vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I called Navient on XXXX XX/XX/2021 to speak with them about a reduced payment for my private student XXXX loans. I am currently out of work except for XXXX XXXX work due to COVID. I have a XXXX  and an XXXX, so finding a full-time position is not easy. Companies are actively discriminating against older, experienced workers with high levels of education - and especially those, like me, with what are called " XXXX ''. 

I offered to pay Navient {$200.00} a month on my loans, but after speaking with several layers of supervisors they would not allow to me to pay {$200.00} ( until I find new employment ) and insisted that I sign forms to commit to paying {$440.00} each month for 6 months. 

Since I do not know when I will be able to find gainful employment, committing to such a payment right now may make me homeless. I do not have the resources to commit to that level of payment until I find a new position. 

Throughout the pandemic, Navient has been a complete pain while accruing high interest and insisting that I pay fees when I sign up for forbearance. Navient is a criminal evil company. 

For this complaint I am looking for the following actions : 1. I want Navient to stop torturing US citizens with their financial terms nonsense, especially during a pandemic when millions of Americans have lost jobs and when employee rights are being violated.

2. I want Navient to be forced to accept whatever payments I can afford until my employment situation stabilizes.

3. I want Navient removed from being able to offer student loans to US students. Navient is a criminal enterprise that has no empathy for people with XXXX or hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Some hacked my Coinbase account. They stole almost all my assets and transferred XXXX $ out of my bank. There is also a pending {$1000.00} transaction that Coinbase says they are going to sell my assets to pay for that XXXX . Coinbase had done nothing to fix these problems. I feel like Coinbase is a scam in it self to steel my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I received a letter from a third party debt collector, XXXX XXXX XXXX XXXX in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to PayPal , Inc . 

I use my PayPal regularly and neither my regular PayPal nor my PayPal credit account show any balance owed or past due.

The letter claims that PayPal will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to PayPal 's security team as well. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems LLC is trying to collect a fraudulent ( never existed ) debt of XXXX. 

Some months ago I received a letter from a company called " XXXX '', I believe they claimed that they were based in Minnesota. They claimed that I owed a debt of over {$2100.00} from a XXXX transaction. I had NO recollection of ANY unpaid debts, and so I contacted XXXX, which said that no such transaction had ever existed in all their years of records for my ( long unused ) account with XXXX. 

XXXX repeatedly called me. After repeatedly telling the callers that XXXX had confirmed there is no such debt as the one claimed they still persisted. 

XXXX sent me a letter ( from Illinois ) claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule. I believe that they said they were part of " Jefferson Capital '' On XX/XX/2021 I received a notice in the mail from " Jefferson Capital '' claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
Equifax messed up my credit report on XX/XX/XXXX. On XX/XX/XXXX there was a glitch in their reporting causing ALL of my 7 revolving accounts to not show reporting since XX/XX/XXXX and I use them every single month. My score dropped from XXXX points on XX/XX/XXXX with no reason. I have 0 utilization rate, and no new negative remarks. I opened up a case with Equifax in XXXX but am unable to get a hold of anyone on the phone because the verification doesn't work for my account. They mentioned the issue should automatically be resolved within a month from me opening my ticket. 

It's impossible to get someone on the phone because I always fail verification because they always ask me questions that aren't related to my credit profile. 

It is a 100 % glitch on their system and they confirmed the issue but nothing has been resolved. 

I have XXXX collections and XXXX public records. My score was XXXX prior to the glitch My case number that they already opened was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I filed a complaint ( XXXX ) against Select Portfolio Servicing inc. See complaint and their response. I had request for them to give me a letter showing that I was current since they will not give it to the insurance company and my insurance was going to get canceled. They said no to me as well. They did not want to give anything show that I reinstated my mortgage including a receipt. So my insurance was canceled and they stated the were going to add an insurance at my cost. When my insurance was canceled because of their actions. They also request that the remainder of the insurance refund be sent to them by my insurance company and not me. Did SPS add an insurance and charge me for it? What did they do with my insurance refund? They are also not very transparent when it comes to my account. My insurance now is about {$500.00} more a month for the same coverage I had prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Agency contacted both my ( XXXX ) and my mother 's ( XXXX ) cellphone advising that there was a legal case against me ( case # XXXX ) but could not provide a specific court where the case would be heard. They advised the plaintiff was Best Buy Inc ( whom I've contacted and Best Buy Inc has no record of any transaction ) for " breach of contract '' among other things. I requested an email with supporting documentation, which I received but does not appear to be legal documentation for a court case ( I am happy to provide if necessary ). The transaction in the amount of XXXX does not appear on my credit report through XXXX. The agency ( XXXXXXXX XXXX ) web address provided appears to be " under maintenance ''. The agency called from XXXX and used a secure email to send the documentation ( 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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Transunion and XXXX several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MO

Complaint narrative:
Franklin Collection Service is trying to collect a debt that I don't owe. I have submitted a dispute to through the Credit Bureaus. I have not received any correspondences from this collection agency prior to this being put on my credit report. The previous collection agency that had this account removed it from the all the credit bureaus. I have repeated stated that I have never had an account with XXXX XXXX but they continue to send this false information to the credit bureaus ruining my credit score. The collection agency is Franklin Collection Service, XXXX XXXX XXXX XXXX, XXXX, MS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
There were multiple transactions on my savings account. On XX/XX/XXXX there were three transfers to XXXXXXXX XXXX  transfer. On XX/XX/XXXX there were 4 transactions between capital on and trial cr. All these transactions were cents. On XX/XX/XXXX 3 transactions for cents - 2 were to trial cr and one was to XXXXXXXX XXXXl trial. Reported to bank vis phone on XX/XX/XXXX. Attempted to freeze accounts they said they couldnt do it over the phone. Later that day {$22000.00} was transferred to XXXX XXXX 

Also had trouble with my checkings account. On XX/XX/XXXX a fake personal check was uploaded for the amount of {$1900.00} to a XXXX XXXX. On XX/XX/XXXX a fake check for the amount of {$850.00} was cashed for a XXXX XXXX XXXX. And on XX/XX/XXXX a fake personal check for the amount of XXXX was cashed from a XXXX XXXX XXXX. All checks appear to have the same signature on the back.

