vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX. 
A student loan payment of {$410.00} sent by my employer, The University XXXX XXXX, on my behalf on XX/XX/XXXX, to Pioneer Credit Recovery has not been applied to my student loan account, although the check was cashed over a year. The check was shown to be cashed on XX/XX/XXXX, by Pioneer Credit Recovery. 
I have been having my wages garnished by the XXXX XXXX XXXX for my federal student loans since XX/XX/XXXX, and collected by Pioneer Credit Recovery Inc. 
Pioneer credit Recovery has instructed me that they only process the wage garnishment order, and that all payments are sent directly to The   XXXX XXXX XXXX  of The Department of Education, and that I needed to contact the Wage Garnishment Department of The XXXX XXXX XXXX in order to get information on my loan payments.. 
I was told by Pioneer Credit Recovery to contact The XXXX XXXX   XXXX XXXX XXXX Department of The Department Of Education by calling XXXX - XXXX - XXXX to get information on the missing payment. 
On XX/XX/XXXX, at the request of the XXXX  of the DOE, I mailed the requested copy of the front and back of the check that the University XXXX XXXX deducted from my paycheck and paid on XX/XX/XXXX for my student loan payment, and shown to be cashed on XX/XX/XXXX. The XXXX XXXX XXXX/Wage Garnishment Department stated that they received proof of payment on XX/XX/XXXX. I was told that the payment would be applied to my account within 4 business days, and that I would be sent a corrected XXXX Student Loan Interest Statement.  As of today, XX/XX/XXXX, The XXXX XXXX XXXX still has not credited my account for the payment of {$410.00}, or sent me a XXXX updated and corrected Student Loan Interest Statement, although they have received proof of payment from my employer, in the form of the front and back of the check, and breakdown of when it was cashed. 
I am at a loss on what to do at this point. 
In summary, my goal is to have my student loan payment of {$410.00} credited to my account for XXXX, and to also receive an updated XXXX Student Loan Interest Statement. 

Respectfully, XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has listed my last name as XXXX for over 5 years and refuse to fix it. It is listing the wrong last name with my social security number and date of birth. My correct last name is XXXX. I disputed this at least 3 years ago on the phone and they stated they would take off the wrong last name but they never did. I disputed it again recently and they stated they would contact the third party who supplied the wrong name and get it fixed. I also uploaded my driver 's license and social security card so they could see what my correct last name was. They still haven't fixed my last name yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have not opted into Over Draft protection at US Bank. The allowed a transaction to come through and charged me a overdraft paid fee. 

Asked the bank to wave the fee, transferred to a manager Named Mr. XXXX when he got on the phone I heard a one word response of NO before we even started a conversation and they disconnected my call. 

In XXXX of XXXX XXXX of XXXX and XXXX of XXXX the bank did decline that transaction it's an auto pay but they had declined it at those times. 
This time they decided they were going to charge me a fee which they would not waive

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 2020-07-07 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: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda financial offered a two month Payments deferral towards the end of the life of the auto loan. Now my balance for sample was XXXX after the two months my new balance was XXXX so it went up because they added interest charge on my account for the last two months. So instead of starting making payments on XXXX where I left now I have to start making payments on a higher amount on top of being changed interest for the last two months. So is Honda financial helping customers due to COVID 19 or XXXX  up the customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I got a high interest loan for XXXX from XXXX/Amplify after I already paid them XXXX I got sick on the on a virus called them to explain that I'm a XXXX XXXX XXXX low income retired unable to continue the XXXX biweekly payments they were taking from my bank account, but the Representative were agressive indicating me that I'm in collection by the above Company, I need help on this matter because I really can't afford those payments, I need to know if is legal to overcharge a person in this way. XXXX is located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX, phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate your attentions and all help you can help me on this regard. Thanks for your time. XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Fl XXXX my SS # XXXX XXXX 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 2020-07-07 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
In XXXX of XXXX I did a debt rollover from a XXXX  XXXX card in the amount of {$4600.00} to my Chase Amazon Prime Visa card. I have always paid off my current balance using the " pay off outstanding balance '' setting. I needed to change my setting to a monthly payment of {$1000.00} since I didn't want to pay off the {$4600.00}, and I rarely go over that amount. Unfortunately Chase started using a portion of my payment to reduce the amount of my rollover. This resulted in them charging me interest on outstanding balances which should have been paid with my monthly payment of {$1000.00}. In XXXX they charged me interest on a balance of {$1100.00} in the amount of {$12.00}. My purchases for that month was less than the {$1000.00} I paid. The same thing happened in XXXX when I was charged interest on a {$1700.00} balance even though my purchases were about {$1300.00} ( my payment for that month was {$1500.00} ). 
This increase in interest charges would have likely increased month after month as they were taking a portion of my payments to reduce my rollover amount even though no payment was due on that amount until XX/XX/XXXX. 
I am filing this complaint in order to start an investigation into their fraudulent practices or to warn other consumers to keep an eye on their balances. 
I did contact Chase and they were able to credit me for the XXXX interest, but not the previous fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a notice in the mail ( today XX/XX/2020 ) dated XX/XX/2020 from Chase Card Services. The letter stated they did a recent review and credit information on my account and reduced my credit limit from {$17000.00} down to {$2800.00} ( my current balance owed is {$2000.00} ). The letter stated they pulled my XXXX  Credit Report and reduced my credit limit amount based on the following reasons : BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH, NUMBER OF ACCOUNTS CURRENTLY IN USE, HISTORY OF LATE PAYMENTS. I immediately reviewed my XXXX  credit report and could not locate any accounts that were delinquent or had a late payment, nor could I find any accounts with a high balance compared to the credit limit. In fact, the credit report says I have a 18 % credit usage, and not late payments. 

