vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: IN

Complaint narrative:
AIMLOAN is over charging our escrow account by double the amount of property taxes owed. I have tried to resolve this issue twice with them including an email on XX/XX/2023. AIMLOAN has our property taxes as being {$9700.00} ANNUALLY collected twice yearly as two payments of {$4800.00} in XXXX and {$4800.00} in XXXX. Our ACTUAL TAXES from our county Treasurer - they are {$4500.00} ANNUALLY collected as two payments of {$2200.00} in XXXX and {$2300.00} in XXXX. This is a discrepancy of you OVER COLLECTION {$5200.00} ANNUALLY in our escrow account. They are refusing to acknowledge this issue or adjust out escrow amount down despite over charing us $ XXXX MONTHLY. Attached is the proof of the issue from AIMLOAN and our County Treasurer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX of this year, I sent a Cease and Desist letter to Navient to cease communication with me regarding my private loan and to also cease collections efforts for my private student loan. I did receive a response from them stating that they would temporarily cease collection efforts, yet I continue to be billed. I again took out my private student loan from XXXX XXXX XXXX Bank in XXXX in the amount of {$10000.00}, which exceeded the amount of my tuition and the funds were sent directly to me. According to your press release bulletin on unfair billing practices as well as several recent court rulings, my type of private loan is in fact dischargeable and no longer requires any payment. Navient continues to bill for payment and refuse to acknowledge my XXXX XXXX discharge order dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Im XXXX XXXX. My bank account with moneylion was used for an fraudulent XXXX XXXX transaction of {$280.00}. The bank is refusing to adjust my account correctly. Also this company and its representatives have be outrageously rude disrespectful and XXXX. Also this company is discriminating against XXXX XXXX. Hindering us by making us last when it comes to time frame of services. When asking for manger or supervisor I was made to wait 3 different times up to 30mins long. I will file complaints with cfpb, XXXX  and I will let everyone I can know how badly this Bank operates with XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: WA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I paid my Self account early on XX/XX/XXXX. I paid for it to be expedited out of my account. They waited till the 7th t attempt a withdrawal. They then proceeded to charge me an extra {$15.00}. This fee was never disclosed to me and I was informed that I either pay it or it will negatively affect my credit score. Which I took as a threat. So in my eyes this is now a case of extortion. Pay up or we will ruin your credit. That should be their motto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open XXXX from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Multiple phone calls a day several times a week. They also text me even after I texted STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one closed my platinum card without explaining to me why. i notified them of charges being placed on my account by someone other than myself and the next day i logged into my account and the card was closed. i called and got hung up no explanation nor did they attempt to provide me a solution or a different card to replace closing mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I just went through a bankruptcy and have been trying to get my payment deferred or lowered while I am working with my attorney to discharge these loans. These loans are predatory and have doubled from interest over and over again. One loan originated at {$3200.00} and I still owe {$19000.00} after making {$7800.00} in payments. The other loan originated at {$4900.00} and I still owe {$30000.00} after making {$12000.00} in payments. The interest rate is at 18 %. 

My student loans through the government are being discharged because the school that these come from are XXXX XXXX XXXX and the school is no longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: KY

Complaint narrative:
Federal student loan has not applied limited waiver to 4 months of my 10 year service thus requiring me to work for 4 extra months as part of a ten year agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There is a transaction on my bank statement from PayPal in the amount of {$190.00}. I contacted PayPal and they checked both mine and my husbands accounts through our emails and said they had no information for this transaction. 

Our emails are : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX I started investigating this after it happened ( 2019 ) but then my father died and then 7 months later my brother died so it completely slipped my mind. 

I'm submitting a copy of the bank statement so you have all the information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion. checking my file ive noticed alot of errors that are causing denials on my. credit report this needs to be fixed asap. please review an remove all following information listed in the files.

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 2023-07-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
There was a hard inquiry for a home placed on my credit report using all my information that I did not submit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: CO

Complaint narrative:
I have sent certified letter multiple times to transunion who contunues to ignore them and remove fraudulent and unauthorized inquiries from my credit report. and I do NOT have an open acct with XXXX XXXX  please remove

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I keep receiving multiple text messages and multiple calls from true cord debt collector. I called and asked to please cease and desist any and all correspondence, and please to only contact me via mail. Even after this, I still have received text messages and calls. I even emailed the email that it says to contact and they still will not leave me alone.

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 2023-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/23, I found out that my XXXX by Goldman Sachs XXXX account was locked, after attempting to transfer money out of XXXX to my account at another bank. Reached out to XXXX customer support, and they informed me that my phone number does not associate with my name ( a false statement, especially after I confirmed it with my XXXX ) and that they can not unlock my account without a signed mailed affidavit. This process alone would take over a month. 

After researching online, I found that many other XXXX by XXXX customers are experiencing the same difficulties with withdrawing their savings from XXXX. The prevalence of such issues makes me realize that the firm has been intentionally delaying cash withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2023 I received a call from Chase Credit card company, asking if I had changed my address on my account and requested additional cards. When I told them I had not, the asked me a security question and I refused to answer because they initiated the call. I then called the customer service number on the back of the card and was advised they were freezing the account and sending me new cards. They transferred my call to a security specialist and she help me change the Name and password on my account. 
Upon logging in with new info I notice statement for a XXXX credit card had a balance of {$8900.00}. The security specialist transferred me to a pass due specialist because the account had been closed. This representative said the charges were from XXXX XXXX XXXX XXXX on XX/XX/2023 for {$8700.00}. I explain to her that I had never made those charges she told me that my account would be credited. We discussed a Late Fee charge of {$29.00} and an interest charge of {$37.00} that would also be credited. Then on XX/XX/XXXX, we received an e-mail from Chase stating Your next payment is almost due for the amount of {$52.00} we found on our credit report from XXXX the we had a charge form XXXX XXXX for {$52.00} on XX/XX/2023. 
On XX/XX/2023 we called chase and was told we had credits pending to resolve my account ot a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies 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 non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
- In XX/XX/XXXX, I received a mailed postcard advertisement from Home Depot for credit card users that offered 10 % off or up to 24 months financing. The mailer clearly states " Coupon Valid XXXX ''. 
- On the evening of XX/XX/XXXX, I attempted to use the promotional code to receive the 10 % off discount, but I received an error message stating that the coupon was not valid. 
- I contacted Home Depot 's Customer Care XXXX account ( @ XXXX ), and the person signing tweets on behalf of Home Depot called herself XXXX. 
- XXXX told me that the coupon was expired, and I challenged that position since the mailer clearly stated " Coupon Valid XX/XX/XXXX - XX/XX/XXXX ''. 
- Here are the last XXXX messages in the XXXX exchange : ( 1 - Home Depot to me : ) The coupon expired on XX/XX/XXXX. -XXXX  XXXX ( 2 - me to Home Depot : ) I hear XXXX XXXX XXXX but I tried to use the coupon on the XXXX. So does that mean XX/XX/XXXX was the last date that the coupon was valid? ... ( 3 - Home Depot to me : ) Correct. -XXXX  XXXX I believe since " XX/XX/XXXX '' was listed as a valid date on the coupon, the code should have still been accepted. 
- I believe this was false and/or deceptive marketing/advertising on behalf of Home Depot .

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 2023-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XX/XX/XXXX we had to go on covid forbearance and it was approved. when our va covid forbearance ended in XX/XX/XXXX I tried to apply for a streamline loan modification. I lost my job but was receiving social security XXXX for life now. we could afford our mortgage payment but we could not pay the {$79000.00} Carrington Mortgage was demanding from us. I called every week ( I have proof of every person I spoke to ) inquiring about our modification. I uploaded to the Carrington portal and emailed Carrington all the documents they requested. we were denied in XX/XX/XXXX for no reason stated and no one at carrington could give me an answer. I appealed we were denied. I applied for a VA Partial Loan Modification I found from the CareAct on the White House website that we were protected due to a world wide pandemic. We were denied again with no reason given but we could appeal the denial. I did not know how to appeal this with no reason given and no one at Carrington able to help me but I appealed it anyways. We were denied in XX/XX/XXXX and told we were not in the foreclosure process. Carrington reported in XX/XX/XXXX to all credit agencies we were in foreclosure. In XX/XX/XXXX we received a letter that we owed over {$100000.00} to save our home from being foreclosed on XX/XX/XXXX. I called Carrington immediatly and XXXX told we owed attorneys fees, over $ XXXX in interest along with the behind payments and she could not tell me why we were denied despite the CaresAct. We put our home up for sale and I called out VA rep for help XXXX XXXX XXXX and she called her contact at Carrington. Our VA rep emailed me and told me to submit for a VA Partial Claim Modification again. On XX/XX/XXXX I heard from Carrington through the mail and they asked me to submit paystubs to thier email and they will let us know the approval status. On XX/XX/XXXX we were approved for a VA Partial Loan Mod. I received the documents to signed 3 different times because they spelled my name wrong every time. Buy this time our home had a buyer and we were in contract and could not get out of it. Finally on XX/XX/XXXX I receive the corrected loan docs from Carrington and I sign them and XXXX XXXX them back. Its too late - our home is in contract and we are being threatented to be sued by the buyer and our realtor if we dont sell. we are homeless now! I have faxed and pleaded with Carrington to tell me why all of the sudden we were approved with the same exact documentation from 3 times before and denied. they do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX  and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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