vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello, we've paid {$58000.00} on an FFELP loan that originated in 1995 for {$30000.00}. The problem is that we STILL owe {$47000.00}. Only {$11000.00} has gone to principal and we will soon have to start paying $ XXXX+/mo again after having paid our entire adult life on this loan. We were talked into consolidating our loans early on and that disqualified us from programs such as the PSLF and other programs throughout the years. When we were working for XXXX and earning very little money, we were told to take deferments and forbearances. We were young and didn't understand that we should have challenged this and requested income-based repayments. The result has been an avalanche of fees and interest that have followed us our entire lives because we never seem to earn enough to pay the full monthly, amounts, so we keep paying partial payments which creates rolling negative marks on our credit and which also do not pay down our principal. Our loan servicer has been XXXX XXXX ( became Navient ) and we have contacted them several times to request forgiveness for some of the interest/fees that accumulated over the years and they've always refused. We even had someone who was willing to pay off our balance and give us a private loan if we could get the total reduced, but Navient refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I was contacted by Monterey Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA that Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I believe that they are clearly violating the law by changing the account balance to cause harm to my credit score and increase it for their own financial gain. I have attempted numerous times to dispute this item with the Credit Bureaus to get the proper amount corrected but they are not sending my results back within the designated time frame or state that I need proof that it is me disputing ( despite the fact I have sent in the proof they requested ). I would like this issue to be resolved as they have clearly violated State and Federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My credit card limit with Victoria 's Secret by Comenity bank was decreased and then the account was closed due to inactivity. I opened this account in XXXX of XXXX, it was one of my longest standing credit accounts. I managed to increase my limit up to XXXX before it was closed due to inactivity. First they reduced my limit to XXXX over only XXXX missed payment. Then shorty after I paid off and brought my account back to current, they proceed to close my account due to " inactivity! '' I had used the account in the Summer of XXXX. All of this occurred in a matter of XXXX  months. This closure of my longest credit card has significantly negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
1. COMENITY - XXXX XXXX XXXX 2. Payment due date : XXXX of every month 3. XXXX payment submitted on XX/XX/2022 via USPS with Tracking # XXXX XXXX XXXX XXXX XXXX ). 
4. USPS delivered payment on XX/XX/2022 5. Comenity held payment until past the due date and processed payment on XX/XX/2022 6. Contacted Comenity Customer Service ( XXXX ) XXXX on XX/XX/2022 upon receipt of XXXX statement with a Late Fee Charge of {$29.00} and Interest Charge of {$17.00} ; spoke with XXXX, Customer Service Rep and XXXX, Supervisor and both declined to remove the late fees and interest charges claiming that the account did not qualify for a reversal of said fees/charges despite providing the payment tracking information and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
Experian XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX

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 2022-02-07 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: MI

Complaint narrative:
I am a victim of identity theft. See FTC Report attachment immediately.

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 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank -They called a family member that Ive been hiding from that I havent spoken to in years and told they were looking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
My federally protected consumer rights have been violated.

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 2022-02-07 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: MI

Complaint narrative:
My federally protected consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been in a COVID-related unemployment forbearance since summer 2020. I am returning to work and would like to reinstate my mortgage. I have requested my reinstatement options in writing and US Bank refuses to send them. They claim they can not send a written copy, and they want to describe the available options verbally so I can make a decision over the phone. I have an auditory processing disorder. They suggested that I get a trusted adult to help me conduct this financial business. 

My call has been disconnected twice ; representatives have refused to escalate the call ; there is no accessibility hotline on their website. They also can not tell me whether accepting the reinstatement offer would affect my OHFA down payment assistance. I would really like to have this information in writing so I can consult my OHFA rep, but US Bank refuses to provide it. 

When I asked the bank to reconnect my mortgage to my online banking account so I could see the options online, they accidentally locked me out of online banking for the week between XXXX and XXXX XXXX 's.

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 2022-02-07 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-07 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: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for Discover Financial Services to remove and delete this fraudulent account from my XXXX Credit report. 

I have never had any affiliations or accounts with Discover Financial Services. I have included a copy of my police report as well as the letter from Discover Financial Services for this fraudulent account to be removed and deleted from my Credit file. Why Does XXXX still have this fraudulent account on my Credit report when Discover Financial Services instructed them to remove it? I am requesting for Discover Financial Services to send another request to XXXX for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud SpecialisXXXX at XXXX who advise me to send a letter to Discover to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my XXXX credit report : XXXX. Account name DISCOVER FINANCIAL SERVICES Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
TrueAccord sent mail I received on XX/XX/2022 regarding a fraudulent account in my name. XXXX XXXX XXXX said on XX/XX/2022 a few days earlier states that they own the debt, and TrueAccord hints at them owning the debt. Reference # XXXX, account # ending in XXXX. 
I want to know who actually owns the debt, and if TrueAccord owns the debt, I request a full validation. If not, I want them to cease all inquiries. TrueAccord stated that by XX/XX/2022 that this debt will go into collections. So who owns the debt? If XXXX XXXX XXXX owns this debt, I also need to know. 

