vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This complaint is against Navient Student Servicer. I started at XXXX University in XX/XX/XXXX. At that time, my previous student loan had been forgiven and closed. I completed my XXXX XXXX XXXX in XXXX in XX/XX/XXXX. In XX/XX/XXXX, Navient started taking payments ( {$300.00} per month ) from my account but by XX/XX/XXXX, I requested a forbearance. The forbearance process was not explained fully but it was granted. Within a few days, another loan from Navient appeared on my computer screen for {$430.00}. When I called Navient, I was told that there were two different loans. When I attempted to explain that I only had one loan, the representative told me that I took out a personal loan. I have never taken out a personal loan with Navient. I have always used the FAFSA system for my student loans. The representative granted a deferment on both loans for 6 months. Now, Navient tells me that I am not eligible for forbearance and that I owe {$95000.00} in student loans. I informed the Navient representative that could not be correct and she informed me that each day my loan was on deferment, I was being charged. I informed her that it seems Navient has a deceptive system they are using on students and she attempted to offer the Navient Student Forgiveness Loan. The representative started to ask me if someone else used my student loan information and she also mentioned the loan from Sallie Mae when I was attending the University of XXXX which was closed. She then told me that I paid off three of the loans but I still have eight more loans. When I asked her about the private loans, she could not explain how I received that type of loan without applying for it. I understand that not paying the student loan is not good but I can not pay {$800.00} worth of student loans per month. Navient is being unreasonable but according to them, they go by the reported income on W-2 forms. Well, if that is so, I should be eligible for a decrease since my spouse passed away on XX/XX/XXXX. I mentioned that fact to her but she was so involved in trying to sell me the Navient Student Forgiveness Loan package, she failed to listen to what I was saying. The Federal Government urges education but when individuals seek student loans to assist with their education, the loans are referred to companies that treat the consumer unfairly. The Federal Government should place a cap on the amount a company can charge per month for a student loan. They should also decrease the charges the student faces after receiving a forbearance or deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
In response to my complaint, # XXXX-XXXX, PHH Mortgage submitted requested Power of Attorney, which is IRRELEVANT. Presented document effective XX/XX/2013. I request to provide Power of  Attorney, which pertain to the time frame from XX/XX/2013 to XX/XX/2013. In the order to justify my request I provide documents related to the Sheriff 's sale, XXXX county, Wisconsin and court orders, XXXX County Circuit court. Property was conveyed to the investor XXXX XXXX XXXX XXXX   XXXX on XX/XX/2013, Electronic Real Estate Transfer Receipt XXXX. 
Therefore, after this date neither GMAC nor Ocwen had nothing to do with the loan and the property. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: SC

Complaint narrative:
Inaccurate information on credit report. Please update and investigate and report accurate information on credit report.

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 2020-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As I talk to citi bank Clerk in XX/XX/XXXX, the Clerk confirm that I owe check plus {$6500.00} not $ XXXX.following days, I transfer {$1200.00} inXX/XX/XXXX statement show I owe $ XXXX.inXX/XX/XXXX I transfer {$200.00} Statement show I owe {$1400.00}, in XX/XX/XXXX I transfer {$2000.00} The statement show I owe {$3400.00} everything correct from that day, but in XX/XX/XXXX I transfer {$3100.00} after I make transfer suppose statement will be {$6500.00} but the statement show $ XXXX.before I made transfer I'll see how much balance, then I made transfer. So there is wrong about the online banking system, there is {$900.00} over charge from checking plus.

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
Noticed on my credit report that Allied Collection XXXX XXXX XXXX is requesting that I pay XXXX. I have never received any collection notices and have disputed this bill with XXXX for incorrect billing. Im trying to purchase a home and I cant afford to pay for charges that I have never received and that are not valid which is fraud.

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 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have signed up for Citi AAdvantage credit cards that promise American Airlines promotional bonus miles. Citi checked my credit and approved me for credit cards, I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, American Airlines has closed my AAdvantage account claiming I violated their rules but not telling me what I did. Citi approved me for these credit cards and owes me the value of the promotional miles promised. Their partner, American Airlines, by confiscating my miles has made it so that neither of the companies is living up to their obligations.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied to refinance my mortgage with Wells Fargo last XXXX. To the best of my knowledge, I was approved.I spoke with XXXX & XXXX and everything was fine. After my home appraisal, I lost communication with my loan officer for a month and a half. I tried filed a complaint with Wells Fargo which got drawn out until last week, It appears the resolution specialist wanted to wait until I closed the loan to notify me everything was good. No investigation was done. 
We finally closed the loan last week. I was assured the closing company would send the checks to my debtors. It appears they tried saving postage and mailed me all 3 checks. I sent the checks to my creditors last week and so far, 2 of the checks have been returned by the closing company 's bank. 
Wells Fargo and their 'independent ' closing company have made my credit drop almost 100 points due to my debt usage. I have payments that have to be paid by the XXXX and because of whatever is going on with Wells Fargo, it appears I have to pay these creditors even though it was not in my budget. 
Wells Fargo has been incompetent, nonchalant and very careless with this process. They have a big name tat I expected better from, but so far I have received 1 star treatment, 1 star service and 1 star competence. I am not sure if they do not know what they are doing or if they just won't do their job. On the other hand, it could be some sort of profiling. I've tried wrapping my mind around everything going on, and their actions make no sense.

