vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: CA

Complaint narrative:
I became XXXX on XX/XX/XXXX. I filed a new Income Based Repayment plan and the servicer ( Navient ) acknowledged receiving this on XX/XX/XXXX. They increased my payments instead of lowering them. I had included my Income Verification with that application, but, as is their habit, they discard the Income Verification information or claim it has not been received so that they can miscalculate the IBR plan ( or so it would seem ). I received NO income between XX/XX/XXXX and XX/XX/XXXX, yet Navient increased my payment amount by 30 %. My income after XX/XX/XXXX ( and since ) is only 66 % of my previous income. They finally recalculated my IBR on XX/XX/XXXX but claim I must pay the inflated payment from XX/XX/XXXX. This is unfair, as during the month preceding XX/XX/XXXX my income was only HALF of my previous income ( 66 % for 3 of 4 weeks and nothing for one week ). 

I received information that Student Loan payments have been suspended until XXXX. However Navient claims I must continue to make payments. I know that I refinanced my student loans with the Department of Education years ago, but there is now a claim that only Department of Education loans after 2009 are eligible. It is highly disturbing that this claim is made, since there has never been any public notice that there was a cutoff date associated with Department of Education loans. All government notices ( including notices from Navient ) do not include any such cutoff date. This certainly appears to be negligent activity and a case of intentional disinformation ( if it is true ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My Chase Card was paid in full and closed in XX/XX/2020 due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. Chase Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with Chase ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I never wanted this credit card to begin with but the Sales Person made such a hard sale about signing up and how easy it was. I completed the application with Banana Republic and received a credit card with a {$500.00} limit. I used the card three, maybe four times, I always paid my account in full. I havent used the card in five months and out of the blue I get a letter from them closing my account!!! My credit score is BETTER than it was when I applied for the card, now I have a negative notation on my credit report because they closed the account. They shouldnt be allowed to impact my credit score because they decide to close my account. I never wanted the card to begin with AND by extension I wont be shopping at Banana Republic anytime soon. If Gap thinks doing business with Synchorny is great, they can keep all their rotten business!

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, CREDIT COLLECTION SERVIC # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
My company, XXXX XXXX XXXX ( an outpatient physical therapy clinic located only in XXXX, Georgia ) had its Tax ID stolen band with it a fraudulent bank account was opened with Capitol Bank in XXXX TN ( now called First Horizon Bank ). Unfortunately the Bank Manager was duped by a fraudster who allowed him to put a series of more 60 stolen checks from the Georgia business to be deposited into the Capitol Bank account ( knowing the Georgia physical address on every checks deposited in the TN account ) - this fact alone should have alerted the bank processor ). Additionally a number of our XXXX, XXXX and Third Party payments were also EFT 'd into  this fraudulent account. The total amount of revenue embezzled / stolen is in excess of $ XXXX ( this crime took place over the course of 6 months as it took that long to shut the crime down ). Its important to note that Capitol Bank was put on notice of the crime with weeks of the account being opened. I personally requested that the account be frozen to protect our revenue, unfortunately the bank failed to take any action to protect my small businesses interest. In fact they allowed the money to be with drawn directly to person committing the crime ( in cash and checks made payable to him personally ). 

Attached to this file is series of documentation that include a detailed letter from the Georgia Attorney XXXX XXXX, who highlights the crime, the bank errors and request that the bank return the money to it rightful owner XXXX XXXX of Georgia. A XXXX County subpoena to the bank requesting the account documentation, A response from Capitol Bank including the account fraudulent signature card, with highlighted bank errors ( ie : a fake address for XXXX XXXX in TN ). Also attached are copies of the actual account bank statements supporting the fact of this claim. Last included is a XXXX County Criminal Arrest Warrant for the person that committed the crime. 

