vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/20 i received a notification from my alert on my bank account that the account as under {$50.00} threshold causing my account to be in the negative. I called an spoke with an agent that advise that they were going to remove the fees and the charges and my account would go back to having a positive balance. I have checked my account every day as i have had trouble in the past few years with chase and no longer trust they handle things properly. I received no other alerts from my account about the balance being under the {$50.00} threshold and i saw my account in the positive every day. I woke up on XX/XX/20 to see that i was back in the negative and this time i was charged two XXXX over draft fees due to the account going into the next business day in the negative. I have the alert on the account to prevent the account from going into the next business day in the negative. Due to not getting the notifcation that i was back in the negative i was charged the fees and not given the chance to move money around. 

Each agent i spoke to on XX/XX/20 was rude and inappropriate as they talked over me and did not want me to provide the background on the case. The one agent stop me in the middle of my sentence to tell me that unless this had something to do with the claim there was no point for me to tell what happen. I am a customer and i deserve to provide all details i need to feel like im being clear and understandable. I have banked with chase for several years and this was the final straw for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: GA

Complaint narrative:
I got a call from XXXX who claimed to be collecting debt on behalf of XXXX XXXX XXXX from 2019. They had an old address of mine ( XXXX XXXX XXXX ) but I haven't lived at that address in a while. I contacted XXXX XXXX  and they had no record of my debt. They claimed they were from Arms Solutions which is who XXXX XXXX  uses. I'm thinking it's a scam since they pressured me to pay immediately and did not answer when I called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I submitted a loss mitigation package for review for a loan modification. I called weekly and submitted supporting documents as requested. I have attached my original submission including the bank statements and income documents that were submitted. On XX/XX/2020 I received an offer for a repayment plan that has a payment larger than my total monthly income. I have also attached that plan. The same day I received that unaffordable plan I submitted an appeal regarding their decision. Appeal is also attached. I called to check status of the appeal and was told it was being worked on. On XX/XX/2020 I called Fay and spoke to XXXX ID XXXX who said the appeal was not being answered. I then sent in a research request asking for clarity regarding the loan and how it had been handled. This is also attached. On XX/XX/2020 I received a letter that said my appeal is denied and did not respond to my other questions. I called Fay and was told there was no more research being done on this file. I was served during the foreclosure moratorium in Florida, I was unable to get any COVID assistance, my interest rate is 7.25 % however my paystubs show my affordability capacity. I would like Fay to respond to the questions I have about my loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.

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 2020-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
The service provider is still contacting and harassing me about student loans. Under COVID-19, payments are supposed to be postponed, yet I'm still receiving emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial is reporting a lease as a charge off account. This is factually untrue. The car was destroyed, the lease ended, the insurance was taken care of, the final balance required paid. Ally Financial refuses to change the reporting status of this account and it is causing me extreme financial hardship.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2020 around XXXX, I received a text alert from Netspend that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from XXXX XXXX XXXX XXXX XXXX FL . I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I have had direct deposit of my VA XXXX checks with Netspend for over 10 years. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. 

The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from XXXX XXXX ) posted to my account with the following memos : Signature purchase from XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute over the phone and also a written dispute via fax and email as instructed on XX/XX/2020. I was told that I would get a provisional credit as they investigate my claim ( # XXXX ) however, as of XX/XX/XXXX Netspend stopped replying to my secure messages online, and when I called about a provisional credit to pay my rent and bills that are due by the XXXX, the CS gave me the runaround aside for stating that my claim could take up to 10 days ( XX/XX/XXXX ) to investigate and that a provisional MAY be issued if it takes longer than XX/XX/XXXX. I was on hold for a supervisor for over 2 hours before they hung up the call. I have called several times about this and I have no resolution. 

I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe that Netspend is withholding my money because this is an inside job with an employee of Netspend and an employee of XXXX XXXX. 

Please help me, I want all my funds back and to be made hold. I suffer from major XXXX XXXX and XXXX XXXX, since the day this occurred, I have been under undue XXXX unable to XXXX  and enduring several XXXX XXXX a day. I need help immediately!

