vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had automatic payments set up with Navient through my debit card. They used to have my bank account information but made unauthorized payments using it. But I decided they could do the auto payments through my debit card. I started those three years ago. I was watching the payments and everything was going fine. But last XXXX, I got a new debit card. I forgot to contact the company to make sure they had the correct one one file. But the company waited four months to contact me and ask for a payment. They waited until the account moved to the collections department to reach out. At which point they harrassed me with phone calls and emails four times a week. One week they called me twice in one day. That last for a solid month. I called them and made a payment. But they told me I still owed money just to get it out of collections. I asked for documentation that they would not have my card information on file and that I would also receive the terms and agreements of my account. I asked for certified mail. Never received it. During that phone call they continued to use predatory tactics which caused me to panic. It triggered a recent trauma and the cops were called for a welfare check on me. The phone calls and emails stopped for a bit. Flash forward to XXXX. The company sends me an email that says if I call and make a payment by XX/XX/XXXX they will waive late fees. I call them on the XXXX to make a payment. The woman tells me I do not have any late fees. So now they are using false information to bait me into making payments. By telling me they will waive late fees that is a promise they will provide a service. In this particular instance they have not provided that promise. I no longer can trust this company. Since making that phone call. I have received an email from them asking in a round about way for a payment each day. I has only been 4 days since that phone call. The woman on the phone that day told me she was giving my account to another department who would assign me to a personal account manager. I have yet to receive any communication from any individual who would handle my account. I never talk to the same person on more than one occasion. More predatory and false promise tactics to get money out of people. Their customer service is horrendous and they continue to mishandle accounts. I want my loans out of the company and never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad Astra is alleging I have an open account with a balance of {$310.00} dollars owed since XX/XX/2018. They have failed to provide me with proof I opened the account, they do not have my signature on any paperwork for the account, and I do not recall opening this account. This is a defamation of my character and the collector refuses to remove the account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have a personal loan with Upgrade and can manage that but they have another product called Upgrade Card, which is a line of credit and not a credit card. The payment changes monthly and only increases so is like XXXX and has become egregious and unmanageable with interest at 25.99 %. I called to see if there is a more manageable payment but they could not help me, so I will be paying a payment of {$220.00} for 37 months ( the monthly payment changes daily as I looked earlier this week and payment for XX/XX/XXXX was {$210.00}. This is a very dangerous " card '' as the payments are variable - I was not aware at the time of applying how bad this card is. I have been helping my son and family during COVID-19 and took loans to do this, along with doing all I can. I've asked Upgrade for a lower interest rate and reasonable monthly payment and was told they don't do this. And their COVID-19 " help '' is of no real help and I don't want this. I believe the Upgrade Card is a bad vehicle with very high interest rates. I'm not eligible for any loans at this point and I have cut up the card will pay the debt down with Upgrade. They are like many other on-line loan service companies ( like XXXX, etc. ) but they do not care if one makes payments on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hey so I tried to open a business account onXX/XX/XXXXat a branch in New York. They said that they cant open my account because of a prior situation in 2014. Chase had closed my account in 2014 and I was never sent any documentation as to why. So much was going on at that time that I just used another account I had instead and didnt really investigate further. Fast forward to now, I hold a XXXX XXXX, own several businesses, own property, no criminal record, and I pay my taxes. I am what you consider a model citizen yet I am being denied banking opportunities. Im also XXXX American. I would like this matter investigated because there is no reason I should be denied opening up an account with anyone in the world. 

