vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient refuses to properly process my Teacher Loan Forgiveness Application. The application is properly filled in and I meet all requirements including : 1. XXXX  at an eligible XXXX  XXXX  2. Being a highly qualified XXXX XXXX XXXX XXXX, or ( only if my XXXX  XXXX  began before XX/XX/ ) a XXXX XXXX XXXX XXXX in a subject area relevant to my academic major ( forgiveness of up to {$5000.00} ). 
3. Being approved and signed off by my XXXX  's Assistant Superintendent of Finance. 

The application was rejected twice for the following reasons. The first rejection was because the assistant superintendent used the date format XXXX. Navient insisted the date format must instead beXX/XX/XXXX. The second rejection was because the assistant superintendent did not include the middle initial of the XXXX  's name ( e.g. " XXXX XXXX XXXX XXXX  '' instead of " XXXX XXXX XXXX XXXX XXXX '' ) even though there is only one such named XXXX  in the city and even state. 

I continue to resubmit the application with each technicality corrected, but new technicalities continue to cause rejections. I have no doubt it will continue to be rejected without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank has failed to pay a promised bonus ( {$400.00} ) for opening a checking account. 

XXXX - Opened checking account XXXX - Made final deposit required to reach the {$15000.00} minimum account balance to receive the bonus. 
XXXX - 60 day threshold passes ; Citi then had 90 days to deposit the bonus in accordance with the terms XXXX - Citi sends a letter ( attached ) confirming that I have met the requirements of the terms XXXX - 90 day threshold passes. Citi has not paid the bonus. 

Attempts since to get Citi to honor their end of the agreement have failed.

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 2020-04-27 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: FL

Complaint narrative:
I recently sent in a dispute with Experian asking them to verify the validity of 3 accounts on my credit report as well as some late payments that I had. They refuse to investigate and just saying that it has been verified, but when asked their method of verification that refuse to provide valid proof of the original signed contract. Additionally the same account that was disputed with XXXX  was deleted as they were not about to verify the validity of the account. I have demanded that they reinvestigate and they have continued to refuse to do so.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to reconnect my bank, PNC Bank, to the XXXX app on my phone but it tells me that my bank has made changes that does not allow them to connect to my account anymore. So it suggested that I try reporting that and filing the complaint. I need this app to have access to my account so that i am able to receive money deposited in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: NV

Complaint narrative:
My account online shows my last payment was scheduled for XX/XX/XXXX and I went to pay it off early ( XX/XX/2020 ) only to be informed that the amount due does not go along with what I originally signed on the contract. I signed a contract for a certain amount and even though I requested ( over a 6 year period ) to have two payments moved to back of loan, they never stated additional interest would be charged. I have to pay an additional XXXX because of the two deferments. That state thats the interest of the two I added to the back of the loan. This is a Complete rip off. The interest was equivalent to another monthly payment. There is nothing in writing they said it was a verbal agreement that I would pay the extra?????!??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Please CFPB forward thw documents to Capital One please. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: GA

Complaint narrative:
My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , XXXX XXXX , and Exeprian. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.

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 2020-04-27 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: GA

Complaint narrative:
My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  XXXX XXXX XXXX , and Exeprian.

Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle purchased homeowners insurance on my home, at a very high price, even though they had be provided information on my current insurer, XXXX, 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect information.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for Trans Union, XXXX  and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, Equifax and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect information.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Contacted our lender over three months ago to try and resolve issue of delinquent real estate taxes that should have been disbursed from our escrow. Have called numerous times for updates and still have had absolutely no resolution.

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 2020-04-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In 2015 I purchased a XXXX $ tv from Best Buy with a 2 year interest free BestBuy Citibank credit card. I wanted the minimum payments to pay off the tv in the 2 years and never made another purchase on the card. The statements were being sent to an email address that I was unable to access. We had a Fire early last year and need to replace all the electronics so when I applied for a new credit card under new email address that's when I found out that I've been paying XXXX $ a month for the past 5 years. for close to XXXX $ with a balance of XXXX or so left. We contacted a supervisor at Citibank and explained the situation to XXXX team number XXXX out of Tennessee. He refused to remove the interest charges and said there was nothing anyone could do about it. 
I appreciate you looking into the matter and any assistance you may be able to give

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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AR

Complaint narrative:
I received a phone call today from XXXX, it was an automated message stating my fiance, XXXX XXXX, owed a debt and it threatened court action if it was not settled. I remained on the line to speak with someone about it, and a guy came on the line and asked for a dispute number, I did not have one, so he put me on hold to look up XXXX XXXX. When he came back I was told that he owed overdraft fees of a US Bank checking account of {$1100.00}, and that with interest it would be {$1600.00}. I was told that a settlement letter was sent to our address 2 weeks prior to this phone call, and that after today, they were taking this case to court and after he would owe {$2900.00}, or we could settle the matter with {$1000.00}, but it had to be a cashier 's check or money order. The guy, who identified himself as XXXX XXXX, said he would put the case on hold for 2 hours, and sent me an email with a docusign document to sign and send the payment in with, I will not upload or have it faxed, I can not see the entire document. I spoke to XXXX about this, and he called US Bank who confirmed that this bank account was closed in 2013, there are not debts owed. I checked the Law Firm listed in the e-document, it is a vague website XXXX, and the phone number listed XXXX is listed as a scam online from many complaints. We are choosing not to respond any further to the phone calls, letters, or e-documents. XXXX XXXX knew our address and the last 4 digits of XXXX 's SSN.

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 2020-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chexsystems reporting an FTC violations with XXXX XXXX XXXX XXXX {$1500.00} and {$49.00} both FTC violations

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 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is attempting to collect on a debt that is several years past the statute of limitations in Georgia. 

They mail us at home ( XXXX ) and telephone at work, during the day, to collect this outdated debt, even after being told to stop telephoning work. 

They acquired the debt XX/XX/XXXX ; the account was originally opened in XXXX. The statute in Georgia is six years. It it XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I was financing a 2015 XXXX XXXX through it was totaled out my insurance paid XXXX on it my gap insurance didnt pay the rest due to it being wrote up in the wrong person name it has lowered my credit score tremendously

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to complain against PAYPAL CREDIT an online credit card service. 

1- On XX/XX/2020, I submitted an online request to revoke enrollment in electronic billing, and switch to monthly paper statements by mail. However PAYPAL CREDIT ignored my request and continues to send electronic statement in violation of the credit card agreement. 
2- On XX/XX/2020, I disputed the amount of {$400.00} that was listed as Amount to avoid Standard and Deferred Interest on your next statement on the statement of XX/XX/2020. Per the Credit Card Agreement and the Billing Agreement, PAYPAL CREDIT can not bill me for the disputed amount. However PAYPAL Credit decided once more to continue pursuing their ongoing criminal fraudulent billing practices and bill me for the disputed amount in the XX/XX/2020 statement. 
PAYPAL CREDIT criminal actions are in violation of the Fair Credit Reporting Act and the Fair Credit Billing Act.

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