vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am filing a complaint with the lender XXXX XXXX. for its unlawful tactics and hiding information from me as the borrower. I have made payments the best to my ability and advised them what i could afford. Every time i call for a income based program or forbearance i get told there is nothing they can do there are no options and that i have to continue making my payments. At that point i have made the same payments every month that i could at {$200.00}. The payments jacked up to {$900.00} per month and the payment system blocked any payments that were not the full amount of {$900.00}. They then call my step sister who is the cosigner and myself and family making threats they will get me fired from my job since i work in the XXXX system, they threatened that i would have my wages garnished as well as threatened my step sister advising they will have her children taken away from her. Now if i recall those tactics are unlawful and illegal to try and extort a customer for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I deposited a check of {$2500.00} to my money market savings account at Ally Bank using their app on Sunday, XX/XX/2019. As of XX/XX/2019, the deposit was marked as approved, but the funds were not available. After getting no reasonable response from their chat feature I called them and they informed me that the check was still processing. And they could put in a request to expedite the process. On XX/XX/2019, they made only {$200.00} of the {$2500.00} available to me. I did not actually get full access to the funds until XX/XX/2019. I finally received an email from them explaining that the deposit was handled according to their policy on XX/XX/XXXX, so I assume that many other customers are having the same issue.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
30 days ago I sent a dispute letter to LVNV FUNDING LLC asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to Experian, XXXX and XXXX XXXX paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that Experian received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that XXXX XXXX received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.

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 2019-04-10 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: CA

Complaint narrative:
I have requested my credit report. And Equifax will not send me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been with Capital One credit card company for almost 9 years. In the last 5 years, that's as far as my credit reports hows ( up until last month I have never been 30 days past due ). I have undergone health issues and my cards balance got high but I didn't miss a payment until XXXX and when I did my minimum due became over {$250.00}. My interest rate is well over 21 % and I begged them to help me because even if I made a payment it would only be going to interest. They refused. They reported me 30 days late. Then in XXXX my minimum due was {$500.00} & same thing they refused to help me with any relief. No matter what I sent them it would only be going to interest so they marked me 60 days late. I refuse to pay just interest and be marked late. I'm not late on any other of my cards they are killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
We have made numerous attempts with Navient to set up affordable payment arrangements in XXXX that were all denied because the amount was not sufficient for them to accept and they were aware that the payments were unaffordable, was told that various items that we had by one of their agents were " luxury '' items ( such as a vehicle to get to work ). Account was sent to a collection agency, struggled to make {$250.00} a month payments which were supposed to help our credit, they were still reporting the loans as delinquent and not reporting the agreed upon amounts of the loans. Those payments were stopped after one year because they were, again, not affordable and were affecting our ability to pay our monthly rent payment. We were once again connected by yet another credit collection agency in XXXX and we advised them of the previous attempts with Navient to pay something toward the loans and nothing was ever received back from that agency nor Navient. 

Navient is reporting the loans as Closed and Charged off but still reporting them as being delinquent. If the loans are truly charged off, I would like them to stop being reported as delinquent and the amounts reduced to zero. We would be willing to make monthly payments, however, it would be an amount that we would feel comfortable in paying for a specific period of time and that Navient would need to report them as being current at the agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TN

Complaint narrative:
I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted XXXX and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TN