Name : XXXX XXXX ssn : XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IN

Complaint narrative:
The debt reported from HARVARD COLLECTION SER in the amount of {$450.00} is not mine. This is inhibiting me from attaining credit in order to purchase a new home or qualify for higher lines of credit. It isnt fair that fraudulent charges can make such an impact on someones life and their ability to make larger purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/2021 we made a payment of {$5000.00} towards our principal reduction. The mortgage company adjusted/reversed the payment and put the money as if making advanced monthly payments so that they could get their interest! We called and reported this mistake to them and they said they would correct the mistake right away. BUT AGAIN on XX/XX/2021 we made another payment towards our principal in the amount of {$8000.00} and the company adjusted/reversed that payment as if we were putting the payment towards advanced monthly payment, charging us interest on that money AGAIN! These people are scamming us because we are trying to payoff our mortgage and their actions need to be reported! Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Remove six late payments from my credit report for student loan 1 message  XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXXXXXX To XXXX  To XXXX  To TransUnion XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Student loan for XXXX XXXX Acc # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/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 2021-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently received a copy of my credit report from your company reporting a number of items on the report that I do not recognize, is unknown, or I believe are inaccurate. I am assuming that your company has verified the accuracy of these disputed items before you reported each one. 

I need copies of documents that you have on record that you used to verify the accuracy of these disputed accounts as I have the right to demand that you release and make public all documents recorded. I believe your source of documents used by the furnisher are unreliable and that the disputed accounts are in error. 


XXXX XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 

XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: FL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I dont have any affiliation or never done any business with the company. It is fraud completely & needs to be removed. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Hello. 

I submitted a {$2000.00} payment to my Citi Premier card on XX/XX/XXXX. At the time of making the payment I was told that it was applied to my available credit immediately. I later checked online and found out it wasn't applied, so I called in and was told it would be applied to my available credit on the next day. 

On XX/XX/XXXX I called and was told it still wasn't credited and was on hold until XXXX. However, I was told that I could call in after it cleared my bank and it would be applied. 

On XX/XX/XXXX I called in and confirmed that it was still on hold until XXXX. Since it still didn't show as cleared with my bank I was told I had to wait and call back when it had cleared. 

On XXXX the payment had finally cleared my bank on XX/XX/XXXX, so I called in and was told that they would not call my bank, and instead I had to wait until XXXX. 

That is unacceptable for Citibank to hold my payment for 10 days without allowing me to use it. Especially since I was told differently three different times. 

Citi must be held accountable and live up to what they say.

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 2021-05-01 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: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX I have called their billing office several times. XXXX I called and they said I was paid in full. They show me as in collection as of XX/XX/XXXX. The amount is {$160.00}. After my call on XXXX I assumed when they told me I was current we were okay. However we are trying to buy a house and it still shows up as outstanding. We have never received a current bill or collection call. 
XXXX XXXX  : XXXX {$100.00} XXXX {$63.00} PAID IN FULL

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 2021-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

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 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/XXXX I realize when I lost my personal cellphone away on work, I also lost my Chime debit card when I got home. I called chime as soon as I realized and had all paperwork back to them by XX/XX/XXXX. I made a police report and sent them the reference number for a police report. I called 3 credit bureaus to report Incident. They did investigating in regards accounts trying to be open. The amount is in question with chime is {$3700.00}. I have called every day. I got emails saying XX/XX/XXXX for provisional credited. During this time im a traveling XXXX XXXX and I lost my assignment in XXXX at the XXXX XXXX working for the Veterans due to no funding for hotels. When the fraudulent incidents took place I was in XXXX XXXX  XXXX working. I lose my contract job. XX/XX/XXXX is when I got a email from chime stating no error concluded. Police found 3 fraudulent charges so far but cant say anything until their investigation is done. Credited Bureau found credit account trying to open in my name. Sent Chime documents proof of fraudulent and still havent got refunded as if XXXX. I also requested info from Chime. I havent received anything from them beside emails about XX/XX/XXXX. No one called me. No one asked for more documents. I sent them willing. I want my provisional credit and chime to fully investigate my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an unauthorized inquiry on my credit report. I did not give anyone written or verbal authorization for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to remove those items from my credit report immediately. It has been over 45 days, so the items should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I am deeply disturbed that I recived a letter closing my complaint I am the not being repersented by anyone I have just taking the time to learn the laws and exercise my rights. Please take this complaint serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I dont have any affiliation or never done any business with the company. It is fraud completely & needs to be removed. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: AES/PHEAA
State: LA

Complaint narrative:
There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a XXXX XXXX  program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX  school, I had never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To Equifax To XXXX  To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To XXXX  To Experian To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX Acc # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/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