vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a {$160000.00} student loan with Navient and Sallie Mae since XXXX. Over several years, I have tried to lower my payments but they have always been calculated over {$500.00} a month rising to over {$800.00} a month based on my household income. ( See email dates XX/XX/XXXX. I was unemployed for several years and there was absolutely no way I could pay these amounts and was advised to either request a deferment or a forebearance rather than Navient offering or accepting a more reasonable payment amount of around {$250.00} a month. As I watched my student loans skyrocket, I decided to work for a non-profit/public service company in XXXX as a way to qualify for the Loan Forgiveness Program. 

Over the years, as I called every 9 months or so to ask for help but was pointed in the direction of extending my forbearance. ( 5-10 ) I was never advised about the Loan Forgiveness Program or offered a more reasonable monthly payment based on my family household income. It wasn't until XXXX when a representative advised me to file separate income taxes in order to qualify for a lower month payment bracket which by the way, has caused additional tax issues. Where I find myself now is settling on working in a low paying job although I took out my student loan to obtain an XXXX. My hope is that my student loans will be forgiven in 4-5 more years. 

More concerning now is that my non-profit I work for does not provide health benefits and with my husband retiring next year, we will be forced to find a healthcare program that may be extremely expensive or I must find another non-profit that offers health benefits. What I am also concerned about is that after all of this sacrificing, my non-profit/public service work may not qualify. When I began consolidating my loans in XXXX and looking at what jobs qualify for the Loan Forgiveness Program, I discovered that my employers career was not listed although I work with foster children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: DE

Complaint narrative:
Be it Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) and my federally protected rights have been violated. I have NEVER signed a " contract '' or PROMISSORY NOTE with XXXX XXXX XXXX. I believe them to be a 3rd party debt collector. I DEMAND to see a certificate of indebtedness as pursuant with 18 usc 8 all bills and certificates of indebtedness are the obligation of the federal corporation the United States. I also have NEVER given my written or oral consent for this item to be furnished on my consumer reports as pursuant with 15 usc 1681b. These violations are punishable by fine of {$1000.00} each pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer report as well as a refund for any funds this company coerced me into false paying them or pay me {$10000.00} for every minute that the alleged debt has been on my consumer 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 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
SENTRY CREDIT INC has negatively reported a debt collection on my credit report, this is first knowledge of this transaction. I have not received any letters in writing advising what this collection is. I did send a letter, certified mail on XX/XX/2021 requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have confirmation from USPS confirming delivery on XX/XX/2021. After receipt of this letter Sentry Inc. have negatively flagged my credit report 3 times, dated XX/XX/2021, XX/XX/2021 & XX/XX/2021. Copy of letter, certified mail receipt USPS and credit report alert attached for your reference. I have also contacted Original creditor : XXXX XXXX that they indeed were aware that this was fraudulent activity on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
We submitted our file for loss mitigation review. Our loan has not been modified. We fell behind due to medical issues and an accountant mismanaging my self employed business earnings.I am now on a payment plan wuith the IRS and i submitted this proof of hardship. To top it off, when covid hit, we shut down completely. This has been an extremelydifficulttime for us. On XXXX first we were advised by XXXX XXXX, that we needed to update the XXXX form and that they did not receivemy profit andloss. We resentin the information and got confirmation that it was received by Fay. Since XXXXWeve called continuously and were advised by each and every rep that the file is being reviewed. XXXX were suddenly advised that the file is now just sitting there. The representative also advised that they will not be reviewing the file as its too close to the sale date. All of a sudden they stopped the review of my file? Why when we called in weekly we advised that the file was being reviewed. How do they just stop doing their job?? How has every single representative given us inaccurate information? It is very obviouswhat is going on. Fay Servicing was dual tacking which is illegal.Dual tracking '' occurswhen a mortgage servicer continues to foreclose on a borrower 's home while simultaneously consideringthe borrower 's application for a loan modification or other foreclosure avoidance option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
This is a formal complaint against Covington Credit Texas located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Covington Credit Texas located has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to experian about an incorrect inquiry on my report on XX/XX/20. It has been almost two months with no reply. FCRA states that they must respond within 30 days or the items must be removed from my 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 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I started a refinance on a property I owed with U.S. Bank on XXXX. They approached me about doing the refinance. I owe approximately $ XXXX on current loan. They assured me a better rate. Appraisal was done with a value of $ XXXX. I always gave them any documents requested within 24 hrs of request. Underwriting couldn't get loan processed within the 30 days. I was sent loan denial by mail on XX/XX/XXXX. I was assured loan would go through and was assured a loan rate of 2 %. On XX/XX/XXXX underwriting again did not get loan processed. They then asked to do a credit check and I needed to resubmit all bank documents again. I have a credit score of XXXX. I was not willing to give them the documents again and the loan is cancelled. The treatment I received by U.S. Bank was absolutely horrible and humiliatingly.

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 2021-10-11 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Beginning from XX/XX/2020 when I made a free account with TransUnion, it appears that they sneaked in a monthly subscription service under the guise of their free credit check. I haven't received a receipt since the initial one on XX/XX/2020 and had no idea that I was receiving this charge until today. I went ahead and cancelled the subscription but I'm shocked that they advertised a free service and then sneaked in a subscription.

