vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I walked into the dealership on XX/XX/2022 to make a consumer credit transaction for a car. However, on XX/XX/2022 I didnt leave with anything but inquiries on my credit report. My credit report was pulled by Capital One and inquiries were put on my report saying that I applied for a loan from them, when all I did was go to the dealership and try to purchase a car. I have no idea how they got my information and why they pulled my credit report. They also received compensation from pulling my credit report and I received nothing in return. That is an unfair transaction per the truth in lending act and per 15 u.s.c 1611 and 15 u.s.c 1640 they are criminally and civilly liable for the crimes they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CA

Complaint narrative:
I have several federal student loans through Navient that were taken out in 2005 for XXXX XXXX XXXX XXXX XXXX. Through the years I have not been able to pay so I have been enrolled in an Income Based Repayment Program, which after so many years my loans would be forgiven IF I renew every year. Every year for about XXXX I have had no problems, until last year. I, like so many others lost their job during Covid lockdowns and safety measures. So I ended up on unemployment, making less than the previous year - which like so many years my XXXX XXXX XXXX XXXX ( XXXX ) annual renewal had zero problems. But when I make less money, I get repeatedly denied - just like this year when I applied in XXXX, receiving my rejection letter on XXXX. Currently I make less than {$1000.00} a month. Per the laws I am entitled to financial help, which Navient has denied for a second year in a row. Last year after literally yelling and screaming on the phone I was able to get my XXXX instated after seven months of fighting. And even then I was lied to because I was told I would only have to pay {$17.00} a month but actually paid over {$24.00} a month, so you can see I have zero trust for Navient and its practices due to their repeated disingenuous actions. 
This years rejection letter stated that because I am paid XXXX out I am not eligible for financial help. Why am I paid 12 months out? Why do I continue to be rejected when I make even less money each year for the past two years? No one will answer me in the multiple attempts trying to contact Navient. It is my belief since my loans would be forgiven in about XXXX Navient is now trying to ensure that I fail at my renewal so they can up my monthly payments, and ensure that my loans never are forgiven. Since I had so many years of successful annual renewals for my XXXX program, its really the only avenue I see from their repeated behaviors over the past 24 months. Also since the loans have been issued I have received at least three class action suit payments due to Navient 's blatant infractions, which reinforces my belief that Navient is now being disingenuous and again attempting illegal business practices ; because after all the crime is more than the fine these days. And lastly I believe I illegally paid Navient last year and now they are trying to cover it up saying I am paid over 12 months out. Thank you for your time and any help in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I was offered pandemic assistance in the form of forbearance, which I took starting in XX/XX/XXXX. I was under the assumption we would be able to move any payments not made to the end of our loan. 

We took the entire extension offered of 18 months. 

XX/XX/XXXX I submitted an application on the website to do a loan modification. I checked the next day and it seemed to no longer be there, so I submitted another request. I checked back nearly daily. It came back denied, due to a previous modification, that had been made more then 12 months ago. 

On XX/XX/XXXX, I submitted another request for a loan modification. It was denied on XX/XX/XXXX. 

On XX/XX/XXXX, I called and talked to our loan representative. She said we could do a deferral of payments on the ones we missed and they would be added to the end of our loan. She said I should make our normal mortgage payment as planned. 

On XX/XX/XXXX, I logged in to make the payment. It said I was denied for the federal and I could not make a payment at all on line. 

I tried called the representative I spoke to directly-I got her voicemail. I talked to someone else, who was extremely hard to understand ( he was muffled-I asked him more then once to unmuffle ) for an hour. I came out of the phone call with no resolution. I guess the deferral was denied because it would take 30 days and at that point I would be 19 months behind on my loan, even though I was told to make a payment XX/XX/XXXX. 

I called my representative again and left a voicemail after the hour long phone call with the other agent. At this point, there is 4 days left of the month ( 2 business days ) and Im not sure whats going to happen. I dont know if foreclosure proceedings have started, I dont know if I can try to pay the forbearance payments over the course of 6-12 months on top of a regular mortgage. I have no resolution or actions to take. 

