vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient intentionally obfuscates the " email us '' option on their website. When you click " email us '' you are brought to another page with a written list of instructions on how to get to the email form rather than a direct link ( a tactic to reduce the number of emails received ). 
Navient does not offer webchat or email assistance ( although as one of the most dominant loan services in the country, they are more than capable of doing this securely as other financial institutions do ). They direct every inquiry to their toll-free number regardless of how it was received. They do not allow customers to record conversations and thereby ban us from having any proof of what was communicated. 
I felt deceived and bullied into making hasty decisions, and last year, I refused to have ethereal telephone communications about the financial options and the unaffordable rates and fees on my account. Because of the intentional limits of communication options available, I have been forced to go into default on the private student loans, which are on my account. 
I believe that all of this deception, limitation of communication options, and obfuscation of information is unethical and preys on the most vulnerable students. 
I have reached out to Navient via the " email us '' option on their site several times over the past year and have only received a message asking for a phone call each time. Because I will not call, I can not collect information about making alternative payment arrangements. 
These deceptive practices need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I had trouble with PayPal. Shortly before XX/XX/XXXX, they shut down my account and said I had violated their user agreement. Those messages are no longer visible to me in my account page, though they say they save messages for 90 days, and it did occur less than 90 days ago. When I asked what had happened, they said they could not tell me. Then, on XX/XX/XXXX they said they resolved the issue and reopened my account. However, I still could not link my credit card to their wallet. I again asked what the problem was, and they said they could not tell me. Finally, on XX/XX/XXXX, I got a live person to get the credit card signed up. I asked what the problem was, but again they said they could not tell me. I asked if this would affect my credit rating and they said it would not. My complaint is on their lack of transparency. If I had not pursued it, they sijmply would have dropped me with no explanation. I think that is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received a call from Citicards about my account. I logged in online and saw that the autopay on my account had stopped and therefore no payment was taken and a late fee was charged. I paid the outstanding balance, and re-enrolled in auto pay. I asked for the late fee to be waived because I never requested that auto-pay stop, and I could not find any notice received that auto pay had been removed. Nothing changed with my bank information, and the other credit card on the account was still enrolled in autopay successfully. 

My request to have the late fee removed was declined. This outcome is unacceptable to me as I was enrolled to have my account paid automatically in good faith.

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 2020-04-22 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: NY

Complaint narrative:
I did not do or authorize these 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
I did not do or authorize these 2 accounts.

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 2020-04-22 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 did not do or authorize these 2 accounts.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Universal Account Servicing, LLC
State: MI

Complaint narrative:
I have been receiving threatening phone calls regarding a loan for educational services through the " XXXX XXXX XXXX '' As you can see below the company has an outstanding injunction against it and should attempt any collection until it has been resolved. I spoke directly to " Universal Account Servicing '' @ XXXX and informed them of the injunction and told them I do not have any issue making payment on the condition the issue in the injunction has been resolved. SEE DETAILS BELOW. 

IN REGARDS TO - FTC Obtains Preliminary Injunction Against Investor Training Scheme XXXX XXXX XXXX XXXX is temporarily barred from imposing late fees or additional interest if consumers withhold payment on loans XXXX made to customers, prior to XX/XX/2020to finance purchases from the company. XXXX is also prohibited from using collections agencies to collect on the loans, and from selling the debt to others or reporting consumers to credit bureaus for non-payment of the loans. 

https : XXXX XXXX XXXX XXXX  PLEASE CONTACT " Universal Account Servicing '' @ XXXX inform them that they are prohibited to collect on loans per the injunction. 

thank you XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I APPLIED TO USBANK FOR A XXXX LOAN. THE PORTAL IS BROKEN FOR MY APPLICATION AND IS NOT LETTING ME PRODUCE DOCUMENTS NEEDED TO BE ACCEPTED FOR THE LOAN. I EMAIL THEIR SUPPORT EMAIL ADDRESS WITH DOCUMENTS AND GET RESPONSES THAT DO NOT HELP WITH MY APP. THEY TOLD ME TO REAPPLY FOR THE APP BUT SIMPLY THE PORTAL DOES NOT WORK FOR MY ACCOUNT AND THERE IS NO ONE WILLING TO FIX IT. THEY KEEP EMAILING ME THAT MY APP IS MISSING DOCUMENTS BUT DO NOT TELL ME WHICH DOCUMENTS ARE NEEDED, INSTEAD THEY GAVE ME INSTRUCTIONS ON HOW TO GET INTO PORTAL, BUT PORTAL IS NOT WORKING AFTER FOLLOWING INSTRUCTIONS. I SENT IN XXXX T, XXXX XXXX XXXX, BANK STATEMENTS, DRIVERS LICENSE, CODES TO UNBLOCK MY CREDIT AND CODE TO BE ABLE TO DO A BACKGROUND CHECK. 

EMAILS HAVE STARTED SINCE XX/XX/XXXX, HAVE OVER 30 EMAILS BACK AND FORTH.

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 2020-04-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ftc violatons attached and cases that my information pertains too

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 2020-04-22 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: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I had a load with America credit acceptance. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while  the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. 

Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. 

This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. 

If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
ftc violatons attached and cases that my information pertains too

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 2020-04-22 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: TX

Complaint narrative:
ftc violatons attached and cases that my information pertains too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: KEYCORP
State: IL

Complaint narrative:
I reported fraud in XXXX, 2020. My new card took 1 month to arrive SINCE THEN NONE OF MY DIRECT DEPOSITS HAVE GONE THROUGH-THIS IS MONTHS. KEY BANK IS STEALING MONEY FROM THE UNEMPLOYED. I SET UP DIRECT DEPOSIT TO ANOTHER BANK BUT IT IS NOT GOING TO THAT OTHER BANK. HELP. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a " Medical Collection '' for {$1800.00} on all three of my credit reports ( XXXX , XXXX XXXX XXXX ). I have no knowledge of any of this and attempted to have this removed from the credit agencies to no avail. I want to get this item removed.

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 2020-04-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony closed seven of my credit card accounts ( some store cards, some general-purpose credit cards ) on XX/XX/2020 summarily for a " high risk of failure to pay '' ( per a letter received from them on XX/XX/2020 ), despite me having 4 years on record with on-time payments. When I spoke to them on XX/XX/2020 they said it was due to other factors on my credit report - but I have no delinquencies on any of my credit reports. I have always paid all accounts ( including all the Synchrony accounts ) on time and am in good standing on everything. 

To me it seems they are using this excuse to lessen their overall exposure during the economic downturn brought on by the coronavirus. I believe this because of my stellar credit history and from seeing others on social media whose Synchrony accounts were closed on the same day.

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CONTOUR MORTGAGE CORPORATION
State: MA

Complaint narrative:
XX/XX/2019 I closed my refinance with Contour Mortgage. At the day of the closing some information changed XXXX cash out amount and amount paid for points ). I called the XXXX XXXX ( the mortgage specialist assisting me during the closing and he said everything was fine and he'll explain. 
The discrepancy in the payout amount according to XXXX was going to be refunded to me once the escrow account send out the balance left in the account to me. 

I contacted XXXX and his supervisor XXXX XXXX several times in an attempt to clarify what happened with the refund from the escrow account ( {$1200.00} Estm ) & {$500.00} gift card promised to me to cover the appraisal charge. I spoke several times with XXXX and nothing came about for either of the issues. 
I contacted the old bank who have my mortgage to find out if something was missing or if the have the balance. they indicated they account was clear and nothing was due back to me on their end. 
its been about six month since I refinance with Contour mortgage and I still waiting for a resolution to this issue. My attempts to find a solution with them have been unsuccessful and my calls are not being answered by either one of them. 

I hope through this mean I am able to find a resolution and a final answer to what it is owe to me by Contour Mortgage and a explanation as to what happened witht he difference in their final closing papers. 

Thank you. 

please feel free to contact me with any further questions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account was held for more than 180 days. It was held since XXXX. The Paypal user agreement states that funds can be held for a maximum of 180 days. Paypal have not responded to me even though this deadline has passed already. I want to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have amex card since XXXX not one late payment not one over balance charge. I paid balance down XX/XX/XXXX for {$200.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for {$670.00} and XX/XX/XXXX for XXXX and I have brought my credit score up from the XXXX to XXXX since XXXX. But now AMEX lowers my available credit by over XXXX after I worked so hard to bring balance down and all my scores have been increasing. This in turns hurts my credit score as it affects available balances. I was told if I make another {$600.00} payment that my limit will go back up so On XX/XX/XXXX I made a payment of {$700.00}. What a way to take advantage of what is going on in world today and what a way to treat a client that has never been late and had just paid off huge chunk of credit. 

This is so wrong yes let us ruin peoples credit oh look they just paid off their balance so we going to lower their credit limit and hurt their credit score. Yep that is a way to do business. 

I am requesting that my limit be restored as they state it would by making me pay an additional {$700.00} after all the other payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have been in contact with GM Financial about removing a credit remark on my report from XX/XX/19. This was an error due to their company 's app set up of the auto pay being difficult and confusing to navigate for customers. They refuse to remove the remark, even though they have the ability and authority to do so. I was never late in over 20 years of being a loyal paying customer. And I was not late by that much either. I am trying to secure a new loan during this difficult financial time and they are not being flexible or compassionate. I would like to some assistance with this matter and would like to file an official complaint about GM Financial in regards to this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: OH

Complaint narrative:
There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.

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