We have requested that the Capitol Bank ( First Horizon Bank ) return the stolen funds to our company in Georgia, unfortunately we have not gotten it back yet. That said to protect the statute we remain in a tolling agreement with the Banks Attorneys ( now more than 1 year ) .... unfortunately to date we have not been successful recovering the stolen money. We are seeking assistance with the Consumer Financial Protection Bureau for oversight into this matter, and requesting CFPB reach out to the bank on our behalf to find out what the hold up might be, otherwise we requesting all the stolen revenue be returned to us, again approx XXXX. 

I sincerely appreciate your review and consideration of the facts and remain hopeful Capitol Bank with take proper action to reconcile this matter. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Credit Plus Inc
State: TX

Complaint narrative:
On XX/XX/2018 Credit Plus made an inquiry on my XXXX  credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they had permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, and U S Department of Edu XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, Dept of Ed/XXXX, and XXXX XXXX XXXX XXXX reported to the Equifax that I applied for. They have violated my rights to have fair and accurate information on my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My XXXX Card was paid in full and closed in XXXX of XXXX due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. XXXX Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with XXXX ever again and I would like my score to be restored. You have damaged the credit on an outstanding 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 explanation
Consumer complaint received 2020-05-18 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
On XX/XX/2019 Factual Data made an inquiry on my XXXX   credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Nelnet, Inc.
State: CT

Complaint narrative:
To whom this may concern, My credit dropped fifty points due to a report from Great Lakes borrowing per XXXX, and there are no details present. My account was put into automatic forebearance due to the CARES act, and I was under the impression that the report from this company to the credit companies should show " on time. '' Please advise and help. This issue happened seemingly overnight, and I want my accurate credit correct on my next report ASAP. I can not submit a claim to XXXX  until I am off of work on Thursday during their business hours, as they are not allowing online claims to be submitted. I also filed an online claim with Great Lakes. 

Thanks in advance, XXXX XXXX A Frontline XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Requested for debt validation on XX/XX/2020 company have not sent any information regarding this debt that's claimed that I owe. As of XX/XX/2020 have not received any correspondence from this company.

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 2020-05-18 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: CT

Complaint narrative:
To whom this may concern, My credit dropped fifty points due to a report from XXXX XXXX borrowing per Transunion, and there are no details present. My account was put into automatic forebearance due to the CARES act, and I was under the impression that the report from this company to the credit companies should show " on time. '' Please advise and help. This issue happened seemingly overnight, and I want my accurate credit correct on my next report ASAP. I can not submit a claim to Transunion until I am off of work on Thursday during their business hours, as they are not allowing online claims to be submitted. I also filed an online claim with XXXX XXXX. 

Thanks in advance, XXXX XXXX A Frontline 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 explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
I called and paid a settlement, they are now saying I did not pay and on my credit report it is a hard inquiry plus I keep getting missed payments from it on my report as well, I paid XXXX and have a receipt saying paid settlement in full. Date was XX/XX/20

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, Dept Of ED/XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion   regarding my credit file. TransUnion  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept. of Education/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  via XXXX XXXX reported to the TransUnion that I applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-05-18 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: PA

Complaint narrative:
I have not received my full credit report with everything and score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On about XX/XX/20 I called Dovenmuehle to discuss the payoff of my mortgage. I was given a payoff amount of {$160000.00} as of XX/XX/20. I make my payments via XXXX XXXX bill pay online. I made a {$50000.00} payment on XX/XX/20, two XXXX payments on XX/XX/20 and a {$13000.00} payment on XX/XX/20. When I looked online I saw that these payments were not completely applied to principal. I called back on XX/XX/20 to ask them to reallocate the payments. I was told that would not be an issue and would be done in 3-5 business days. When that did not show up online I called again around XX/XX/20. I was told they could not do that and that the new payoff amount was {$530.00}. There is not a prepayment penalty clause. I had the same issue years ago with another company and they reallocated my payments with not issue. Of the 4 original payoff payments they only allocated {$160000.00} to principal. I feel I am owed {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Exprian has nort sent me a full report with score information missing few pages no score the typical run around

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 2020-05-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation