vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I submitted a complaint to the CFPB in XX/XX/XXXX and Citizens/Charter which is coincidence because my aunt before her passing used to do business with Charter bank. XXXX XXXX XXXX and XXXX XXXX. I requested a total and permanent XXXX discharge and the company agreed. They were suppose to send a 1099 at the end of XXXX requested a XXXX in XX/XX/XXXX. In the complaint the company said it was a shiff in bank policy but did not indicate what the XXXX was. Id like to know my rights and get the debt discharged under total and permanent XXXX so It doesn't come back up. However she did indicate that they were in XXXX status but didn't elaborate what my options were. Old loan with previous lenders such as Chase bank have surfaced and their is a discrepency if they were federal loans or private. Gross privacy violations are associated with both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
I have had multiple accounts with Netspend for many years, and my most recent account for almost two years. I filed a dispute with Netspend over a {$36.00} charge through XXXX on XX/XX/2020 for a charge paid out for no delivery. The dispute was investigated and closed without Netspend contacting me. I called and emailed Netspend on XX/XX/2020 to re-open the dispute because no one contacted me regarding the response, or to provide me with the follow-up documents from XXXX for me to respond to. I requested a manager call-back to speak with someone about the dispute, and was told the request would be escalated and someone would call me within 24-48 hours. I never received a call back. On XX/XX/2020, I received a text message that I needed to contact Customer Service about an issue with my account. When I called them a few moments later, I was told that Netspend had closed my account without contacting me, with over {$3000.00} of my money tied up in my account without a way to access my funds. I have made multiple calls, was told multiple times that someone would send a follow-up and escalate, and each time told it would take 24-48 hours for a call back. I was also told that someone tried to call me and that they had left messages, but my call records show that no call was made to contact me and no voice messages were received. The company is refusing to open my account for me to withdraw my money, or to contact me back. Since this account is my primary account and all of my funds are tied to this account, I have had no access to my money, and the company is refusing to allow me to withdraw, access, or transfer my money to a different account which is now causing financial hardship by the inability to pay bills, rent, or purchase fuel for my vehicle to even get to work. When I try to call them, I get hung up on, transferred back to a queue, or refused any action to resolve the issues. I am at risk of losing my job for not being able to get to work, and of being evicted for not being able to pay my rent. I want resolution, and I want my money.

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 2020-11-28 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: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2020-11-28 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX  has totally XXXX up my accounts attach is a correct credit file from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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 2020-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to make a {$1100.00} transfer to my grandson using PayPal. In order for the transaction to be completed, he needed to access his PayPal account. When he attempted to access his PayPal account, it opened to the following message - " We noticed some unusual activity ''. Activities for the account was then locked, except for PayPal 's process to " secure '' the account. The secure process required three pieces of information. One, the users email address on file when the Pay Pal account was opened, two, the account users cell phone number on file with Pay Pal, and three, the account users credit card number on file with PayPal. The problem arose because two of the three required pieces of information were not current i.e., the cell phone number on file was from a previous phone that had been long ago disconnected and the email on file had not been used for a long period of time and hence cancelled by XXXX. When the " secure process '' was attempted using the credit card number, the card number checked out, but the secure process required additional steps that required the phone number and/or the email address. Once input, a text or email would have been sent to the disconnected cell or deactivated email account to unlock the PayPal account. Since this was not possible and the transaction could not be completed with my Grandson, PayPal was holding the money. I contacted PayPal using the phone number they provided. I was referred back to the website account by a machine. No human contact can be made. I then filed a dispute. The dispute was denied because " the transaction was processed correctly ''. I again filed a follow-up dispute emphasizing that the transaction was processed, but could not be completed, again I was denied. I then sent a letter and was again denied on the same grounds. The money is in my Grandson 's account of which he can not get into as a result of the discontinued email and cell phone number and we can't talk to anyone to help him reactivate his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28 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: NY

Complaint narrative:
Upon review of my credit report ( Equifax ), I discovered there is more than one account incorrect account balances. My records show that I have two accounts with this company the account numbers are XXXX and XXXX Account number XXXX is reporting 4x and according to the Fair Debt Collection Practices Act its illegal to report the same tradeline 4x. I disputed with Equifax on XX/XX/2020 about tradelines with XXXX who are on my credit report reporting 4x for the same account with the same account number. On XX/XX/2020 I received a dispute notification from Equifax and the same information is still reporting on my Equifax report. All 4 tradelines are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at WESTLAKE FINANCIAL SERVICE . 

This letter is in reference to a NO DATA PAYMENT with the account number XXXX. XX/XX/2020 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the no data payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a no data payment on my credit file. I am hoping that your organization will consider removing this NO DATA PAYMENT from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, 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 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
his company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2100.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

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 2020-11-28 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been trying to get Navient removed from my XXXX and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want Navient to remove both loans from my XX/XX/XXXX and XX/XX/XXXX Credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: NY

Complaint narrative:
I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.