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing today through this portal as my last resource after dealing with Wells Fargo and not getting a fair solution on my case. This company is reported a fraudulent item to the credit bureaus. They are committing multiple violations to the Free Credit Reporting Act. 

I contacted them on XX/XX/2019 through a dispute letter sent via fax ( please see fax confirmation attached ). They didn't even investigate the account or take in consideration my dispute notice. 

I am demanding a deletion letter from Wells Fargo. Despites I have been a good customer, they are not being fair with me. If Wells Fargo denies my request, I am willing to let a courthouse decide for them. I want the following account, that is related to fraud : WF CRD SVC XXXX. Date Opened XXXX XXXX Credit Limit $ XXXX.Closed. 

Attached : Proof of fax, letter sent to WF, FTC Report.

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 2020-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I applied for a loan with Upstart, the request was not approved. It was required to create an account with Upstart to submit the application and since I was not getting a loan with Upstart I no longer needed an account with them. Upon my request to delete / close my account, I was told that my account was not able to be deleted at the time of my request to do so. I then asked when will I be able to delete / close my account, was then told that federal regulations prohibit Upstart from deleting / closing my account. I asked what federal regulation it is that prohibits the closure and was given their privacy policy instead. I asked again for the federal regulation they were abiding by and was then told that I already received a response to my inquiry and that Upstart considered the matter resolved and that there we be no further communication concerning my inquiry. I then called to ask what federal regulation they were following that prohibited them from deleting / closing my account and was told they aren't allowed to divulge thier practices. If there is a federal regulation that prohibits the deletion of my account, fine but if there is not, is it legal to maintain an account on someone against consent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I opened a credit card with XXXX XXXX, Comenity Capital Bank, XXXX XXXX XXXX, XXXX OH XXXX, on XX/XX/XXXX. I had a promotional balance that was set to end in XXXX. I decided to pay the full amount XX/XX/XXXX. I called customer service line at XXXX and asked for the full pay off amount. I then paid {$15000.00}, the full pay amount that was provided to me via phone. The representatives name was XXXX, our conversation begin at XXXX on XX/XX/XXXX and ended 30 minutes later. I believed then I was done with payments, but I received a XX/XX/XXXX bill for {$130.00}. I called and they advised that that was not the full pay off because of daily interest. How can I accrue daily interest when they told me the amount to pay in full. None the less, I paid the XXXX bill. Here we are now in XXXX and I get another bill, this time for {$4.00} ( confirmation payment # XXXX ). I called today, XXXX XXXX, XXXX and had a conversation with a representative. I requested that he close my account and I paid the {$4.00}. I'm not sure if I will be charged yet again next month and am enlisting the help of the CFPB to make sure this company stops charging me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit dispute relating to a XXXX XXXX XXXX Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called XXXX XXXX XXXX and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/20 I applied for a Capital One Savor credit card. The card offered a {$150.00} sign-up reward. The application was denied and a letter was sent stating that the reason for the denial was " Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months ''. My credit score at the time was XXXX to XXXX at the 3 different credit bureaus, my income is {$390000.00} per year, and I had 0 to 2 credit inquiries on my credit report. I had 3 credit cards opened in the last 24 months ( 19, 11 and 6 months ago ). My credit scores have been in this range for years. 

I reported to Capital One that I did not understand the rationale for their decision. I was told that a supervisor would call me to review the result with 10 business days. That did happen. They called me and asked me to call back. When I did, they simply told me the application was denied. There was no further explanation. 


I expressed to CapitalOne that I was concerned that my application was denied due to my age or what they may have inferred from my last name, as the decision seemed improbable. Perhaps they did not like that I always paid my balance. They did not respond to this. 

I am asking CFPB to investigate this as a discrimination concern ( age, religion, nationality ). I would like to know the percent of denials for people with similar income, credit scores and credit inquiries irrespective of age, race, religion, or nationality. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX. I purchased at least {$12000.00} worth of add on services like extended warranty, rim replacement, dings and dents, etc. 

My car was hit and totaled on XX/XX/XXXX. I have never made a claim against any of the additional services that I purchased. The car is paid off. 

I reached out to XXXX XXXX in XXXX, GA who failed to file the paperwork. 8 weeks later, I reached out again but no one will take my call or return my calls. I tried to contact BMW corporate but they will not assist, because I requested that they verify me with information other than the last 4 of my social security number. I gave the last 7 of the VIN, the number i called from was verified by the automated system, I would give my address. 

The number and address of XXXX XXXX are as follows : XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX. 
The people with whom I spoke there are XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TX

Complaint narrative:
I submitted a credit dispute relating to a XXXX XXXX XXXX Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called XXXX XXXX XXXX and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.

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 2020-02-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I submitted a credit dispute relating to a Rooms to Go Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called Rooms to Go and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I had a XXXX XXXX  Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. XXXX transferred to a collection name Midland Funding LLC. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. Midland funding began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
I applied for a credit card at XXXX XXXX todayXX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.

Company response to consumer: Closed with explanation