On XX/XX/2020 at XXXX, I called the card services customer service number that was located on the letter to speak more about the issue and the drastic decrease of credit limit ( as I am currently seeking to buy a new home ). I immediately requested to speak to a supervisor, as the representative didn't have access to the system to advise as to why my credit limit was reduced. 

Once the manager ( her name was XXXX ) came on the phone, she was very short with me and very rude. I advised that I wanted to file a complaint and asked what the follow up time for the complaint is. She stated there is no follow up. She only offered a re-consideration review, but that Chase Card Services would need to re-pull my credit report, causing a hard inquiry. I asked why would the consumer have to be responsible on having a hard inquiry pull, if I am disputing the credit limit decrease in which I had no warning. She had no answer to my question, other than " that's just the way it is ''. 

Due to her negative attitude and me being rushed off the phone, I asked if there was a formal complaint department that I could speak to. She said they have no number and said that I would have to mail in my complaint. Surprisingly she gave me an address to their Executive Office. I will be writing them this issue and formal complaint, but thought I would file the complaint with CFPB as well. I do not agree with the {$15000.00} reduction in credit with this account. I have never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. Capital One issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: FL

Complaint narrative:
I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.

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 2020-07-07 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: MN

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF EDXXXX XX/XX/XXXX XX/XX/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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I opened a business checking account with Suntrust Bank online. This is a XXXX XXXX XXXX. I submitted all documentation as requested online and was advised electronically to " check on the status in 2-3 days. '' I logged back into my account a few days later and received notice that the " account had been successfully opened. '' Mind you, this was by me checking on my own. Throughout this entire process, I never received a phone call or email from the company. Thinking that my account had been successfully opened, I attempted to set up an online checking account. I immediately received notice on XX/XX/XXXX that the online account is in a " Pending Closed '' status. 

Confused, I called my local branch. A representative advised me that " pending closed '' typically means that my initial deposit had not cleared. I was about to go into a local office, but this was made difficult to the Covid-19 Pandemic. On XX/XX/XXXX, I received correspondence from the " fraud department '' that my account had been closed without explanation. 

Infuriated, I called the toll-free number listed and spoke to a representative. After being placed on hold she reiterated what was stated in the letter with no additional explanation. I then asked to speak to a supervisor and was denied the opportunity. 

Suntrust does not realize : My grandmother had an account My father currently has an account I had a previous car loan with BB & T ( paid in full ) Current credit card with BB & T Never in my life have I experienced such horrible customer service and the cold shoulder. I will try to move all of my business as quickly as possible and advise everyone I know to refuse business with either Suntrust or BB & T. This level of incompetence is ridiculous in the middle of a Pandemic.

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC
State: CA

Complaint narrative:
I was contacted by D & A Services , LLC via letter dated XX/XX/XXXX. They informed me they were representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect a debt amount of {$800.00} which they purchased from XXXX XXXX. 

I responded within the 30 days asking them to validate the debt which they did. I sent a D & A Services a debt settlement letter. Agreed to pay the original amount of {$620.00}. I also informed them because Covid-19, I would pay this in 4 installment payments of {$150.00} on the XXXX of each month. I sent this letter on XX/XX/XXXX. 

I waited for a response. I received a letter dated XX/XX/XXXX saying I didn't respond to their letter. They reduced to debt from from {$800.00} to {$680.00}. 

I replied to D & A Services LLC on a letter dated XX/XX/XXXX their letter was incorrect. I did respond. They received and signed for my certified debt settlement on XX/XX/XXXX @ XXXX XXXX   according to the USPS website. I provided the tracking number printed out a receipt from USPS. I re-iterated my previous settlement offer of {$620.00}. This letter was mailed out on XX/XX/XXXX. 

I received a phone call from D & A Services LLC on XX/XX/XXXX @ XXXX XXXX. A woman left a voicemail. I called back and informed female rep who I was. This call lasted 5 mins and 36 seconds. I was on hold for 5 of those minutes. I informed her to please contact me via letters as we have doing. Don't call me. She advised she would relay my message. They received my certified letter at morning. I'm in California so I'm 2 hours. They received and signed for my certified letter and then called me promptly. 

I'm still waiting to hear from them. My issues with them are : 1. They lied about that fact I didn't respond to their correspondences.

2. They lied about not receiving me letters because I sent all correspondences by certified letter via USPS. I have receipts.

3. They've inflated my original debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MO

Complaint narrative:
SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/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 2020-07-07 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: MN

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF ED/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MN

Complaint narrative:
FRAUDULENT APPLICATIONS MAY BE  SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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