vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: C/C Financial
State: OH

Complaint narrative:
I got approved for a {$900.00} credit line thru Preferred Lease while I was shopping aXXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2021. My phone number for the account was XXXX ). My address for the account is XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I purchased a pillow top mattress set on XX/XX/2021 for {$430.00} without tax. The store owner told me that they would send me the mattress set and set it up on XX/XX/2021 at no cost to me. For some reason they called me around XXXX XXXX  on XX/XX/2021 offering to deliver it that night. The delivery went fine expect that the mattress was wrong and I needed them to send me the one I ordered I called them on XX/XX/2021 and spoke to the female receptionist at the store phone number XXXX who stated that they would not refund me even though they sent me the wrong mattress. The thing is I did not sign any documentation for the mattress when it was delivered. They have no proof that I had received the right items during the delivery specifically the type of mattress that I ordered and that were supposed to deliver. 

I ended up calling the Preferred Lease ( credit line provider XXXX customer service between XX/XX/2021 and XX/XX/2021 attempting to resolve the situation. The representatives in their customer service department did not seem willing to assist me with anything. I wasted a lot of time arguing with them. I explained that I intended to send supporting documentation and they refused to let me. I eventually ended up talking to someone I thought was very helpful. At first they told me that they'd have a regional manager reach out to the store and resolve the situation on XX/XX/2021. When I called back on XX/XX/2021 after waiting about a week, after their customer service told me to wait 48hrs for the regional manager to get back to me, they said that they couldn't do anything for me since, I quote " they said that they gave you the right mattress so there's nothing we have to do. '' At that point I ended up just paying the full amount because they " informed '' me that they would put the account in collections along with extra fees if I did not pay. I have clear evidence that the mattress set is not legitimate. They gave me a random mattress that's value is unknown and could be used or valued less than the mattress set I selected and purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: IN

Complaint narrative:
I have been a XXXX XXXXXXXX in Indiana for XXXX years. I have been making payments on my loans with FedLoan Servicing ( www.myfedloan.org ) for most of that time, with some period of time deferred because I went to complete a XXXX XXXX XXXX so it can assist me with my profession and improve services to the public. 

After completing my XXXX XXXX program, my deferment period was misrepresented to me by the servicer which resulted in damages to my credit. Additionally when I began to inquire about how many payments I have made towards my XXXX  ( XXXX XXXX XXXX XXXX ) program, the agent laughed at me stating I still had another 10 years of payments to make. He stated that I was either in the wrong repayment plan, or some other convoluted explanation. I spoke with several reps even after they damaged my credit for non-payment during what I assumed was a grace period because I had an extra semester of classes to complete. Since I wasn't " Full time '' they tell me after-the-fact that this occurred and I was penalized for non-payment when I assumed it was deferred since I was still in classes for my master 's program. I disputed it with the credit bureaus and it took them ( fed loan ) nearly 12 months to respond, and the end result was the same and the damage to my credit remained for 7 years. It has finally dropped off my history and I have excellent credit again, but it was 7 years of XXXX. On top of being lied to, laughed at, and now looking at my repayment plan, I now see that I still have MANY YEARS of repayment left on my loans to qualify for forgiveness. When you figure in their deceptive " capitalized interest during forbearance '' practices or the fact that my repayment plan allocates the whole payment towards interest, my principal balance remains relatively unchanged in 16 years. 

XXXX 


These companies have evolved into financial GIANTS for a reason. It wasn't because of their honest practices. Now I am just making XXXX  payments to corporate executives. We all are. 


Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: WA

Complaint narrative:
The XXXX XXXX XXXX, which put into law the suspension on federal studen loan payments and interest, was enacted in XX/XX/XXXX, and is still in effect. According to federal law, during the payment suspension period, the Department of Education and its loan servicers were required to report each month of suspended payments to credit bureaus as if it were a regularly scheduled payment made by a borrower. This suspension should have not have resulted in the negative impact on student borrowers ' credit scores. And yet I have evidence that AES/PHEAA has in fact reported my missing payments since XX/XX/XXXX as " past due '' to the credit bureaus, thus misreporting my student loan payment status, and tanked my credit score. I paid my student loans on an income-sensitive repayment plan, in full, on time, since the pandemic started but needed some financial relief beginning in XX/XX/XXXX when I lost a significant amount of unemployment relief. AES/PHEAA was aware of this, when I reapplied for an income-sensitive repayment, and raised my payment amount. I was unable to make those payments. I have recently been able to pay them some money towards my " outstanding balance, '' in an effort to raise my credit score back to where it belongs and where it should have been if AES/PHEAA had not, either mistakenly or deliberately, misreported my student loan payment status to the credit bureau. It is heinous that keeps happening to student borrowers, but especially during a pandemic and financial crisis where people are still suffering significantly from a year of reduced income, unemployment, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MD

Complaint narrative:
The week on or before XX/XX/2021, I contacted Sallie Mae , Inc., to discuss payment arrangements. I spoke to a lady name XXXX. During the initial call, she asked for my address, which I provided her with my current address as I recently moved. She then asked for my address on file, which is my mothers residence. Subsequently, she verbally said when I call to use that address on file. ( all calls are recorded so this escalation should be able to retrieve ). 

