vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 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: AL

Complaint narrative:
I applied for a {$12000.00} student loan in XXXX/XXXX  to attend XXXX XXXX University-XXXX, Ga with SallieMae. When I signed for this student loan, I wasnt told that this was credit base and that there was different stipulations but that it was a federal student loan to help cover school expenses. On XX/XX/XXXX, it was transferred to Navient. I have been repaying this loan since XX/XX/XXXX without any breaks in payments and due to this variable interest rate, it has become challenging to pay this loan off. I cant refinance the loan because of my credit and I'm exhausted of attempts to refinance my loan to get a fixed rate. The balance of my loan is over $ 24K and if I have been paying on this loan since XXXX, the loan should not still be astronomical if it originated at $ XXXX. My loan has accrued at least $ XXXX of interest and it still increasing. I have spoke with Navient about forgiving my loan but there are no alternatives. I asked about forgiveness of my loan, refinancing my loan for a fixed rate and I was educated that there is no loan forgiveness for private loans and that Navient doesn't offer refinancing options for Private loans. If I was educated back in XXXX/XXXX, I would have never signed for this loan. So I'm out of options. I need some help on refinancing my private loan and I need my account researched to see if the interest was calculated accurately. I feel that my balance should be lower than it's current amount. 

Since I left XXXX XXXX University-XXXX, GA, I have accomplished XXXX  ( XXXX  ) XXXX, XXXX ( XXXX  ) XXXX  and XXXX  ( XXXX  ) XXXX  degrees from XXXX -XXXX. I have accumulated over $ 200k in student loans just to find an eligible job that will pay a decent salary. I had to defer my {$1000.00} payments to pay down other debt just to have the ability to refinance my student loan and that is taking some time. So I need all the help. I am covered in student loan debt. 

Please help me. What are my alternatives?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On the XXXX of XXXX, 2020, at XXXX, I spoke with a Citi Bank credit card Supervisor- ID number either XXXX or XXXX, named XXXX. The topic of the call regarded my Citi bank double Cash personal Credit card, which carried a XXXX Balance. The card had closed down. It was brought to my attention that I had not made any purchases with the credit for 24 months. I received an email notification stating Action being required on XX/XX/XXXX. The email also mentioned that my account had been closed for the same reason ( dormant activity ). Within my online banking there Within the statement/documents section was only 1 Letter of closure was sent to me on the XXXX, stating the account was closed. XXXX said a letter was sent on XXXX 2020, by mail, informing me that the account had been closed. XXXX confirmed that zero letters were sent to me prior to the letter she claims was sent out XX/XX/2020. XXXX also mentioned the there was no timeframe to call back If I wanted to submit to reinstate my account to be reopened. Of course that meant running my credit again, which I shared no interest for. My consumer rights within the Citi bank policy grant me 2 letters of revert which state 2 letters will be sent to the customer, asking them to revert, if they wish, the account will remain open, to take action revert PRIOR to card closure. I was never sent a letter to revert in the mail. My address was current and clearly I never received and alerts of letters within my online banking nor any emails about the reverting of my account prior to closure. 
XXXX stated, she could not comment on the policies, when I read my rights, which were written by Citi Bank, to her. 

Here what I have an issue with : Error 1 ) they gave me 5 days from the XXXX, to address the account was closed on the ( 1st notification on the XXXX by email ) Error 2 ) I never received the 2 notification Letters prior to closing ( rule # 7 in document attached ) Error 3 ) XXXX stated I have any time to call back to reinstate which is false according to Citi Bank rules of 30 days. 

My credit score was negatively impacted once the Citi Bank with perfect payment history of 3 years, was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Consumer Adjustment Corp USA
State: NC

Complaint narrative:
Account removed from my credit report that should be still reporting. Removal of this account had a negative impact on my credit score and worthiness as this account was paid on time and in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XX/XX/2017 billing statement i received a notification from XXXX XXXX  that my credit score had gone down quite a bit. it was showing i had a XXXX missed payment from capital one. After looking at my account there was a charge for interest that i was never notified about. I did not receive a bill in the mail an email nothing. I had thought up to this point the balance was XXXX out or close to it. After reaching out to capital one they said they have no where in their policy that states that they have to reach out to tell you when a bill is due. I find this to be very deceiving and a terrible practice that i have not had a problem with from any of my other 7 credit card companies. I have submitted several complaints and will not stop until this matter is fixed to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. 
I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Portfolio Recovery Associates LLC to request validation of debts they claim I owe. $ XXXX $ XXXX $ XXXX {$910.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They not only failed to provide me with validation, they didn't respond to me at all and continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TN

Complaint narrative:
This complaint involves XXXX  ; XXXX  and TransUnion credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TN