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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
CONTINENTAL CREDIT CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I returned an item for exchange ( {$77.00} ) to XXXX  in XX/XX/XXXX The item was credited for the return in the amount of {$55.00} on my statement dated XX/XX/XXXX Shipping and handling fees totaling {$22.00} were applied but I was waiting for the replacement to arrive before I paid anything else. 
The replacement item never arrived but in the meantime they applied late fees and finance charges every month for months. 
They sent me to collection by XX/XX/XXXX and were harassing me with phone calls for several weeks. They coerced me into agreeing to an electronic payment out of my checking account. I thought it would be for only the shipping charge but they did an electronic debit on XX/XX/XXXX in the amount of {$71.00}. 
We finally got someone on the telephone weeks later to investigate the charges. Next thing we knew, a refund had been applied to my account on XX/XX/XXXX for the amount of {$71.00}. 
No communication from the company as to why or what their findings were other than the credit, so we assumed that the matter had been closed. 
In XX/XX/XXXX, I received a new statement stating both CREDIT BALANCE REFUND {$71.00} as well as NEW BALANCE {$71.00}. This did not make sense. 
I called ( with the help of my daughter, who has Power of Attorney ) their Customer Service department on XX/XX/XXXX and spoke to three different people. The first person ( I believe his name was XXXX  ) said yes, he could see the problem on the account but couldnt help me. He transferred me to someone named XXXX who informed me that the refund was a mistake and that we still owed the balance but could not explain what that mistake was or why this would be true. 
Over 45 minutes later I was transferred to someone named XXXX ( Badge # XXXX ) who still could not help me. As a result, we sent written PoA information with a letter confirming details of the dispute in XX/XX/XXXX. 
Within a month ( XX/XX/XXXX ) I received confirmation that they had received my dispute and said they would notify me of their findings. I heard nothing. 
The bills continued to come in each month with no other communication. 
Now the latest bill ( dated XX/XX/XXXX ) has ballooned to {$270.00} and they are again threatening me with collection for an item that was returned for exchange and no replacement ever issued. 
In XXXX, I offered to pay the original shipping fee of {$22.00} but they will not respond to me other than sending more invoices. I do not want to pay until I have it in writing that they will close this matter permanently once the original shipping charges have been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This is about a Credit Card Debt with XXXX XXXX that was sold to Midland. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with XXXX XXXX Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my Capital One Quicksilver credit card ending in XXXX. Unfortunately, there was a glitch in the Capital One app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called Capital One to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired.

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life.

I'd really appreciate your help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO CARD SERVICE opened XXXX XXXX, 2018. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background
State: TX

Complaint narrative:
I have never been to the state of Florida we're it shows various cases for drugs and narcotics this is preventing me from getting a job can you clear this up please. I am not on probation or parole this is clearly identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I called Rocket Mortgage on XX/XX/21 to exit my forbearance which was set to end on XX/XX/21 .I immediately asked for Covid 19 Recovery modification. After being put on a brief hold I was told I qualified for a partial claim but not a modification. I asked the rep why I did not qualify for the modification which was supposed to help reduce p/I by 25 % .The rep said I didn't qualify, she didn't know why and she was sorry it wasn't anyone else that could help me because it is the " underwriting " dept who makes these decisions. According to everything I researched on te HuD.gov website I do qualify for the Covid 19 Recovery modification and basically I want why I was denied and not considered for the govt mandated program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2021 on a XXXX flight from XXXX to XXXX I received from the flight attendant a promotional offer for a Jetblue Plus credit card offered by Barclays. The offer stated that I would receive XXXX points after spending {$1000.00} and paying the XXXX $ annual fee and then would receive another XXXX points after spending a total of {$6000.00} within 12 months of receiving my card. I thought that was a great offer and so I completed the application and returned it to the flight attendant. I then received my credit card from Barclays a few weeks later and began using the card. I encountered problems with Barclay linking my card to my XXXX account and had several discussions with Barclay representatives. In none of those conversations did Barclay reps tell me that the promotion I had signed up for had expired.

Three months after receiving my card, and after spending the required {$6000.00}, I called Barclays to see when I would be receiving the additional {$50000.00} advertised in the promotional brochure I filled out on the plane on XX/XX/XXXX. During the call, the rep informed me that that promotion had expired on XX/XX/XXXX and I would not be receiving any additional points. I explained that the application I filled out on the plane on XX/XX/XXXX promised a total of XXXX miles and I expected that promise to be honored. I also asked why no one at Barclays informed me that the promotion I signed up for had expired when my application was approved on XX/XX/XXXX nor when I spoke with reps on several occasions after that to clear up the problem with linking accounts. The rep said there is nothing they can do unless I can produce the paper brochure I had received four months ago on the plane - a completely unreasonable request since I had received my actual credit card and had no reason to hold onto a paper brochure. I asked why they would need this in any event since the specific promotions tied to an application should be coded on the application I submitted to them. I got no response. 

I subsequently checked the internet and found out that even though the XXXX promotion had stopped being advertised in XXXX on the Barclay site that this promotion was still available for sign- up in flight - which is when I signed. 
.

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