XXXX informed me that my account was almost 60 days late, which I expressed I was having troubles making payments due to my mother losing her job due to COVID-19. I assumed all financial duties to ensure the house was up-to-par and dire bills were paid. Then, XXXX advised I had a few more days to make a payment before it reflected on my credit reports. I agreed with the payments and provided her with my debit card. I also advised that all banking information was connected to my current address and not my previous address. On the day of extraction, no monies came out. I assumed it was a delay. A few days later, I called to inquire and was advised that my payment was not processed because of incorrect address. 

This has now been reflected on my credit report and has caused me to lose over 100 points. I am in the middle of buying my home and have had to pause with my lender because my credit has been negatively impacted. When I did call back, I had the representative extract the monies out the same day as the money was in the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX &XXXX & Trans Union were all supposed to send free credit reports to me! XXXX sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! The Letter was opened by another person in my family who has the same last name as me! Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do!

For a lot of reasons!

For other people - it could have been a lot worse! XXXX & Trans Unionreports have still NOT arrived!

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  & Experian & XXXX XXXX were all supposed to send free credit reports to me!

XXXX sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE!

The Letter was opened by another person in my family who has the same last name as me!

Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do!

For a lot of reasons!

For other people - it could have been a lot worse!

Experian & XXXX XXXXreports have still NOT arrived!

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 2021-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I feel I am being discriminated against due to my zip code and numerous complaints I have made regarding this process with PNC bank. My phone calls are not being returned. I am continually asked for the same documents I have submitted two and three times. I have filed internal complaints. There has been no resolution. I do not receive any communication regarding my Refi unless I reach out to the call center. The only way I know where I am along the process is I call every three weeks and wait on the phone anywhere from 1-2 hours. I started this process in XXXX of 2021, and it is now XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX were all supposed to send free credit reports to me! 
Equifax sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! 
The Letter was opened by another person in my family who has the same last name as me! 
Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do! 
For a lot of reasons! 
For other people - it could have been a lot worse! 
XXXX XXXX XXXX XXXXreports have still NOT arrived!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: The CMI Group, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
unauthorized use of 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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
According to my background check it shows that I lived in Missiouri. I believe that much of my debt was occurred by whomever said I lived in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal FCU closed my previous credit card with a limit of {$17000.00} in 2018. There were missed payments that I didn't not agree with. I tried to resolve this but have gotten no where. This has caused me to get turned away from mortgage lenders as I have been eagerly trying to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Continental Finance Company, LLC
State: IL

Complaint narrative:
Account # XXXX - XXXX XXXX/Continental Finance On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX/Continental Finance has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX Alert reflecting that the amount was taken from my checking account. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX and was told that XXXX XXXXContinental Finance has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. XXXX  has updated this account has paid on my credit report. I would like for the XXXX XXXXContinental Finance to request removal from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, XXXX XXXX Letter , & Police Report from the fire is attached.

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 2021-07-10 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: NJ

Complaint narrative:
On XX/XX/XXXX I sent TransUnion a formal complaint about inaccurate and incomplete information on my credit report. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be verified or removed immediately. XXXX? XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX. On XX/XX/XXXX I sent a demand to comply letter letting them know their failure to respond in a timely manner. They have not complied with the law.

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 2021-07-10 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I was unable to receive funds from my family using Cash App. I contacted Cash App they claimed I needed to verify my identity, mind you I had the Cash App for months already and used with no problems. They sent me a link instructing me to send my DL front and back and including a picture of me holding my license ( odd? ), but I did it. They told me it would take 10 days. I've verified with my other " cash app '' types, it took 1 - 3 days. I contacted Cash App XX/XX/XXXX talking to 2 reps at the same time. 1 via the cash app app, 1 via XXXX cash app. 1 rep continued to say they're working on it, while the other said I have to send my license again ( talking to them at the same time ). I feel I am being toyed with and I don't want to send it again and why wouldn't they both say that if that's the case. 1. I'm worried of where I sent my information to, 2 still unable to use the Cash App app, 3 someone is lying and playing games. 
My Case # XXXX Here 's the link they had me send my credentials to. 
https : XXXX. 
Please check the link validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2021 US Bank Locked my account several fraud speacilist and bankers have tried to remove the fraud alert and give me access to my account but everything has failed!

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