Complaint narrative:
This complaint involves Equifax ; XXXX  and XXXX  credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by Nation Star Mortgage ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX Mortgage acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: GA

Complaint narrative:
Equifax continues to report an incorrect Utah address on my credit report. I've submitted disputes and complaints with Equifax and the CFPB, Equifax will remove the address for a few months, but then add it back later. I'm constantly having to monitor my credit report because they consistently pull incorrect information. They have my info mixed with someone else and are incapable of fixing the problem. They have all of my other addresses in XXXX, I've never lived in XXXX. This has been an ongoing issue for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hello I tried to link my bank accounts to a budget app and pnc in blocking my acess. My account is not in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I wish to add to my complaint # XXXX, to which the bank answered it will research it and get back to me within 10 days. Which it did. So now begins my new compaint : 1. The bank 's new answer was they were going on with their research. This time, there was no deadline mentioned. Meaning they could research as long as they saw fit, while I have no access to my funds in these Corona days. 
2. About the transfer order I faxed the bank and they refused to execute ( see original complaint ) - since they have my signature, what's there to research? 
3. About not ID-ing me online - there are ways to ID a customer who's overseas. Here too there's no reason for indefinite " research ''. 
4. I suggested the bank write me at the adress they have on file and detail their problem. It never happened. 
5. Remembering this is the bank that opened XXXX XXXX ( or was it XXXX? ) unauthorized accounts, I hope we all wouldn't wake up one morning finding out there are millions of bank customers in my situation, their funds frozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Called PNC to connect my bank account to XXXX through XXXX and was told couldnt do it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase using my Citibank XXXX XXXX XXXX  for a trip to XXXX. Due to Covid-19, this trip was canceled and XXXX  advised I would be refunded. After waiting over month to receive my money by Citibank, I finally received my funds transferred to my bank account. Two weeks later, I now logged into my Citibank account and they are DOUBLE charging me back for the refund!!! When I called them, a representative tells me it's a security issue. I said how is it a security issue? It's a double charge by the bank for the refund amount. He says, I need to transfer you and said that i would not have to " repeat myself '', he will let the representative know what is going on. I ' then transferred to online support who says he doesn't know who I am and wasn't aware why I was calling and then would transfer me back to customer service of which the call was disconnected!! Why are they double charging me for something that was refunded back to me by XXXX XXXX. This is the worst service I have ever had by a bank and demand this be credited back as now my credit is showing I have an unpaid balance due of {$2400.00}!! 

I called back and spoke with XXXX ( XXXX ID XXXX ) who seem to have better knowledge of this. She advised that she will send a request to the refund department to investigate as to why I was charged twice. She advised there is nothing further I need to do as of now. 

I have attached screenshots of my current balance with duplicate charges issued by Citibank ; The XXXX statement clearly showing my refund issued by XXXX XXXX and credit balance on the account, Citibank 's correspondence dated XX/XX/2020 issuing me the credit refund of {$2900.00}, and Citibank 's correspondence dated XX/XX/2020 stating that my credit balance remaining is due to unresolved disputes and once resolved, the conditional credits issued with be refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I purchased my home on XXXX XXXX through XXXX XXXX  in XXXX XXXX. I fully funded as a part of closing my escrow account to cover property taxes for 2019, which were approximately {$9000.00}. XXXX XXXX  paid these property taxes. Shortly after the sale, XXXX XXXX  sold my mortgage to Freedom Mortgage, based in New Jersey. Freedom Mortgage then proceeded to also pay my property taxes, in effect paying my 2019 property taxes twice. Freedom mortgage, without informing me, then increased my monthly mortgage payment from around {$2800.00} a month, to {$3600.00} per month to cover what they said was an unexpected deficit in my escrow account. Theyve admitted to me that this deficit is due to the mistake they made in double paying my mortgage, but have been unwilling to lower my mortgage payment to the regular level until they recoup their overpayment from XXXX XXXX county. I believe I am being taken advantage of. They made the mistake, yet I am having to pay an additional {$750.00} per month because of a mistake they made. I want to know what my rights are and if theyve violated the law, I would like financial penalties imposed on them to compensate me for the time, stress, and worry this has caused me, not to mention a much higher payment which has put tremendous strain on my finances during the Covid 19 crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported on XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Macys and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I would like to link my XXXX account with PNC and it appears that the bank is not allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated and showed that I paid the final payment of my lease on XX/XX/XXXX. The lease was paid in full. Ally has failed to show any evidence to the contrary. In addition, they stated they made a charge of in the amount of {$3400.00} yet the lease was finished and the vehicle returned. 
This is completely incorrect.

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