I have been lied to and threatened so many times by this issue Im not sure. This debt has been sold and moved too many times to tell whos telling the truth. 
Both inquires are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NJ

Complaint narrative:
I called Equifax a little while ago to get it to release a freeze on my credit report. I have been denied service by XXXX XXXX because it can not get a copy of my credit report from Equifax. I called Equifaxs number XXXX and could not reach an agent ; instead I was subjected to lengthy, time-wasting, irrelevant, pre-recorded messages numerous times, and, despite me hitting XXXX  several times, I could not get a representative. After calling several times and hitting XXXX when prompted to get an agent, I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2022 I deposited a check at Capital One XXXX Bank. The bank did not state the check was invalid. The bank stated the funds will be available on XX/XX/2022. The funds were available on the XXXX. I began to withdraw using my debit card. And, on XX/XX/2022. The bank reversed the funds of the check deposit. Stating the check was invalid. Taking all of my account money plus an overdraft. The total {$2000.00}. I'm currently a part-time employee and on XXXX. The bank aided the swindle. I found out I was the victim of an employment scam. Transferring funds to a vendor for home office equipment and software. Is the way the new employment was described before paid training. I ended up being a money mule for the XXXX XXXX. Utilizing funds from an invalid check sent to my home via XXXX. I called Capital One on the XXXX to make sure the funds were available. They said yes. But, now after the funds were used. They claim the funds used via debit card are my responsibility. Capital One claimed all my XXXX. And left me with an overdraft to pay. I called on the XXXX and explained the fraud. And there error according to regulation e. They did not even give me a claim number. And stated on the phone that I was all enthralled in the scam. It was not for XXXX weeks later I called and received a nicer representative that I was emailed a claim number. By this time since there is an overdraft I was informed there was an investigation. So I had to ask for the case number. And I sent all the information I had about the scam. To this day I have not heard back from the investigator. And the same employment ad has been accessible on Facebook. Capital One still takes no responsibility for their banking error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: PA

Complaint narrative:
Transunion will not conduct a required investigation regarding incomplete information appearing on my credit report ( XXXX  Account # XXXX ) On XX/XX/XXXX, I received a dispute results letter from Transunion XXXX dated XX/XX/XXXX. The letter states that XXXX investigation results are verified as accurate and updated, even though the last update was on XX/XX/XXXX as indicated on the attached report they sent with the investigation results letter. 

This means, Transunion did not investigate my dispute. They ignored my dispute and sent a results letter telling me that my dispute was verified as accurate. Omitted on this report was the notice of dispute notification and the date of my dispute. 

This account is now eligible for immediate deletion.

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 2022-02-07 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: MD

Complaint narrative:
I have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. TIA

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 2022-02-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. 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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
I have been getting obsessive phone calls and texts via a company called ARS. I previously thought it was ARS XXXX, which is why I created my last report- but turns out it was for the incorrect " ARS. '' I called back this ARS who was contacting me and asked for them to give me more data about their company. This was on XX/XX/XXXX. 

I was told that this " ARS '' is in New York ( which didn't match the address I had for ARS XXXX - hence the incorrect report for them ). This company has been calling and texting me from numbers associated with Oregon and New York. I finally discovered they are Atlantic Recovery Solutions " ARS. '' On XX/XX/XXXX I was emailed by XXXX XXXX a one page copy of what was a collection attempt. I emailed back a document asking for further verification of this debt. This is debt is not on any of my credit reports. I did not get an email saying the email bounced back, so for all intents and purposes, they received it. 

I still got multiple texts and calls from them.

One call about a week later ( toward the end of XXXX ), I picked up the phone and told the woman on the phone that I sent a debt validation letter via email to XXXX XXXX and she quickly got off the phone with me once I stated their attempts at contacting me go against my rights with the CFPB. 

I thought that was the end of it because I haven't heard anything since from them. 

Until today. 

My mother called me to let me know a company had called her looking for me on XX/XX/XXXX and XX/XX/XXXX from the numbers I had listed with Atlantic Recovery Solutions. She said they had been calling her repeatedly for the last couple of months. This contact has happened before and after I asked the company for a debt validation. 

This is highly inappropriate and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. 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 2022-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: KS

Complaint narrative:
On XX/XX/2021, I paid off my current lease in full ( early ) and purchased my vehicle with a cashiers check. I followed their instructions, I completed the odometer statement, bill of sale, etc. I sent everything via overnight mail and per their request, I sent a cashiers check to receive immediate credit. Therefore, they received and were to began the process on XX/XX/2021. I contacted my bank and verified the cashiers check cleared my bank on XX/XX/2021. I have called twice. On the 0econd of the two calls I was told, I would receive everything by XX/XX/XXXX. As of today, it is 81 days since they received my payoff, immediate funds, documents and still I can not register, my car in my name, pay the sales taxes, etc. 

Thank you.

Company response to consumer: Closed with non-monetary relief