vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/20, I checked into my payment statuses for past payments and noticed that the application of my payments was being applied incorrectly. I currently have 6 outstanding loans ( all Stafford loans ), that are serviced through Great Lakes Educational Loan Services and upon payment, more than just the interest is being paid on each, even though the information provided on the website states that excess amounts over interest will be applied to the principal of the loan with the highest interest rate. Upon calling one of their  representatives, they confirmed that the information on their site is the appropriate way of applying the loans. As such, I believe that they are committing deceptive practices that is causing individuals, including myself, to pay more overall on their loans. Through this practice, it means that my effective interest rate is not being driven down through the pay down of my higher interest rates, but is instead, remaining stagnant and netting them more profit on my loans. Although I have caught this practice and can alter the payment allocation to the correct, and stated way, this is an act that could have costs me hundreds of dollars, and for some individuals, may cost others thousands over the life of their loans. My concerns were corroborated by searching for similar issues with them, and I found countless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: MI

Complaint narrative:
Equifax refuses to investigate XXXX XXXX after been serve by certified mail for documentation associated with the account bearing my signature. maturity date of XX/XX/2020 has elapse which thirty days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Experian Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX  XXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX   XXXX {$3000.00} not mine XXXX  XXXX XXXX XXXX {$820.00} not mine XXXX  XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX   XXXX {$1000.00} not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-04-21 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: IL

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX never late XXXX   XXXX not mine COLLECTIONS 01 XXXX XXXX   XXXX  XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} not mine 07 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} not mine 08 XXXX XXXX A XXXX {$580.00} not mine 11 XXXX XXXX {$180.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BELING & ASSOCIATES
State: NC

Complaint narrative:
In XXXX I hired Beling & Associates Law Firm of XXXX, due to their promises of reducing my student loan debt. They promised to get it cut in half and all I had to do is pay them {$250.00} per month as they would negotiate this settlement with my student loan lender. They also promised that this would not affect my credit report or score and nothing bad would be reported. By XXXX, the loan was settled, cut in half, and instead of owing {$20000.00}, I now owed {$8000.00}. Unfortunately, it wasn't until I needed to rent an apartment in XXXX that I found out that it was reported as a charge-off ... as if i refused to pay and went delinquent on {$12000.00}. This caused me to face homelessness, scrambling to find housing options when the apartment denied me a rental as I relocated to a new state for employment. This was NOT the agreement we made and they need to be held accountable for this seeming scam.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
Problem with credit reporting.

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 2020-04-21 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: TX

Complaint narrative:
I am trying to get a mortgage loan to purchase a house but the mortgage company is unable to obtain a copy of my credit report from Equifax. 
I have called Equifax several times and they said they don't know why the mortgage company is having trouble accessing my credit report. 
I can't move forward with my mortgage application unless they get a copy of my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi customer stole {$2800.00} of XXXX cashiers checks from me and Citi is not releasing the funds. Customer name XXXX XXXX in NY.

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 2020-04-21 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: DC

Complaint narrative:
XXXX XXXX is reporting a debt that was received from XXXX XXXX/XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on Transunion and XXXX as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, Transunion, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.

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 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I purchased an investment property and it was financed with XXXX mortgage and before I could make my first payment the loan was sold to New Rez LLC. I had an escrow account set up to pay my taxes and insurance. First I got a note from New Rez that they were adding insurance to my loan because I did not have any and after numerous calls we got that issue resolved, however then I received a letter dated XXXX XXXX from Office of the XXXX County Treasurer stating my taxes were delinquent on the property purchased at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. First thing I did was contact XXXX to ensure the monies had been sent to New Rez for my impound account and the dollar amount they sent. The amount sent to New Rez was {$390.00} and I have made four mortgage payments to New Rez, each time a payment is made {$130.00} goes to my impound account for a total of {$520.00}. With the 4 payments and the transfer the total in the impound account is {$920.00}. I contacted New Rez XX/XX/2020 and shared this information. They had me fax a copy of everything to them at Loan Servicing XXXX and assured me it would be resolved in 10 days. On XX/XX/2020 it was not resolved so I again called them and faxed everything to them again and was told it would be resolved and it was not. On XX/XX/XXXX I called and spoke to XXXX XXXX and my husband emailed her everything and we were told it would be resolved so we asked to speak to a supervisor, of which NONE were available to help us. We were told one would contact us within 48 hours which of course no one did. I again called today XX/XX/XXXX, spoke to XXXX XXXX and of course was told they can not take emails, they had no record of my call with XXXX and that they would send it to a supervisor to call us and again we wait 48 hours. I am in the middle of refinancing this property as I no longer want to do business with New Rez. There is NO EXCUSE for them not paying my taxes on time of {$240.00} and now the penalty of {$9.00} and a Cost fee of {$2.00} to the XXXX County Treasurer immediately. Today XX/XX/2020 I received a letter from them saying it was in response to my inquiry on my loan # XXXX which is serviced by New Rez LLC on behalf of XXXX  XXXX XXXX, the owner of our loan and they were working to gather the requested information and they would forward it to us. Not sure I understand that, it should say they have PAID my taxes!!!!!! I have spent 8 to 10 hours of my time trying to resolve this issue with them. I want my taxes paid, they have my money and it should not be this hard.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is Complaint Against Citi Bank has been left unauthorized hard inquiry on my credit without my authorization as date below CITICARDS CBNA Inquiry date : XX/XX/2020 so i have been indicated is fraud use my identity with 3 report credit companies 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 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX customer stole my cashier 's checks and Chase is refusing to cooperate with XXXX to get my funds released back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: DISCOVER BANK
State: PA

Complaint narrative:
This Complaint Against Discover Financial has run my credit without my authorization and has left Unautorized hard inquiry on my credit and this inquiry impact my credit on date DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX i just applied for credit card date : XX/XX/XXXX and i got approved which is accurate other above is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: PA

Complaint narrative:
Factual data again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I do Not Have OverDraft Protection and there are 3 Withdrawals Also received Letter that XXXX XXXX  {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION ( ATTACHED IS PROOF ) And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} XXXX XXXX  {$32.00} XXXX {$280.00} XXXX XXXX {$49.00} XXXX  {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} XXXX XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have paid my credit card with Citibank religiously for years via their online autopay option. This month, on the XXXX my payment did not hit. I thought maybe there was a delay with all the coronavirus confusion. On the XXXX I went online to find it was indeed registered as late. I had to pay *double my min due* which I can not afford right now and was charged a late fee. 

I called them to figure it out what happened - " we sent an updated terms and conditions in the mail ''. 
1 ) I never got a piece of mail from Citi 2 ) I opted for paperless ages ago anyway so I should get terms and conditions alerts electronically 3 ) Moreover, they did not have my permission to stop auto payments or any type of confirmation control in place to verify receipt of said terms and conditions 4 ) No one EVER reads those ... and they know it. 

I had to pay double my minimum payment due, and a late fee after only 5 days ... during a pandemic, homeschooling kids, trying to get by on one salary no less. I spoke to 4 managers and spent 1.5 hours on the phone when I was suppose to be home-schooling my kids. 

It is ~despicable~ that they would cancel my autopay without some type of confirmation process, give my 5 days to figure it out and offer no forgiveness or understanding during such trying times for people. What a scam! How many people didn't see their legal jargon snail-mail, or saw it and didn't read it, or saw it read it and didn't see the fine print. That's got to be millions in late fees and double payments when people are hurting the most. 

It seems to me it is intentional - knowing people we not be able to make their payments they're trying to cover their losses with dishonest late fees. It is deceitful and sneaky.

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 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
I have talked to them and told them this was not my debt. I have disputed it with credit bureau. The whole account is fraud and mixed up with another person that stole my identity. I sent the police report to credit bureau as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian states on my report that XXXX XXXX is the vendor used to verify public records I have provided a letter from XXXX XXXX stating they notified Experian that no record is on there file on since XXXX I have been disputing this public record being inaccurate

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 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I found out of this when I try to buy a house for the first time that I have a dept of XXXX XXXX from a apartment complex in Texas that I rent in XX/XX/XXXX when I never been in that state I ask for the information about the collection and in the contract of the lease of the apartment there is people that I dont know saying that they are my brother in law and I dont have no brothers in law because my wife do not have any brothers. I report and identity theft because that person is not my self because he is working on that state and I live in Colorado seen XX/XX/XXXX. I report to the IRS the identity theft. I make police report. I report to the social security Administration. Y make a report in the federal trade Commission and I reported to the immigration agents and ice.

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