXX : XXXX XXXX XXXX returned funds to my account due to the payment on XX/XX/XXXX being REFUSED by Comenity Bank. In reviewing the billpay information for Comenity, I discovered that the account that is listed is no longer current. The number listed was the original account number when the account was opened. On or about XX/XX/XXXX, the account number changed. Regardless, Comenity Bank continued to accept the payment for exactly 6 years. For the month of XXXX this year, your system refused the payment. 

My response to this situation is this. If your bank no longer accepts payment for this account number, particularly after a period of 6 years, it is your responsibility as an upstanding business to notify the consumer in writing. I received no communication either through US Mail or via email of the update in policy. 

I submitted proof of payment from my bank that the payment was made on XX/XX/XXXX. 

They have yet to resolve and continue to assess interest.

Company response to consumer: Closed with monetary relief