vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing with a serious grievance regarding my accounts serviced by XXXX XXXX - a division of NELNET , Inc. - which house three private student loan accounts serviced on behalf of XXXX XXXX, the lender. Upon phoning in to XXXX several weeks ago to inquire about remaining forbearance time on my account, I was advised by three separate representatives on four ( 4 ) separate occasions that each of my loans had nine ( 9 ) months of forbearance time remaining for my use, most recently on a call today, XX/XX/XXXX. Upon being previously informed of my remaining forbearance time ( 9 months ), I made several financial decisions to plan out my budgeting and finances accordingly, only to receive a call one week later, informing me that I infect only had three ( 3 ) months of time remaining on two of my loans. 

Understandably, I was and remain outraged at this sequence of events, as XXXX staff erroneously informed me on four separate occasions that I still had nine months of forbearance use available to me, on recorded calls. This situation has directly caused me financial harm, as a result of the misinformation provided by four XXXX company representatives, and XXXX must be held accountable for this grievous error. I have spoken to management, whom only give generic replies regarding their error, and refuse to coordinate with XXXX XXXX to honor the additional forbearance time, as a result of their company 's error. At this time, as a result of XXXX 's blatant errors and refusal to assist me with resolution, I am requesting immediate resolution to this matter by either coordination with XXXX XXXX ( the lender ) to honor this additional 6 months of forebearance time on the two other loans, as promised by their staff, or that XXXX XXXX covers the minimum monthly payment for these two loans for the 6 months after the current forbearance time ends ( which is allegedly set to due so in XX/XX/XXXX ). XXXX 's erroneous misinformation provided to me -- by four company staff members -- has caused me direct financial harm, and I must request immediate resolution to this matter at the executive level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have been working with Amerihome Mortgage for loss mitigation options since XX/XX/XXXX. I have submitted all documents requested on time and in a timely manner. As of XX/XX/XXXX, I was informed that they had all the documents they needed and the file was forwarded to the Underwriting Department. Again on XX/XX/XXXX I was told the file is currently with underwriting, no documents were being requested and the foreclosure sale for XX/XX/XXXX was on hold. On XX/XX/XXXX we received a phone call from a XXXX XXXX   Employee ID XXXX who informed us that the they have all the documents needed and the file is currently in review with underwriting and we can follow up within 30-90 days. On that VERY same day, the lender kicked the file back to the loss mitigation department requesting additional information. Not one call was placed to my attorneys office, to myself nor were any notices sent out to inform us that now MORE documents were being requested. So now XX/XX/XXXX when call the lender, we are informed of the additional information now being requested and that they have now released the hold from the trustee sale for XX/XX/XXXX because they claim the documents must be received at least 14 days before the sale. Even if they did call me on XX/XX/XXXX, the day the lender requested those docs, that is not even 14 days to submit so therefore they are contradicting themselves. How is this fair? How can they request documents knowing that there are not 14 days left until the foreclosure sale and then demand they are to be received 14 days before the sale? To make matters worse, not once during this loss mitigation process have I ever been assigned a Point of Contact which is a violation of HBOR. I am extremely disappointed and stressed out with all of this as I have done my part, but Amerihome is dropping their end of the bargain and treating me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: NY

Complaint narrative:
Transunion " investigated '' an entry on my report from XXXX XXXX   XXXX  and verified the information as accurate. This would be fine, only problem is I don't have an account as listed by them so it would be one of two things. A- Transunion did not complete the investigation properly B- They're complicit C- XXXX XXXX supplied them with fraudulent information. I demand a full investigation. I have contacted my local rep and he'll be watching as your agency has dropped the ball to date

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 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A  fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the CFPB.

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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX, XXXX amount of {$7700.00}. I have sent XXXX XXXX, XXXX a debt validation they did not respond. XXXX XXXX, XXXX then took me to court and then voluntary dismissed the case. XXXX XXXX, XXXX is also reporting on my credit reports with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number XXXX. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS 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 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX is not reporting my payments im making on my loan, to the credit reporting agencys, they have not corrected my credit report, that i have been paying on time and i am not delinquite on my loan. They are still showing me delinquite and, when i contacted them, they told me that they dont have to report anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has placed a " promotional block '' on my file without my requesting it. This is a violation of FCRA regulations. I plan to take legal action but I want to create a paper trail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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:
experian, XXXX  and XXXX  has XXXX my credit up again Account NameXXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX was removed 4 years ago b/c of id theft now put back on sent the police report and ftc

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 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 

This account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered 2 accounts placed on my credit report that are showing as Closed, Late, Charge Offs, both with incomplete account numbers from XX/XX/XXXX and XX/XX/XXXX respectively. XXXX XXXX acct XXXX Opened in XX/XX/XXXX Closed in XX/XX/XXXX and Applied Bank Acct # XXXX Opened in XX/XX/XXXX and Closed in XX/XX/XXXX. I have disputed these accounts as unverifiable and requested supporting documentation according to the XXXX XXXX Compliance and to obtain validating proof from the creditor showing a signed contractual agreement bearing my signature. I have also contacted the creditors via certified mail requesting the same information and have yet to receive the requested validation. This is a violation of the FCRA and FDCPA and Experian is allowing this to continue after over 10 months of requesting validation.

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 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX, XXXX amount of {$7700.00}. I have disputed and sent XXXX, XXXX  and TransUnion copy of court document showing that case under XXXX XXXX, XXXX was dismissed and I am to pay nothing. I also sent a police 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 2018-05-02 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:
I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, 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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a settlement offer from a collection company in behalf of Kohls and I accepted and paid the debt. The collection company is claiming they cant see that I made the payment I will attached the settlement offer and the receipt showing the acct has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX called a former girlfriend and stated that I was being sought over a bad check that I wrote. 

Dont think I have ever written a bad check, and even I had it should not be allowed to discuss such things with a third party. 

Phone call was on XXXX18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: TX

Complaint narrative:
As a result of Hurricane Harvey my wife lost her job and I struggled getting work ( because of closures, etc ) so I could not make 4 monthly minimum payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One ( visa  ) cancelled my account and offered making monthly payments to " reduce balance owed and stop discharge ''. Those monthly payments offered were similar to the minimum amounts set for my account prior to my financial crisis so I accepted and made 4 payments of ~260 each : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX ( shortly after I made the XX/XX/XXXX payment ), I received an email stating that my account is still 4 months due - threatening to discharge and with basically the same balance showing in XX/XX/XXXX. Confused I called Capital One and the explanation is that my payments go to the prior months but the current months are still being charged along with interests and that is why my payments " do not help my situation at all ''. I asked a supervisor to call me to find a solution because it seemed that I was only giving my money away without improving my situation. They promised the will call but never did so I called and after several hurdles was able to talk to a supervisor who confirmed my payments are not helping, that the only way is to start making payments " twice a month '' ( so, double the original plan ) in order to start seeing some change in my situation in the next 5-6 months. Of course I told the supervisor that having known that my ~1,000 dollars will have zero improvement in my situation, I would not have agreed originally to the plan and would have looked for other solutions. So basically I feel I was tricked into a plan in order for Capital One ( visa ) to take 1,000 from me and still owe the same balance before they took the money ( double profit ). I asked the supervisor if there is any other plan or solution because I was not going to continue to give my money away for a credit card that I can't even use and was cancelled since XX/XX/XXXX (  without asking or calling me ). She said something like : " there is no other way, and you are almost getting discharged and your credit will be impacted for 7 years, so its your choice ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I XXXX XXXX and my Power of attorney went to my Bank ... Chase and asked to withdrawn {$100000.00} ... The person we spoke to asked for Id 's from both of us then went away and came back and asked my Power of attorney if we were sending this money to the XXXX XXXX and if not was the money going over seas??? Her name happens to be XXXX XXXX!!! She said absolutely not and that she did not know anyone overseas or in the XXXX XXXX. He said that the bank did not have this type of cash on hand and that it would have to be ordered. This was on a Monday so we asked how long it would be??? He said next week some time. We asked why so long and he said to make sure this is not fraud!!! So we left and decided in a couple days that really if it was such a big deal maybe we could just get {$50000.00} ... so we returned to the bank two days later and asked for just {$50000.00}!!! Thats when we were informed that all the five accounts had been frozen and that they did not know why and it was out of their control at the bank level!!! The bank manager XXXX XXXX told us this. He gave us a number to call if we had any questions ... The name and number is XXXX XXXX XXXX ... J P Morgan Chase Global Security Investigations. This has been a month ago!!! We have tried and tried to reach this person but he has never returned our phone calls!!! And we have never til this day received any paperwork in the mail with an explaination or a phone call from this person or Chase Bank located at XXXX XXXX XXXX ... XXXX XXXX Michigan XXXX ... Phone # XXXX. Each time a dozen times we have went to the bank for answers we're constantly being told they don't know anything and can not help ... sorry!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX   XXXX  is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you.

Very Respectfully, 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