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 2020-12-10 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: Credit Karma, LLC
State: IL

Complaint narrative:
Creditkarma has been reporting false information from : places of employment and credit score to certain items on my credit report, just to try and sell me on getting loans or credit cards with high interest due to the damaging information on my credit report. I have also contacted some of the original creditors and the credit bureaus about some of the incorrect information on my credit report and have been told that they either have no idea why its on my creditkarma report or that they have contacted creditkarma to remove certain items and creditkarma either didnt want to or just ignored it. This is damaging to my financial life and is preventing me from getting a fair interest score when applying for crediy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America withdrew {$400.00} from my checking account without authorization. Making my checking account go negative. This is the second time the bank does this 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 monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently completed a loan rehabilitation of my XXXX XXXX loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX and XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX and XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX and XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX-Account # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA refuses to honor the provision of the CARES Act that allows them to remove negative marks. They tell me that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a Deletion letter, XXXX # XXXX of this accounts settled payment, to TransUnion on XX/XX/2020. TransUnion file # XXXX has not removed this Collection from my credit report at all. Plus the Derogatory status of this account

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 2020-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/2020 6-month interest free loan from Comenity Bank XXXX XXXX XXXX for {$9800.00} XX/XX/2020 Paid {$500.00} XX/XX/2020 Paid {$520.00} XX/XX/XXXX Paid {$1800.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Received email notice of a {$750.00} interest fee XX/XX/2020 Sent letter with copy of email to Comenity XX/XX/2020 Sent letter with further information XX/XX/2020 Received letter from Comenity XXXX looking into it XX/XX/2020 Received letter from Comenity that investigation concluded and closed XX/XX/2020 Received notice of a {$750.00} interest fee XX/XX/2020 Because website not available on my laptop ( technical difficulties ) ever - sent a letter of complaint again XX/XX/XXXXReceived letter from Comenity that wsill investigate further XX/XX/2020 Sent letter with check for {$290.00} which is 19.99 % of {$1500.00} which would be the amount still due if Comenity views XX/XX/XXXXas the end of the 6 month agreement Additionally, numerous calls were made and finally a message was sent through the website which again is not available to my laptop but I was able to access on my tablet with the help of a phone representative from Comenity on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
This debt collection is an attempt to collect the same debt from CFPB case # XXXX. The debt is now under NATIONAL CREDIT ADJUSTAccount XXXX. The debt was deemed invalid due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I had two mortgages both had PennyMac as the loan servicer. I refinanced both mortgages with another lender and the funds were wired to PennyMac on XX/XX/2020. despite that PennyMac went ahead and still drafted out of my checking account XXXX payments on XX/XX/2020 for {$1400.00} and on XX/XX/2020 for {$1500.00}. which is clearly illegal since the loan has been paid. I have tried to call many times and the company has refused to refund me the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: DC

Complaint narrative:
Ive inquired numerous times In The month of XX/XX/2020 to increase my credit line due to how much I use it. I understand how the procedure is done through an AS ( Automated System XXXX Ive been told my credit was too new and I have too high of credit utilization this was back in XX/XX/XXXX of 2020. Ive never made a late payment Ive always been on time Ive never defaulted. The only derogatory remark I have when I call settle they tell me the account has been moved which negatively has been effecting my credit. As a collection agency they arent allowed to call me but they are required to mail me about the transfer of my collection debt which they havent making it hard to make a payment. I finally tracked them down but bc my debit card literally snapped in half I havent been able to pay them. This is just the start of my issues with how Ive been treated. XXXX XXXX I made a payment from my XXXX XXXX account and it was bounced back m. So I made a payment from my XXXX XXXX  account the same one I clicked the first time and Ive been waiting for the payment to clear mind you this is 8 days later. Ive had this incident happen before and Ive done the procedures to get the funds released immediately however when I called discover about this they told me they cant escalate the payment even though they have in the past. Ive filed multiple complaints with them and to no answer Ive called multiple times and they give me the run around Im done dealing with my credit on my own please protect me

Company response to consumer: Closed with explanation