Complaint narrative:
I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted Experian and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check 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 non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My client is trying to sell his home and is unable to do so because there was an equity loan on his home which was sold to several lender and none of them filed appropriate documents such as assignment of mortgage, power of attorney or servicing agreements. We are unable to close due to this and my client is going to lose his home in foreclosure. PNC took over National City.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Throughout the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was receiving payments from a friends. I had allowed this friend to borrow money and he was using his XXXX XXXX, which he had linked to his Cash App to send me money directly to my Cash App as repayment for the loan. On XX/XX/2018, however, I recevied a notification that this person, whose username is " XXXX '' on Cash App filed a dispute with their XXXX XXXX and that those funds would be refunded to him. On that day, I had several payments taken out of my account and returned to him, totaling {$3100.00}. After talking to him, he claimed he had no idea what was going on. We tried to resolve it but then, on XX/XX/2018, I again received notifications claiming that more payments were disputed and were being refunded, totaling another {$1300.00}, for a sum total of {$4500.00} between the two days. After further talking to XXXX, we realized that his father, who shares the card with him filed the dispute because he did not recognize the charge on the statement. Realizing his mistake and that the payments to me were indeed valid, he reversed the dispute with his XXXX XXXX. They then sent the funds back to my Cash App account between the middle to the end of XX/XX/XXXX. All the funds had been sent back by XX/XX/XXXX. Cash App, however, did not credit my account with these funds, even after trying to contact them numerous times. They do not have telephone support so everything must be done by email, which is extremely slow and frustrating. Finally, after several months, they did credit me for the {$1300.00} that was taken on XX/XX/XXXX but have yet to return the {$3100.00} that was taken on XX/XX/XXXX. I have talked with XXXX who has confirmed that the money was indeed send to Cash App. They have even sent me a letter that was sent to Mr. XXXX, who is XXXX 's father, that confirms the reversal of the dispute. I've tried contacting Cash App several time in the past few months, but they simply no longer reply. My emails get ignored. I've even submitted the letter to them. All I ask is that the {$3100.00} that was erroneously taken from me is credited to me now that it has been send back to Cash App from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America - XXXX - is reporting a charged off account with a balance, but I didn't owe them anything because I paid them off back in 2017.. I never received anything from them since I paid them off. -- Then I find out that they charged an annual fee and I didn't know that they charged that and my account had been past due -because of their fee- when I finally found out the account was charged off already. I was transferred around and put on hold every time for 30 min. Nobody would help me try and fix the account. Nobody at Bank of America knows what they are doing. 
They had my address and information incorrect and thats why I never got a notice. But this debt is not valid and not mine. This account needs to be fixed because there is no way I am paying {$920.00} for nothing but their FEES!!! 
It was nothing I purchased. Nobody ever called me or anything to let me know my account was past due!

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 2019-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Signed up for a checking account with Chase banking for XXXX $ bonus around XX/XX/XXXX or XXXX. The terms were to have direct deposit into the bank and the XXXX would be deposited within 10 business days. I waited a little over 3 weeks with no money and gave them a call on XX/XX/2019. They told me they sent a coupon to my email which they did not and said since its been over 21 days since account was opened they wont give me the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 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: FL

Complaint narrative:
XXXX XXXX finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE XXXX XXXX HAS RUINED MY CREDIT. I was told that there is a derogatory report from XXXX XXXX on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
30 days ago I sent a dispute letter to SYNCB asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from 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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XX/XX/XXXX I requested debt validation on a debt that is reporting inaccurately on my credit report. 
LVNV FUNDING LLC/RESURGENT CAPITAL SERVICE account # XXXX**** I received a letter dated XX/XX/XXXX stating VERIFIED. 
XX/XX/XXXX I requested METHOD OF VALIDATION. I then received a statement. I did NOT request a verification, an old bill or an account summary. I requested debt validation ( proof that I owe the debt. I received a statement once again. 
XX/XX/XXXX I sent another letter certified which was received XX/XX/XXXX signed by XXXX XXXX. No response as of XX/XX/XXXX. 
XX/XX/XXXX I called XXXX, spoke with a " XXXX ''. Explained everything above. XXXX advised me to contact LVNV FUNDING directly. 
I tried calling LVNV but wasn't able to speak with a live agent. 
As a consumer Im furious that both the credit bureaus and this collection agency ( LVNV ) continues to stall me out. Im seeking immediate attention as it should be handled in a timely and accurate manner. 


I demand this inaccurate reporting be REMOVED/DELETED from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management
State: GA

Complaint narrative:
XXXX XXXX  is what I believe the lady stated, said she was calling about a debt from XXXX. I have no notice or documentation of such. All of a sudden they are trying to reach my son about a debt. He is only XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CA

Complaint narrative:
one XXXX account is reporting fraudulently on my equifax credit file. this in is not my account, i have disputed this account for many months XXXX  and XXXX  have already removed this account with the best customer service, but equifax is very much ignoring my request, please help, i have XXXX and found out that is site would be helpful to consumers. you are my last hope. please have this inaccuracy removed from my credit file, i will be attaching the FTC report to this site please help me with this matter thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following account ( s ) : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( Trans Union, XXXX, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caneel Capital, LLC
State: NY

Complaint narrative:
Client is trying to sell home that is in foreclosure but the equity loan was sold from XXXX to Trinity Financial they sold it to some third party but there is no assignment, power of attorney or servicing agreement so client can not sell because the title company can not locate mortgage person or paper work between Trinity and the party they allegedly sold it to.

Company response to consumer: Closed with explanation