vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I reported to Citizens Bank, in XXXX, NY, that it appeared that my checking account had been affected by fraudulent activity. Despite my strong password, somehow, an internet site called " XXXX XXXX XXXX XXXX CA '' seemed to have infiltrated the XXXX website and debited my account. Citizens did eventually credit the account pending an investigation. However, as a result of that fraudulent debit, a recurring bi-weekly transaction that I had scheduled for at least 6 months resulted in an overdraft status. Despite my attempt to credit the account and transfer funds to cover the debit transaction, Citizens Bank has continued to charge my account multiple overdraft fees of {$37.00} and subsequently began charging me " sustained overdraft fees '' of {$30.00}, seemingly every other day. This is so ununscionable, it's mind-boggling. 

This experience is really causing serious hardship for my finances and my mental health. 

I am already being impacted by reduction of income and funds due to COVID-19 which has now been exacerbated by this fraudulent activity that appears to have been caused by lax security systems on the Citizen website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have an acount at with the 5/3 rd bank in XXXX, Il I have a business account and personal the business account is the the account I have problems I tried to withdraw money and and couldnt not due to bank errors I still havent recieved any cash

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( NAVIENT SOLUTIONS LLC ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to Navient, I got a call and a " bill '' from XXXX XXXX XXXX XXXX XXXX claiming to collect on the debt that have already been paid. I called both Navient and XXXX to let them know the debt has been paid in full and yet XXXX continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
In XXXX of XXXX, the Homeowner applied for and received loan forbearance due to financial hardship caused by XXXX as provided by the XXXX CARES Act for the following time periods totaling 11 months : XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX On XX/XX/XXXX, the Homeowner received a letter from the Servicer stating that the COVID-19 forbearance period was ending. The letter directed the Homeowner to the Servicers website for up to date available options for mortgage forbearance. The options presented on the Servicers website in XX/XX/XXXX did not include a COVID-19 forbearance extension option as guaranteed by the 2021 CARES Act for government backed loans. The Servicers website provided the following as the list of all available mortgage assistance options : Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure. 

On XX/XX/XXXX the Homeowner telephoned the Servicer to discuss the COVID-19 forbearance. At that time, the Servicer informed the Homeowner that the forbearance was scheduled to end on XX/XX/XXXX. To receive the full 12 months of COVID-19 forbearance guaranteed under the XXXX CARES Act, the Homeowners COVID-19 forbearance should have ended on XX/XX/XXXX. In addition to reducing the duration of the existing COVID-19 forbearance by one month, the Servicer also did not make the Homeowner aware of the COVID-19 forbearance extension provided by the 2021 CARES Act as an option to address difficulty making payments in addition to the options presented on the Servicers website. Presented only with the options of Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure, the Homeowner agreed to resume responsibility for making mortgage payments as of XX/XX/XXXX. 

The impacts of XXXX have caused ongoing financial hardship for the Homeowner. Had the XXXX forbearance extension guaranteed by the 2021 CARES Act for government backed loans been presented as an option by the Servicer in XX/XX/XXXX, the Homeowner would have accepted. Had the Homeowner been given the benefit of the full 12 months of forbearance guaranteed by the 2020 CARES Act, the Homeowner would have had the benefit of one additional month of relief and an additional month to secure the benefit of the COVID-19 forbearance extension guaranteed by the 2021 CARES Act. 

Given the errors committed by the Servicer, the Homeowner is requesting that the XXXX forbearance be reinstated on the Account for the period starting XX/XX/XXXX and ending XX/XX/XXXX. This reflects an additional forbearance period of seven months, to include the month reduced from the initial 12 month forbearance period and the six month extension guaranteed by the CARES Act of 2021 for government backed mortgage loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I opened an account # XXXX with XXXX XXXX in XXXX XXXXIt has been 7 years too old to still be on my credit. Portfolio Management is reporting is if it opened n XXXX I would like it removed from ALL credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: AES/PHEAA
State: PA

Complaint narrative:
Fedloan servicing & us dept of education Are both reporting false and/or erroneous information on my credit report showing loans Ive never signed for. I demand the wet ink signature to prove I am responsible for these alleged loans ... ... .. Looking at the payment history shows many errors and false information and straight up lies, Ive never paid this company but they say they have payments from dates When I was unaware that this even existed ... ... I have never paid this company so them even stating that there was a payment on any date is automatically a lie and grounds for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My credit report has many errors from addresses I did t reside on or never lived on, names I legally dont use to unauthorized credit inquiries with my consent even though my credit file must be frozen since last year. I have placed security freeze and fraud alerts, but somehow, unverified inquiries continue to be on my profile. I have reached out but no resolution from the bureau and others. I have been ignored and my credit had suffered unfairly. Please have them review my file and fix errors from wrong addresses, wrong employers to many illegal aliases and unauthorized inquiries. 

Thank you. 

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 2021-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: DE

Complaint narrative:
Today I called OSLA because my online access said their information did not match my information ( SS and DOB didn't change ). The rep who answered the phone immediately launched into a pitch about how I qualify for forgiveness under newly passed policies ( not true ). The conversation then included him encouraging me to say I couldn't afford my loan and to claim additional family members were living under my roof ( to lower my payment ) that are not residents of my home.

Ultimately he was selling me on refinancing my loan with an origination fee ( {$890.00} ) and a higher interest rate ( +2 % ) from my current rate.

This caught me off guard because I had called to straighten out an administrative thing and ended up in the middle of a high pressure sales pitch.

Agencies entrusted with servicing Dept of Education student loans should not be high pressure selling anything and encouraging fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX  first payment was due on XX/XX/XXXX ". 

I attached proof that Experian credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or Experian CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from XXXX XXXX & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the EXPERIAN CRA or XXXX XXXX or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To Experian & XXXX XXXX this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Since XX/XX/ Ive contacted Equifax almost every day twice a day to remove a security freeze from my credit report in order to refinance my mortgage. Ive debt with some fraudulent activity in the past so I like to keep my reports locked until I need them. Ive been told itll take 24hrs, then 72hrs but the freeze still remains. I pay a monthly fee Equifax XXXX to access my reports, monitor my credit and lock/freeze my reports which Ive tried to do manually myself. Equifax gave me and advance ticket # on XX/XX/XXXX and promised to give me a call within 3 days with a resolution, Ive yet to receive a call, and my Equifax report remains frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CA

Complaint narrative:
0nXX/XX/XXXX I have sent a letter regrading inaccurate and unknown things on my credit file. Up to this day, it is already over 60 days and I never received any response. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 days gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: FIRST HORIZON BANK
State: TX

Complaint narrative:
The company Iberia Bank is currently erroneously reporting information to the various credit bureaus, inciting ownership to a delinquent account. The said account has been asked to be validated by myself with no response of such with supporting documentation. Such reporting violates multiple FDCPA laws and has caused me great mental and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
My name is XXXX XXXX there is no third party involved. I am submitting this complaint on behalf on myself. I sent a letter about validation of debts. Consumer reporting agency have not carried out their responsibility ordered under the law. They are in violation of 15 US Code1692 ( g ) ( a ) ( 5 ). I request for them to send the original documents from creditor. They have not provide no information to me about no original document I have sign. Section 611 ( a ), it is explain that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report. It has been more than 76 days so they have to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My credit report has many errors from addresses I did t reside on or never lived on, names I legally dont use to unauthorized credit inquiries with my consent even though my credit file must be frozen since last year. I have placed security freeze and fraud alerts, but somehow, unverified inquiries continue to be on my profile. I have reached out but no resolution from the bureau and others. I have been ignored and my credit had suffered unfairly. Please have them review my file and fix errors from wrong addresses, wrong employers to many illegal aliases and unauthorized inquiries. 

Thank you. 

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 2021-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I xxxx xxxxxx the natural person who is currently of age of majority would like to validate the information listed above is accurate and herby would like to address several violations that have occurred between the creditor and Experian in violation 15 U. S. C 1681c Requirements relating to information contained in consumer reports States Information excluded from consumer reports except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Fact, ( 1 ) Cases under title 11 of the United States Code or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Facts, 15 U.S.C 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission pf a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a debt- Fact, The Fair Debt Collection Practice was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report due to Experian has willfully violated several of my rights I am requesting for all related information to be removed. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report Chapter XXXX Bankruptcy XXXX XXXX : xxxxxxxxxxx Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX first payment was due on XX/XX/XXXX ". 

I attached proof that XXXX credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or XXXX CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from Auto Now & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the XXXX CRA or Auto Now or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To XXXX & Auto Now this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
ACCOUNT ON CREDIT FILE AS PENTAGON FEDERAL CREDIT UNION THAT NOT MINE AND ITS FRAUD! IM NOT MILITARY OR HAVE ANYONE IN MY FAMILY AS MILITARY SO HOW COULD I EVEN GET A MILITARY CREDIT CARD! I HAVE FILED A POLICE REPORT AND FTC REPORT AND I CONTACTED THIS CREDIT UNION SEVERAL YEARS AGO AND TOLD THEM THIS ACCOUNT ISNT MINE AND CONTACTED PENTAGON FEDERAL CREDIT UNION WHEN THE INQUIRE WAS MADE ON XXXX  AND TOLD THEM THIS ACCOUNT WAS FRAUD AND THEY SAID THE ACCOUNT THAT WAS ISSUED UNDER MY CREDIT WILL NEVER BE ISSUED OR CANCELLED. THEY LIED

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