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 2020-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX email was received from XXXX to our Realtor stating that the CD sent was not Final but we need to sign in order to close on time. This was again expressed in a phone conversation with XXXX. We asked our real estate agent to assist due to the fact that XXXX or his assistant were not explaining things to us and were really hard to get a hold of. In which he followed up with the email dated XX/XX/2020 with a recap to us XXXX and the builder. I believe this was a great opportunity for XXXX to reach out if by any chance this info was incorrect. On the day of closing, we were put in a difficult cituation when we saw the amount was not {$9300.00} as previously thought and collaborated via phone by XXXX XXXX days earlier. We did not want to close to the point we left the title company after a phone conversation with our Real Estate Agent and taking into consideration that the builder had XXXX in escrow and that we had already given notice that we will be leaving our current residence we had no choice only to proceed with the transaction. All that we are asking is that the lender keeps his word and refund us the difference of what we got. Yes, disclosure where signed but XXXX told us there was a 3 day waiting period and the need to be signed that way to close on time but those were not the final ones. We feel we were misled and we are owed the amount promised via phone.

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 2020-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I borrowed {$27000.00} now I own {$110000.00} ( interest rate 8.250 % ) and another loan i borrowed XXXX and i own XXXX ( interest rate 4.75 % ). This has destroyed my life even with minimal payment my balance keeps going up and up. It is literary uncontrollable. They forced me to accept lower interest rate payment plans multiple times ( b/c i can not afford to make full payment ) and i was happy to accept because i was able to afford the low interest loan payments. However, with the lower interest payments, it actually increases my total loan. And this was not explained to me properly. It feels like i am getting rubbed. The interest rate on the loan is high and the payment is unaffordable so they give me a lower payment options but the total amount goes up. I am not even sure how this is legal. I went to school and coming from am immigrant family and low income i was not able to get a lower interest rate student loads so I was forced to accept higher interest rate student loan. This is not fair. The poor even if they work hard and graduate from medical school and have good income still have to be poor because it is systemic problem. If my parents were rich, we will have money to pay for school or get low interests rate loans, which means lower/affordable payment. But if you are poor you have no saving, low or no credit score and you get higher interest loans and your payment is higher/unaffordable. So i can not save money for my kids and i can not break the cycle and live the American dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: AZ

Complaint narrative:
The Bureaus Collection Agency has violated my rights in attempting to collect a debt they claim I have, I have paid this debt to XXXX XXXX in XX/XX/2019 which can be viewed on my credit report and shows as the debt was legally paid for less than the full balance. I received a letter from the Bureaus ( TBI ) attempting to collect on this debt and quickly sent a letter in response asking they validate the debt as I paid this debt off. I did not receive a response and as soon as I saw the Bureau added their account to my credit report I contacted them by phone. I was unable to speak to anyone when I called on multiple occasions and only received voice recordings that due to the pandemic they cant always answer. ( I have the phone records of my multiple attempts to resolve this ). I then filed a complaint with the XXXX XXXX XXXX  during which the bureau provided misinformation, and again failed to resolve this. This is negatively affecting my credit and should be resolved quickly. I dont know how else to resolve this issue other then filing this complaint or obtaining legal representation which will be my next course of action should I not achieve amicable resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NY

Complaint narrative:
I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.

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 2020-11-28 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: GA

Complaint narrative:
A fraudulent charge from XXXX for a laptop computer, price {$2500.00} charged to my Capital One Credit card. I reported the fraudulent purchase to Capital One and upon their investigation they declined to remove the charge from my credit card. From my discussion with the capital one fraud investigator their investigation indicated that the computer was delivered to me by XXXX at my home and I signed for it. I told them I did not order or take receipt of the XXXX laptop. I filed a report to the XXXX County Sheriffs Department ( XXXX GA ) to which the case was assigned to Investigator XXXX ( case # XXXX ). Investigator XXXX visited the XXXX office to review the video but was informed the video was erased. He was informed that the package was picked up by a person at the XXXX office and not delivered to the address listed on the packager per request of the perpetrator. XXXX shows the signature to be signed by the XXXX office person ( of which I have a copy ), they also did not request proper identification when being picked up. I called Capital One and sent them the information ( copy of signed receipt indicating not delivered to my home ) and request they call Investigator XXXX. I also asked why they did not call me when the order was made since it was a large and unusual order as they advertise-they said they are not obligated even though my account setting request that they do so. They sent me final resolution " I've found no indications of fraud ''. I sent numerous requests which to date have been ignored. I subsequently paid Capital One the {$2500.00} plus interest while disputing the charge to avoid hurting my credit score. Note that I have a credit score of 815 and would never order something with intent of not paying. I hope you can assist or include this complaint in their file. Capital One is too big and as a consumer I have no recourse except to file a complaint. If you would like copies of my file please let me know XXXX.

Company response to consumer: Closed with non-monetary relief