It takes at least 24 hours for someone to get back to me. While I understand its a business and there are other people in line, I should be able to talk to someone who could actually help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
When SPS responded to the last complaint I sent on the XXXX, they sent the same exact response as their response for the complaint on the XXXX. They did not explain why one of their representatives ( XXXX ) misinformed me about my right to have a forbearance. I understand why I couldnt get a forbearance in the past and dont need to see the same information over and over again. Just directly answer the questions I raise in my complaint. I have contacted an attorney and he told me that every American has the right to a forbearance no matter the delinquency. Also, SPS is telling people to call my house everyday telling me I have to move. Especially a woman named XXXX XXXX. I am going to complain to Washington XXXX directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sent 2 money order 's to pay my bill and on time Macy 's cash the money order 's and NEVER GAVE CREDIT TO MY ACCOUNT. I HAD TO MAKE AN EXTRA PAYMENT SO MY BILL WOULD NOT BE LATE ON THE XXXX OF XXXX THEN I PAID {$30.00} TO HAVE THE MONEY ORDER 'S REVIEWED TO SHOW TO WHOM.

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Back in XX/XX/XXXX I applied for forbearance due to Covid-19 and my husband and I were unemployed, were forced to close down our business. We were collecting unemployment which was not enough to cover all the bills. during this covid time, I was diagnosed with XXXX XXXX and went through XXXX and treatment. My forbearance ended on XX/XX/XXXX, My husband and I are back to work and doing very well financially and have saved up {$50000.00}. I applied for loan modification, and advised them I Have {$50000.00} to pay towards the past due amount and if they give me some kind of plan for the remaining. I was denied, I applied for repayment plan, was denied, I applied for deferment, was denied. Basically, I was not given any options besides, pay back payments in full or we foreclose. 
If they were not planning on offering any assistance, they should of not approved the forbearance and said you don't qualify. Now I have a past due of {$97000.00} and they want all of it at once. No plan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called Capital One and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: DISCOVER BANK
State: TX

Complaint narrative:
Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 Discover - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and two weeks ago I got a notice from a collection agency saying i owe XXXX money for a bill for XX/XX/2021. The issue is I was not on XXXX service or network. My contract was over with them in XX/XX/2021 and the lease was formally paid off in that same month ( I still have the receipt that says " Lease termination with purchase " and that the Leasing charge for end of Lease ). I also have another receipt with the last payment for XXXX. I also called to follow up with XXXX around that same time and one of the store reps even said I owe the company nothing. 

Just today on XXXX I tried calling the debt service twice and didn't get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MD

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
When Covid hit, my wife and I were both laid off. We signed up for the forbearance program offered by our Mortgage company, Specialized Loan Servicing. 
We're both full employed now, and have been making regular payments, however, Specialized Loan will not modify our loan. They want {$40000.00} or else they're threatening foreclosure. We clearly don't have {$40000.00} or else we would've made the regular payments all along. Additionally, they marked our credit as delinquent. This caused my credit score to drop XXXX points over night, this 'mark ' prevents me from refinancing. Interestingly, they downgraded my credit a week prior to rejecting our application for assistance. 
We can easily afford our home of 15 years, and Specialized loan continues to cash our payments. 
I'm looking for help with this situation, as I'm sure we're not the only people in this predicament. 

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2022-01-27 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: MD

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2022-01-27 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: TX

Complaint narrative:
I am writing due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-01-27 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: NY

Complaint narrative:
XXXX XXXX Put a card credit inquiry on my experience credit site. Its not down by me. Its hurts my credit score.

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 2022-01-27 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE OF NOR HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I no longer have a PayPal account, but received this email in my spam folder : From : " Billing Details! '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : Pay-id XXXX..!! 
Date : XX/XX/2022 XXXX PM PayPal Hello XXXX, XX/XX/2022 XXXX PM Transaction ID : XXXX # XXXX XXXX It may take a several minutes for this transaction to show up in your account history. 

Seller Instructions to seller XXXX You haven't entered any instructions. 


Shipping address - confirmed Shipping details XXXX XXXX XXXX XXXX The seller hasn't provided any shipping details yet. 
AK XXXX United States XXXXnformation Qty. Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD XXXX x XXXX XXXX # # # XXXX # # XXXX Shipping and handling XXXX USD Insurance- not offered Total XXXX USD payment {$4200.00} USD sent to XXXX Receipt ID : XXXX Problems with this transaction? 
You have 45 days from the date of the purchase to issue a dispute in the Resolution Center -- XXXX XXXX XXXX XXXX Please Not try to reply to this message. automat'Ne notification system can't accept incoming messages. For immediate answers to your issues, visit our Help Center by clickinglielo located on any PayPal page. 

PayPalXXXX

Company response to consumer: Closed with explanation