vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
For the past couple of years I have been dealing with Navient since i graduated in XX/XX/2012 ... I dont make a lot of money so I asked to be on a income based plan.. they put me on an income base plan they said I had to make payments for 300 months and send in XXXX paystubs annually.. thats fine.. but every 2 years they have me dealing with other companies through them and they make my payments start over.. telling me to pay amounts I cant afford to get started with their plan.. I didnt catch on to what they were doing until the last time when Navient took XXXX out of my account out of the XXXX I had which made me not be able to pay my bills and still got me behind till right now.. I called Navient and they told me I had to switch plans to XXXX XXXX XXXX and they will get on a payment plan bc Navient has been having a lot of complains lately..They told me the only way to not get that much money taken out is to deal with them, so thats what Im doing.. Something is not right though and Im tired of my months having to start completely over

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
We had 3 different authorized transactions from our account. Community Bank Account for Our XXXX XXXX XX/XX/XXXX amount {$1600.00}, XX/XX/XXXX {$17.00}, and XX/XX/XXXX {$1100.00}. These were transactions made by XXXX XXXX from Virginia to an XXXX XXXX XXXX. I found theses and reported this to our bank on XX/XX/XXXX. We closed our account and opened a new account. After investigating some XXXX XXXX XXXX XXXX  refunded half the money taken. They said there wasn't anything they do because over 48 hours had passed. I am XXXX XXXX the treasurer of the club, XXXX XXXX is the one that is now Chairman for the recovery of the money. His home number is XXXX-XX/XX/XXXX-XXXX-XXXX and his email is XXXX. My phone number is XXXX-XX/XX/XXXX-XXXX-XXXX and my email is XXXX. Thank you for your time. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: AES/PHEAA
State: DC

Complaint narrative:
FedLoan Servicing manages my student loans. As a XXXX XXXX XXXX I am participating in the Public Service Loan Forgiveness ( PSLF ) Program. I submitted the appropriate paperwork to demonstrate that I have made 30 qualifying payments for each of my two loans. I submitted the PSLF certification paperwork on XX/XX/XXXX. I received a statement on XX/XX/XXXX stating that one of my had only 19 qualifying payments and the other had 23 qualifying payment. 

I contacted FedLoan Servicing via email on XX/XX/XXXX and I specifically asked FedLoan Servicing to let me know which months in the 30 month period did not meet the qualifying payment requirements. In response, FedLoan Servicing said in an account statement dated XX/XX/XXXX that one of my loans has only 25 qualifying payments credited, the other only 27 qualifying payments credited. Not only are the qualifying payments incorrect, I have not been notified which months in the 30 month period, do not qualify for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from XXXX XXXX  showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted XXXX  XXXX XXXX credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/XXXX that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/XXXX at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/XXXX but could take a few business days to reflect in balance. Manger phone call on XX/XX/XXXX left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/XXXX state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/XXXX but  XXXX  XXXX XXXX online account activity shows transaction date of XX/XX/XXXX. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. Thank you.

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2019, I filled out an online application for a Lowes credit card. The website directed me to call in to complete the application and provided a reference number : XXXX. When I called in I was asked for my physical address since I provided a PO Box for the application and the financial institution is required to have a physical address on file. I provided my address but emphasized that there is no mail delivery at the address and that my PO Box would need to be used for everything - the physical address is only for their records. The representative said he understood. After he ran my credit he said my application was denied and that they would be mailing me a letter with the reason. 
On XX/XX/XXXX I received an email asking me to click on a link, provide my reference number, and verify some personal information to access the response. I was able to provide the information and authenticate but the page that came up was blank ( I was accessing it from my mobile device as I do not have another computer ). I found a computer I could use to access the letter and it said I was declined because the address provided did not match my credit report. 
On XX/XX/XXXX, I called them back to ask if they could rerun my credit using my PO Box . Since I don't get mail at my physical address it doesn't appear on my credit report anywhere and can not be verified that way. After speaking with a supervisor I was informed that federal regulations require that they be able to verify my physical address, and that they can only do so using a credit report. 
I find this to be a discriminatory practice. People living in rural areas who do not receive mail at a physical address are disproportionately affected by requiring that their physical address be available on their credit report when creditors report information using the address they mail statements and notices to. Also, a consumer has very little control over what a creditor reports to the credit bureaus, and no way besides a dispute to add or update information that the credit bureaus have on file. 
In short, I don't get mail here, I can't tell the credit bureaus that I live here, my creditors don't provide my physical address to the credit bureaus, and Synchrony Bank won't validate a physical address by any means other an inquiry to the credit bureaus. I have been denied credit because I live in a rural area and don't have mail delivery at home.

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 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my 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 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was offerred 0 % interest for six months with Pay Pay Credit. I read all terms and conditions and called the company to find out how the promotion worked. I was assured so long as I paid in full by six months there would be no interest. Now I am getting interest charges despite it only being two months. I called the company and they said they were considering the transactions " cash advances '' even though I selected " paypal credit '' when paying for the goods or services. They referred me to several sections in their terms and conditions, none of which are easily determined to relate to the 0 % interest promotion. 

This is deceptive marketing and a deceptive promotion.

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 2019-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: JH Portfolio Debt Equities, LLC
State: MI

Complaint narrative:
I was fooled into signing a Confession of Judgement.

