vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I have been paying on my student loan since XXXX. The balance is still high so I contacted the loan company for my payment history. They have not applied any of my monthly payments to my principal until XXXX. The original loan is for {$30000.00}. Is it legal for a company to only collect interest if thats not the type of loan Ive agreed to? Even if it was a tiny amount something should have ALWAYS been applied to my principal. 

As of right now, I have paid {$23000.00} on a $ XXXX loan and only {$5000.00} has gone towards my principal. I have about 10 more years left if I dont pay it off ahead of time. My interest rate is only 5 % and one portion of the loan is XXXX. 

Is this legal? Like I said, I know interest is high in the beginning, but nothing was taken out for my principal for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, I'm writing in regards to application for a NFCU credit card done online. I was disappointed to hear of my denial considering my efforts over the last few months to improve my credit. Recently, I've taking steps to improve my credit reports that been riddled with inaccurate information. I currently have all my most recent accounts in good standing. No recent late payments and pay all my bills on time. I have been a valued customer with navy federal credit union for over three years. I might had some hard times with my account but other than that my account been in good standards. Navy federal states that they don't based you credit application on consumer report but you will still get an inquiry. Therefore, they based your application on your Transunion report and also your navy federal credit scoring system. Therefore, they have violate my rights as a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( **The Navy Federal Credit Union ** ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 I've done an excessive amount of research on various types of credit & what's need to build a satisfactory score. I've taken money management & a credit 101 class offered through my employer. I'm not asking for a large amount of credit, but simply enough to enjoy the wonderful benefits of the credit card while also continuing to prove my value & creditworthiness to you as a customer. I'm excited about the great perks & features that are associated with this credit card. I'm hoping this letter finds it way to someone who can help me get this application reconsidered, however I'm not authorizing an additional credit pull.

I also have the navy federal credit union NReward card that been in good standards since I got it and no credit limit increase. Please could someone review both accounts.

Below, I attached a letter in writing that I sent to them for reconsideration on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Purchased XXXX XXXX gift card from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$100.00} paid XXXX. Opened the gift card tried to activate for use and was denied. Once the card is opened, XXXX can not take it back. Called the company XXXX XXXX XXXX XXXX ( on packaging of card ) XXXX they told me that since the last XXXX numbers on the card did not match they can not assist me. I've been calling repeatedly and was told to send a fax with a copy of the receipt, front and back of card, and government ID. I resent the fax 3 times, called 1 week after sending each fax XX/XX/2022, XX/XX/2022, XX/XX/2022, only to be told that the to send another fax. I can't imagine how many people this happens to and they don't fight for their money back. I want my {$100.00} back.

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 2022-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Closed case XXXX by Capital One is wrong on there investigation. 

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: EdFinancial Services
State: PA

Complaint narrative:
On XX/XX/XXXX, I requested a refund on all the payments I have made via phone call. I was told this would be handled by the department of treasury. However, I have yet to see a change in my balance once I put the request in. Also, I am not sure when I will get my refund because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: TX

Complaint narrative:
AmericanFinancing.net : XXXX XXXX XXXX XXXXXXXX. 

I was told I would qualify for a loan based on XXXX income and not total income. this was in XX/XX/2022. After several steps it was changed that I would have to present fourth financial information despite the XXXX XXXX being acceptable for approval. the rate had been secured and locked in. I believe they then began to slow the process greatly in order to have the rate lock expire after having me spend hundreds of hours compiling documents and changing conditions. Over XXXX  months later they have not extended the lock despite providing all documentation request very quickly. Their communication was extremely slow I believe on purpose. i escalated this numerous times with the lender. I have text communication from some employees within the company stating their practices are not being properly followed. I can only interpret this as an attempt to delay to raise my rate away from the agreed upon rate. Ultimately, I received a closing statement without any notice and not notifying that my rate had been significantly increased and allocating some of the proceeds to pay down credit cards never before discussed. It appeared they were hoping I would not notice the large increase in order to lock me in. Now after XXXX months interest rates have increased drastically and I have lost my opportunity to secure a lower rate, being damaged by hundreds of thousands of dollars over the course of a XXXX year mortgage. For some background on folks that my be seeing this publicly. This was a refinance of an existing XXXX expired XXXX XXXX. My financial situation has improved since the original finance which was a healthy financial situation at the time. I was contributing cash to purchase discounts to the rate. I would not have started working with this group had I not been assured my financials were more than enough to get the loan processed. when additional financial information was required it showed additional income over XXXX times what was originally needed. I don't believe they ever intended to honor the rate, just bury borrowers in paperwork and exhaust their time to then tell them they are out of time and a higher rate is the best they can do. Additionally at XXXX point they told me information I had supplied was " rejected by the underwriter '', when I pressed for evidence of the rejection and a reason why, they recanted and said that meant they just could not " find '' the information I provided and needed it again. All information was uploaded into a portal they have so their is no reason they could not find it, they again just appeared to have no interest in getting the loan processed. Beware, you will be months into a process and they will change your rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial closed my account and has not sent me the remaining balance. It was closed about 2 months ago without warning, but I just want my money back. I believe there was around {$40.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OK

Complaint narrative:
I sold a XXXX XXXX to XXXX XXXX, his brother, and his stepmother, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating that XXXX, his brother, and himself were on board with the purchase, so I reported an IC3 form. I have not heard anything back regarding my filing of the IC3 form. I have also filed a complaint with XXXX PD. I have video footage of the meetup with the brother who came to pick it up, and pictures of the chat logs. I am on limited income and SSI due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the 10mb limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. 

Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX of 2021, I noticed that there were multiple accounts listed on my credit report from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. Not recognizing these accounts and the amounts that they claimed that I owed, I immediately sent account validations letters to XXXX XXXX XXXX asking for proof as to where these accounts came from as I believe I may have been a victim of fraud or that this could have simply been a mistake on their part. After not hearing any thing from them for over 90 days, I sent validation request letter to XXXX XXXX XXXX since they were the ones that actually listed these multiple fraudulent accounts on my credit reports. I am talking 6 accounts for different frivolous amounts. After not hearing any response from XXXX, I have disputed these accounts with Transunion and XXXX. XXXX found these account to be frivolous and removed all of them except for two accounts in the amount of {$96.00} and {$110.00}. Transuion has not investigated these accounts and continues to report them months. By law I am due a simple investigation or even a proof of validation in regards to these accounts. I want these accounts removed form my credit reports ASAP since it is evident that these accounts were placed on my credit reports in either a weird way to damage my scores or by accident. 
Either way it should have be rectified when i alerted not 1 but 3 companies in the mistake.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank issued credit cards for XXXX XXXX customers. The accounts were either sold to Bread Financial  or Comenity Bank changed its name to Bread Financial  in XX/XX/2022. At that time my account was fully paid off, and all accounts were closed to new purchases. It appears that they have stopped reporting to credit agencies, as all three show a balance of over {$3000.00} for my account. They agree it is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have now realized that the same item was REINSERTED onto my credit report. 

XXXX XXXX Account # XXXX In accordance with the requirements of the FCRA section 611 ( 15 U.S.C.S 1681i ) ( 5 ) ( B ) ( iii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material ( ii ) notice to consumer. If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 days after the reinsertion. I have received no such notification, this is a serious violation of the FCRA. I demand you DELETE this account from my credit report 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 explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My credit card was closed without notice ; my payments were being submitted through the XXXX system of my primary bank ; even though the payments were received one day late, they were accepted by the creditor, while assessing late fees which doubled the amount paid. The creditor also stated that the late fees placed my account as " high risk '' and closed it without notice, while still collecting monthly payments, late fees and high interest rates. Their actions have damaged my credit scores with all credit reporting bureaus, and other creditors have followed suit in lowering credit lines, or reducing available credit. The creditor refused to reduce the late fees, even though the payments were submitted within a five day grace period, which the creditor does not acknowledge.

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 2022-09-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
In XXXX of XXXX I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at XXXX mortgage company. I was notified by them that it was charged off and sold to Nationwide Credit Inc ( NCI ). I have had numerous phone calls with NCI and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MT

Complaint narrative:
I paid in full XXXX XXXX dollars in XXXX. I disputed this with Experian, and they did not update the account. This is not in collections, and it was paid in full. Please see the attachment.

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 2022-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
My phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. 
I also noticed charges on my stolen credit card in my card app for payments to Affirm that were used to finance these purchases. 
My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX Affirm loans that were used to finance the purchases. 
I reported to both XXXX and Affirm that these orders are not mine. I sent in an affidavit to Affirm as well as screenshots of the delivery addresses of the unauthorised purchases, explaining that it is not my address as well as information about an Identity theft report I filed with the FTC. 
Affirm sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the American Express Blue Cash Everyday Credit Card after doing extensive research on the balance transfer options both on XXXX  and by reading the terms and conditions and card holder agreements on the American Express website ( https : XXXX ). All websites stated that there was a 3 % fee for all balance transfers from non American Express or affiliated institutions within the first 60 days of opening the account. It was not until after I was approved and accepted the agreement that I was then notified that the American Express Blue Cash Everyday Credit Card does not offer a balance transfer amount higher than {$5000.00} despite the credit limit offered being substantially higher. I feel the practice of not disclosing the balance transfer limit regardless of available credit is deceiving. I have called the institution to discuss my concern and was informed that this card does not offer a higher balance transfer option and that it was supposedly disclosed within the terms and conditions on the website. I once again reviewed all documentation and there is no discussion or mention of this limit. This would have impacted my decision in selecting American Express and I would have gone with another card option with a higher balance transfer limit. I am now put into a position where I am not able to transfer the balance initially intended and in order to seek out another card option I will either have to replace the American Express card or supplement the balance transfer which would require a second hard inquiry on my credit score bringing my overall credit rating down, effecting my creditworthiness for an unspecified amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I have been reaching out the the company since XX/XX/XXXX. I noticed I was being overcharged for my escrows. I emailed the company a copy of my tax bill to have my taxes updated and was told it would be completed within 2 weeks. 

On XX/XX/XXXX when I realized through my online account that the update was not done, I reached out again and again emailed the tax bill to the escrow department and was told over the phone it would be done in 5-10 business days. 

I do not have exact dates, but I continued to reach out about twice a month being told they received the tax bill I sent but the update was not completed. 

On XX/XX/XXXX, I spoke with a supervisor XXXX who was very disrespectful and condescending. She told me the taxes would be completed in 2 weeks ( XX/XX/XXXX ) and that I should trust her because shes a supervisor and if she says it will be done it will get done. 

I called today XX/XX/XXXX and spoke with another supervisor whos name I do not recall. He was respectful, but told me something entirely different. He told me my loan is automatically reviewed in XXXX. He could not tell me when in XXXX it would be done. If I had been told it would be automatically done in XXXX from the beginning then this would not be an issue. I have wasted hours across more than a dozen calls about this issue and I am still being over charged by more than {$200.00} per month for my escrow. I have no faith that my escrows will actually be updated at any point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation