vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have a Federal Parent Plus Loan that is currently being serviced by Navient. On XX/XX/2020, I contacted Navient to inquire about lowering my monthly AutoPay amount by {$60.00} as part of family budgeting changes due to the current COVID-19 related financial crisis. I owe about {$25000.00} and was paying XXXX monthly which resulted in a total repayment in about 39 months of a bit in excess of {$28000.00}. I was told by the customer service representative that they could not make the requested change, but calculated a new repayment schedule of {$370.00} a month for 24 months, followed by two terms of payments in excess of {$1100.00} per month that pushed repayment out into XXXX, and would have a cost to me in excess of {$180000.00}. I explicitly told the representative that I did not want this option ( multiple times during the recorded conversation ) and to just leave the account as it currently existed and after a few demographic questions ( address, phone, and email verfication ), ended the call. 
The morning of XX/XX/2020, I received an email notification from Navient that my loan payment terms had changed. Turns out, they were changed to the proposed and rejected new payment schedule from the prior day, without my consent. I called customer service at Navient and complained about the situation, requesting that my loan payment terms be set back to what they were prior to the XX/XX/2020 call. Representative offers a couple of payment plans that were close to, but not exactly what I had had before. Consequently, I asked to speak to his supervisor. The representative put me on hold, and came back after a few minutes, without the supervisor, asking about would I accept one of the new payment plans and that he would internally register an inquiry about how this happened. Again, I asked to speak to the supervisor as what I wanted was to have the account put back to how it was previously. Representative said he would connect me with the supervisor and put me on hold. After a few minutes, he returned and stated that the account was set back to the original payment plan. I never did get to talk to the supervisor. 
While my situation was rectified, I have concerns that Navient representatives are making unauthorized changes to repayment plans, resulting in longer repayment terms and more interest expense for customers. Also, the fact that I never was able to talk to a supervisor and lodge my complaint seems to me to be indicative of a pattern of pervasive dishonest and misleading behavior on the part of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ON Saturday XX/XX/2020 I agreed to purchase a truck from XXXX. She has an account with Ally Financial who hold the title for the truck ( XXXX XXXX XXXX. The truck had a payoff as of XX/XX/2020 of {$7500.00}. On XX/XX/ XXXX and I sent a cahiers check to Ally financial via XXXX XXXX for that exact amount with a letter directing Ally to send the title to XXXX XXXX/ XXXX and my address. On a phone call with Ally on XX/XX/XXXX we were told that getting the title would take about 3 weeks and we should include a letter directing them what to do with the title. It has now been over six weeks and Ally has not sent the title even though Ally sent a text indicating they were processing the title/lien release on XX/XX/2020.

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 2020-03-19 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: LEXISNEXIS
State: OH

Complaint narrative:
Called XXXX  and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX  has not reached out to them and that they have not verified any information. I was informed that XXXX  uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my 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 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
We are currently refinancing with another company and need a pay off from our current mortgage company called Freedom Mortgage ( phone # XXXX ). They keep lying to us for the date of pay off delivery and we can loose our rate and refinance, where we are saving {$250.00} per month. Our closing attorney requested it on XX/XX/20 and we have proof it went through- now they say they can not find it. Then we directly made a request on Friday as borrowers and they promised 3 days turn around, this morning they say it will be another 2 days or more. they are not ready to serve their clients in the case of disaster, though we hAVE NO idea how that effects them as the calculation is done by a computer. As far as we know they are the only ones that people are having problems with. They also tried to force us into refinancing while giving us 0.625 % higher on the rate we would be getting currently. Please help us!!!! XXXX and 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 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have hospital debts that are not mine. I remember two instances when I went to the hospital with my mom and I took my brother also for an injury. But I personally never went for myself. I've reached out to the credit bureaus and debt collectors themselves but they haven't responded in 60 days. It pains me to have these incorrect items on my credit report that are causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One on XX/XX/20 to have my payment and interest waived due to being out of work as a result of the COVID-19,  which has been ongoing since XX/XX/20. I spoke with a CSR who waived payment and interest forXX/XX/2020 and advised that my payment was not due until XX/XX/2020. When I proceed to ask about interest ( XXXX and XX/XX/2020 ) on my account that I requested to be waived due to being out of work as a result of the COVID-19, she advised that she had to transfer me to a supervisor. I was transferred and spoke with XXXX-supervisor ( ID # : XXXX ) onXX/XX/20at approximately XXXX XXXX  CST, who advised interest could not be waived for XX/XX/2020 or XX/XX/2020, but she stated that customers who had not paid their XX/XX/2020 payment had their interest and payments waived.  Inadvertently, since I had already made my XX/XX/2020 payment ; I was penalized and was not extended the same courtesy as other customers. All I asked was that my XXXX and XX/XX/XXXX interest be waived since ( as the courtesy had been extended to other customers ) I had already made my XXXX   payment. My interest for XX/XX/2020 is {$64.00} and interest for XX/XX/2020 is {$57.00}. I attempted to resolve the issue by asking the supervisor to take a complaint and have someone in Upper Management reach out to me with a resolution. She advised that she could not make make any promises that anyone would call be back with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I see a collection amount of {$410.00} on my credit report that, I believe, is not owed by me. XXXX XXXX XXXX has continuously billed me and indicates my original account number as ending in XXXX indicating also the original creditor as " SYNCHRONY BANK TJX ''. I sent a written letter to Synchrony Bank asking for details on charges incurred when the original purchases were made indicating the information I got from XXXX XXXX mentioned above. The response I got from them however, says they are researching their account " ending in XXXX, a BananaCard account ''. Then they apparently forwarded a letter to XXXX ( I received a copy of the supposed communication from Synchrony to XXXX ) saying their TJX account ending XXXX was indeed delinquent, and that the amount owed at the time of sale to XXXX was {$410.00}. Since I didn't receive a satisfactory complaint from Synchrony, and am back where I started, filed a complaint with the CFPB via their agent. Synchrony then responded with a message stating the delinquency is correct. However, the detail attached to their response shows a person name XXXX XXXX for an Old Navy account ending in XXXX. This is clearly for a different person and account. 

My name AGAIN, is XXXX XXXX, not XXXX XXXX. The account shown on my credit report is TJX ending in XXXX. I need a response as indicated below : 1. Copy of original credit card application 2. Statements indicating the exact charges for purchases, location of the purchase ( online or physical store ) 3. Dates purchases were made 4. Clear detail for the method used to arrive at the amount owed of {$410.00}. 

I have attached two files. The first shows the latest information uploaded as evidence of " resolution '' in response to my last CFPB complaint. The second, is the history so far, showing the XXXX claim, my letter to Synchrony trying to get to the bottom of it, and their response about some random other account ( ending in XXXX ) which is not mine. 

Once I receive the CORRECT information, I will respond appropriately and promptly. 

Thanks. 

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 monetary relief
Consumer complaint received 2020-03-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and Transunion and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.

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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had loan. Approved for {$2100.00} was put into my Pay Pal account. Card number # XXXX XXXX XXXX XXXX valid thru XX/XX/20 CCV # XXXX I only got to use these funds for a week then my card was cut off. I spend only {$620.00}. There be a balance of {$1600.00} left. On my card. 

The Pay Pal company. Said I spend {$2100.00} in a week. That is WRONG ..!!! 


Plz check into this. 

Thank you 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 2020-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
As you can see two payments one year apart did not apply funds to principle. XX/XX/XXXX payment of {$370.00} principle- {$310.00} interest- {$63.00} but only {$60.00} was credited to account. XX/XX/XXXX Payment XXXX Principle- {$290.00} interest- XXXX But XXXX $ was credited to principle. Not to mention the interest charged on the XXXX for over 12 months. So that breaks down to {$600.00} not including the charged interest of 8 %. I am trying to pay off this loan to get a lower interest rate. they seem to be dragging there feet as they continue to charge me interest daily. I called on a Monday they said call back fri or Monday following week. it has been 2 weeks and still no one is fixing this issue. They keep playing and saying there is no way for us customers to get a hold of that dept.

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 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After working with XXXX loan and XXXX XXXX, I processed a " deed in lieu '' on my mortgage and not only was it satisfied, they gave me {$10000.00} because I left the property in excellent condition. It was gone from my credit report, but suddenly re-appeared XX/XX/2019, bringing my normally stellar credit down to Good and then Poor!!! When I tried to contact them, I found out they were sold to XXXX XXXX  services. I contact them and was told, in fact, I was correct, but since they are not XXXX, they could not remove it. The best they could do was send me an email confirming that I no longer should have this info on my credit report. I will attach a document with the email contents. The contact information is XXXX XXXX XXXX in the Escalation Department toll free at ( XXXX ) XXXX or email XXXX at 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 2020-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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