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 2019-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendUp Loans LLC
State: MO

Complaint narrative:
I received a loan from this company on XX/XX/17, outlined in the agreement a payment schedule of XXXX was to be paid on XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 and XX/XX/17 by automatic withdrawal. I have sent proof showing that at the end of my loan all payments were done. However at the end of my payments I received a notice stating that I still owed XXXX. I contacted the company and was told that there was a payment that was missed and unable to be withdrawn. Even though I disagree with this information that would be a single payment of XXXX. The payment of XXXX is compounded interest beyond what is stated in my signed contract and what is legal under Missouri state law. I have contacted my Attorney General in regards to this matter and the company several times to no avail. The customer service refuses to connect me with someone directly or give me contact information for the corporate office. I would like to have this settled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
I closed a mortgage loan with this company. I was not only delayed 5 days, during which time I was rendered homeless, but I was also unnecessarily charged {$810.00} at closing to " buy down '' my rate. Though the official Closing Disclosure which was reissued to me on XX/XX/2018, it wasn't explained to me that I was being charged .375 % of loan amount for " points. '' The lender, XXXX XXXX, sandbagged my loan though I explained on XX/XX/2018 that serious circumstances existed which may affect my ability to qualify. Instead of advising me at that time that they would not be able to fund me, that it might affect my rate, or that my closing date might need to change, we moved forward unbeknownst to me that my loan was in trouble. We didn't have a substantive dialogue until XX/XX/2018 around XXXX ... 3 hours after I could officially terminate and receive my Earnest Money back under the auspices of not being able to qualify for the loan. Again, if customer service would have been stronger and very important details would hvae been communicated to me during the mortgage process, I would not have been blind-sided by their charge. On XX/XX/2018 they informed me of their proposed " new rate '' of 5.5 % which, to me given the fact I'd disclosed the change in financial circumstances, was a money grab by Guild Mortgage plain and simple. 
I am especially disappointed in XXXX XXXX, the branch manager. He blamed me for the loan not closing and laughed at me when I told him that Guild Mortgage should pay for my hotel expenses due to his company 's inability to fund me on time for closing : XX/XX/2018. Instead of reassuring me that we would close the loan as soon as possible and to the best of their abilities, he told me it was my fault that the loan wasn't closing on time - I explained that I had told XXXX XXXX about the circumstances which had changed which could affect the loan closure and he remained adamant it was my fault. Along the way, I voiced my complaints about their business to both XXXX XXXX at the district level and XXXX XXXX VP at corporate..to no avail. Their customer service is terrible and consumers need to know how they conduct their business, especially about their confusing fees which are revealed at the closing table like my {$810.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
1 ) In approximately the fall of XX/XX/XXXX I moved from an apartment with internet serviced by XXXX to an apartment with a different ISP. XXXX did not turn off service at the old apartment in a timely way and billed me an additional {$53.00} for services I did not receive, in spite of their obligation to release me from the contract without a termination fee. 

2 ) I submitted a dispute to XXXX through XXXX on XX/XX/XXXX. I have not received any response to this in nearly two years. 

3 ) The collections debt has passed among collection companies who attempt to collect the debt, and then after I instruct them not to call me, they resell to another collection agency. These companies then report the supposed debt as a new collection account to the bureaus, which keeps the account fresh and more impactful in the determination of one 's credit score. This practice is clearly abusive and not in the spirit of the law. 

I believe the case above demonstrates a failure at all levels of the credit system we have in place, but primarily I wish to have the debt now held by AFNI , Inc. to be discharged and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I notified the bank there were charges on my account which were fraudulent in the amount of {$970.00}. They reversed the charges and told me I would have to confirm in writing and they would send me a dispute form. They also said they would change my account number and send me a new card. Before I got the dispute form, on XXXX XX/XX/XXXX they sent me a letter saying " After a thorough investigation we have concluded that the fraudulent items never posted to your account or they were returned in full, which means your account balance is {$0.00} " Despite the above, when I got the first statement for the new card, before I even received the new card, with a new account number, the bank had added the {$970.00} fraudulent charge to the NEW account. I immediately notified them ( XXXX ) I was very upset by their having allowed the same fraudulent charges to be placed on my NEW account, which had allegedly been issued just to avoid this occurrence. I told them to also cancel my account entirely On XX/XX/XXXX they wrote me requesting more information, although they already had told me they concluded an investigation and I was not responsible for the fraudulent charges. The charges again appeared on my XX/XX/XXXX bill. I called XX/XX/XXXX and spoke to XXXX and XXXX, Sr. investigator in the fraud department, who said they will cancel the charge. The XXXX bill showed the charge was canceled on XX/XX/XXXX, placed on the account again on XX/XX/XXXX, and removed again on XX/XX/XXXX. I received no further notices or account statements after XX/XX/XXXX until yesterday I suddenly received a statement showing a charge to my supposedly closed account for {$140.00}. I have not authorized any charges or used my account since I told the bank to close it in XXXX. It is now XX/XX/XXXX. I called the bank and they said the account was closed on XX/XX/XXXX. Nevertheless, they still allowed a new charge!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

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 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my 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 2019-04-23 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: FL

Complaint narrative:
I was victim of identity theft, somebody used my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
This company is charging for things that are not suppose to be on my credit report do not know this company or the company it represents.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation