vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
In the beginning of COVID ( XX/XX/2020 ) I was told that all of my student loans would be put into a COVID relief program, like many other companies I was told no payments needed to be made for 6 months. Then in XX/XX/2020 I received a FICO credit alert that my score had dropped due to being 90 days past due. I called Nelnet and was told there was an error and " somehow a few of my loans weren't put in the COVID program ''. Their error resulted in this delinquency reporting to my credit. When I asked her to correct it I was told she could add the other loans to the program but she could not fix the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: RC Willey
State: UT

Complaint narrative:
RC Willey is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting. I immediately called and settled this account with them. I was unaware about this debt as I had never received any notices, calls, or letters regarding this debt. I ask that RC Willey removed this account from credit as it has been paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am the co-signer on a student loan. I called Navient on XX/XX/XXXX on a recorded line asking if they offer lump-sum settlements. XXXX XXXX XXXX XXXX said they do not accept settlement offers but then informed me they offer a full pay-off at 95 % of the total value. I owed {$38000.00} and was given {$36000.00} as the pay-off. We confirmed the amount and the date this offer expired ( XX/XX/XXXX ) and I made the full payment on XX/XX/XXXX via ACH after moving funds from my retirement savings. Two months later I discovered the balance of 5 % was still on the account. I called on XX/XX/XXXX and spoke to XXXX and he went to management and returned to tell me he did not have authority to offer that deal, nor did management want to approve it. He seemingly felt bad that he misled me and acknowledged our conversation when I reminded him it was recorded. Fast forward to today, XX/XX/XXXX, after 5+ hours of multiple calls over the past month, emails, being placed on hold for inordinate amounts of time, I spoke to XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX and finally XXXX XXXX XXXX XXXX, all from the Navient Office of Consumer Advocates. XXXX reviewed the situation and made me an insulting offer to credit {$180.00} of my balance. I asked if we could together listen to the initial recorded call and she said no, that was the best she could offer. This to me is about principle!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IA

Complaint narrative:
XX/XX/2021, {$25000.00} was transferred to XXXX XXXX ( cryto currency exchange ). This was a wire transfer that was rejected because the money was sent from a different account than what I had registered with XXXX XXXX. Because the initiating funding account did not match XXXX rejected funding my account and is holding my confirmed wire transfer and has not returned the funds per their 10 day policy. Multiple accounts to reaching out by email, service ticket ( XXXX ), XXXX, and XXXX left to no action and funds still have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MO

Complaint narrative:
I was put out of an apartment about 7 years ago and all my personal info was left in the apartment I had no time to retrieve my personal belongings I have 2 accounts on my credit that are due to identity theft.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter disputing newly discovered inaccurate items on XX/XX/20. As of today over 45 days later I still have not received correspondence that the investigation has begun. In researching how to dis out these inaccurate items I also discovered my information was compromised in the XXXX data breach. Now more than ever I feel like my information has fallen into the wrong hands. I also learned in this process it is illegal to report inaccurate items. Please help me uphold the law

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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OR

Complaint narrative:
I received 2 separate medical bills totaling {$18000.00} in XXXX, XXXX. The bills were from XXXX in which I had medical insurance. After numerous complaints they sent me two separate letters saying that the bills and my account is no longer active and we are instructing the credit bureaus to remove the account off my file. First of all the charges were bogus. My credit used to be XXXX, now it is XXXX. How do I get this fixed? I have the two letters but my credit score is messed up as well as my wifes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/21, I set up an online bill payment through the bill pay platform on " SoFi Money. '' The amount for the bill payment was for {$1400.00}. The date I selected for the electronic payment to be " delivered by '' was XX/XX/21. On the confirmation page when setting up the bill payment, it was indicated the funds would be withdrawn from my account on XX/XX/21 and that the payment would be delivered electronically to my XXXX credit card on XX/XX/21. 

On XX/XX/21, the bill payment had not credited to my XXXX credit card. I contacted XXXX and they said they have no evidence that any payment was received by them. I contacted SoFi and they said that the payment had been delivered, but to just wait and that it will " definitely '' be posted for XX/XX/21. 

The next day, XX/XX/21, the payment still had not posted to my XXXX credit card. I contacted XXXX and they said they still had not received any payment and that I would not begin to incur interest charges. I contacted SoFi and was told that the payment was delivered XX/XX/21, even though on XX/XX/21, it still had not posted. They told me to wait another day but that they were aware of a " problem '' that sometimes caused payments not to deliver on time that was " out of their control. '' On XX/XX/21, the payment finally posted to my XXXX credit card with a post date of XX/XX/21. 

On XX/XX/21, I concurred a finance charge on my XXXX credit card. I contacted SoFi to ask to be reimbursed for the finance charge due to their failure to deliver the bill payment on the promised time. The customer service rep refused to offer any reimbursement and said that it was not their fault and continued to make nonsensical excuses. Even though on XX/XX/21, the funds were deducted from my account, they absurdly attempted to justify that it was not their fault that the electronic payment was delivered late. They made plainly false statements that the payment was delivered on XX/XX/21, but in fact it was not and I told them I could prove it. They did not care and refused to offer me any compensation. 

The issue I have is that SoFi Money is making false promises to " deliver '' electronic bill payments by a specific date, withdraw the funds many days in advance, and deliver the electronic bill payment late. Leaving the consumer with late fees and finance charges. I suspect SoFi 's unlaw and fraudulent scheme here is to " hold '' onto the consumer 's cash for as long as possible, as it is in their benefit to have the cash in their possession for longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I JUST HAD THIS COLLECTION ACCOUNT APPEAR ON MY CREDIT REPORT THAT I BELIEVE IS A RESULT OF IDENTITY THEFT THAT IV'E BEEN DEALING WITH FOR OVER A YEAR BECAUSE I HAVE HEALTH INSURANCE AND THERE IS NO WAY THIS IS MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: AZ

Complaint narrative:
I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.

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 2021-03-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a re-finance mortgage with my mortgage company Caliber Home Loans located in XXXX California, loan officer XXXX XXXX. My regular mortgage is at 4.125 % ( fixed over 30 years XXXX, and he told me I could re-finance at a lower rate of 3.25 % so my monthly payments would decrease about $ XXXX. About XX/XX/XXXX, I talked to a credit card company about re-adjusting my payments due to Covid-19 hardship. They agreed, however, they did not process the change properly, and as a result, my credit rating went down. They acknowledged the mistake, and corrected it. XXXX told me as soon as my rating was corrected, the re-finance loan would go through. He said it was corrected, however, it has now been almost 8 months, and I am still waiting to get the re-finance loan finalized. The problem is that my hours at work have decreased substantially, and the saving of $ XXXX with a lower mortgage rate would have helped tremendously. In the meantime. XX/XX/XXXX, my mortgage increased by over $ XXXX/month. Also, in the meantime, mortgage rates have dropped. I received a letter from XXXX back in XXXX explaining that due to Covid, things are moving slow and that it would take another 45 days for the loan to be finalized. Here it is XX/XX/XXXX, and still nothing. I've sent emails and made phone calls to XXXX almost weekly, and he will not return my calls or emails, except to say he is working on it. I don't trust this company now, and an very upset that I am losing money to them every month. He won't tell me where the loan is being held up, and I have asked repeatedly for detailed time-lines as to the progress of this re-finance loan. It has been almost 8 months now, and with my job issues due to Covid, I am getting more into debt, my credit rating is dropping, and I'm worried I won't be able to make mortgage payments in the coming months. I am feeling extremely stuck and frustrated, because I could have applied ( and did XXXX to other companies and had this settled, however, XXXX promised me staying with Caliber would cost less, and he could save me more money. With less employment and a lower credit rating, there's a good chance I now would not qualify for any other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
please see two attached letters. i can't get them to Equifax, XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA . 
" Debt Scam ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was falsely reported dead to USAA. The person who reported me dead withdrew the money from my CD and closed the account. I reported this to the fraud department of USAA and they said there was no fraud. There wasnt anything they could do. I reported it to the police department. The investigating detective said he found several felony charges. USAA allowed this crime to occur and did nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MEGASTAR FINANCIAL CORP
State: MN

Complaint narrative:
My loss mitigation application has been on going since last year. I submit them an application and they keep on asking documents which I have been explaining that we don't have those documents like business tax returns, profit and loss statement etc. Keep telling them that the business closed since 2018 which is the reason of hardship. this is the third time sending them application because they keep closing them due to missing documents. My application is not moving forward and not going anywhere because they keep asking the same documents. I dont think they would like to help me save my house at all. They are making the issue worse instead of helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of 2020 I booked a trip with friends for a trip in XXXX My XX/XX/2020 bill on my Citi Thank you card will show the amount of my share of the trip for {$1400.00} which I paid in XXXX. In XXXX due to covid 19 the trip was cancelled and XXXX sent an email stating that I should request my money back directly from the credit card company. I filed a dispute and was initially refunded the money from citi bank. Over the course of the next few months they requested information from me which I provided. In XXXX they charged back the money ( from a trip I never took ) and stated the reason as being that I never signed a form ( that I had not even known I received ). On top of not knowing the form existed and needed to be signed, I was ill during that period from when I supposedly received the form for a period of 8 weeks. Weeks later when I was finally back on my feet I found out that they would not accept my dispute and closed the case. 

CitiBank has been completely horrible and not cooperative during this whole process.

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 2021-03-18 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: AL

Complaint narrative:
On XX/XX/XXXX I received an email to open both a Checking and Savings account with Chase Bank. I would receive a {$200.00} bonus if I opened a checking account and set up direct deposits, a {$200.00} bonus if I opened a savings account and kept {$15000.00} in there for at least 90 days, and a {$100.00} bonus if I completed both. As long as I used the coupon code provided in the email, I would qualify for the bonuses. 

I then opened my checking account on XX/XX/XXXX using the coupon code provided and it then prompted me to open the savings account. I populated the savings account on XX/XX/XXXX with {$15000.00} and then set up direct deposits to start XX/XX/XXXX. I received the {$200.00} checking bonus on XX/XX/XXXX. 

I waited until XX/XX/XXXX which was 90 days after I populated the account for the additional {$300.00} bonus ( {$200.00} for the savings and the {$100.00} bonus ). according to the email, it could take up to 10 business days for the money to hit my account. 

On XX/XX/XXXX when the money hadnt hit, I called Chase customer service. They told me that I had not applied the coupon code for the savings account so I was only eligible for the checking account bonus. They also said if I had noticed within 21 days of opening the account they could have helped me but it was now too late to do anything. 

I find this to be extremely predatorial banking. I followed their processes to a tee and completed everything they asked of me and they refuse to give me my bonus because I somehow didn't apply the coupon code to the savings account opening. To be clear, I thought it had applied because it applied to the checking and then prompted me to open a savings account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TN

Complaint narrative:
The representative for 30 minutes we reviewed my rate, closing cost and cash back to borrow. She kept asking me to do a rate lock and request and appraisal using my credit card. As soon as we hung up and after I paid the {$500.00} I go online and the loan estimate has changed arbitrarily. I was to get back over {$1700.00} and now a little over a hundred. We discussed this in detail. In a matter of an hour it just changed itself. I called and was only able to leave a message. This is bait and switch.

Company response to consumer: Closed with explanation