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 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My COVID-19 forbearance plan expiration is near, so I inquired the workout options available. I was requested to submit a loan assistance application for review, but the only options available are deed in lieu and sale of property. My intention to enter a forbearance plan was due to the fact that tenants residing at the subject property had been unemployed, unable to pay rent. This situation affects my ability to make mortgage payments. Without rental income throughout the forbearance period, a reinstatement or a repayment plan for the missed payments during forbearance is near impossible. 
Tenants are now able to make rent payments regularly, but payment deferral is not an option offered by SLS.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Equifax several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX XXXX Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Their investigation did not fix an error on your report
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/21, I gave my Capital One credit card and drivers license to the bartender for a running open tab. I had two legitimate charges for {$390.00} and {$1500.00} but found out a few weeks later the bartender had also run my card for {$3000.00} and again for {$7500.00} without my knowledge. These were not my charges and need to be removed from my bill. I have been dealing with Capital One the entire summer, first being told to submit to Visa as a dispute, then as fraud, then back to dispute. When the actual signed receipt for these two disputed charges was finally submitted by the merchant, you can clearly see it is not my signature, but since the merchant included a copy of my drivers license and credit card, Visa somehow considers it them legitimate charges and refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I LEASED A XXXX  XXXX XXXX THROUGH SOUTHEAST TOYOTA FINANCE ( SETF ). AT LEASE END SETF REFUSED TO PERFORM THE REQUIRED INSPECTION AT MY HOME DUE TO XXXX AND REPEATEDLY REFUSED MY REQUESTS TO BE PRESENT AT THE INSPECTION. THE INSPECTION WAS THOROUGHLY UNSATISFACTORY. I DOCUMENTED THESE PROBLEMS, BUT SETF REPEATEDLY IGNORED THE CONTENT OF MY LETTERS. I AM ATTACHING FIVE DOCUMENTS WHICH DETAIL THE INCOMPETENCE OF THE INSPECTION AND OTHER ASPECTS OF THEIR DEPLORABLE BUSINESS PRACTICES. I PAID THE CHARGES I BELIEVED WERE JUSTIFIED. SETF RESPONDED BY CONTINUING TO BILL FOR THE UNSATISFACTORY CHARGES WHILE NEVER ADDRESSING THE SPECIFIC INSPECTION REPORT ERRORS. SETF FINALLY DECIDED TO CHARGE OFF THE DISPUTED CHARGES, BUT DID IT IN A WAY WHICH DAMAGED MY AND MY WIFE XXXX 'S CREDIT RATING. THEIR INCOMPETENCE AND UNFAIR BUSINESS PRACTICES SHOULD NOT BE PERMITTED TO DAMAGE MY CREDIT RATING. I BELIEVE I FULLY AND FAIRLY MET MY OBLIGATIONS TO THEM AS I HAD DONE WITH THREE PRIOR LEASES WITH THEM. THEY RESPONDED BY IGNORING ME AND DAMAGING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
Covid 19 pandemic caused me and my spouse to be unemployed.our unemployment awaited approval inXX/XX/XXXX and XX/XX/XXXX due to conviental loan under mandate I had no help like the Fha loans got forbearance all Vanderbilt mortgage offered was forcloser if I didn't get XXXX doll.i asked them for assistance in the sell if my home in XX/XX/XXXX.i had serious buyer.in a recorded conversation they didn't offer me any assistance with sell or forbearance.i come up with assistant bring loanto current in XX/XX/XXXX. Then in XXXX I find more help XXXX  I need Vanderbilt to sign a paper that XXXX  needs to help with mortgage I call leave messages send emails telling them I got to have this paper.finally Vanderbuilt replays after I complain to XXXX  on them for it giving me the paper.i get it call XXXX  and they say too late they ended program and can't help me now but new program opening I qualify for. Vanderbuilt won't return call emails again have a buyer Vanderbilt mortgage says they won't stop forcloser and sell my home.iamXXXX inhospitl trying to not XXXX XXXX XXXXi can't afford lawyer don't know what to do. Vanderbuilt signed paper from XXXX saying they won't foreclose after revicivibg money for mortgage but they did.

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 2021-09-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company has been reached out to on many previous occasions in regards to reporting unverified information. I requested an investigation and have yet to be notified nor have I received a response.

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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reported a valid fraudulent charge claim to SunTrust Bank on XXXX immediately after being notified about charges and declined a {$12000.00} charge by text alert. 

I reported the 3 charges totaling {$7500.00} that were completed, but the claim was denied to unexplained inconsistencies ( despite supplying a police report. 

The XXXX XXXX sheriffs office told me that SunTrust also rejected paying the merchant due to dial g to verify ID, effectively stealing {$7500.00} from me. 

I was given a rebuttal form and told that the remedy could take 45 days. This is absolutely unacceptable.

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