vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
this company added fees to my account that was not correct the car was totaled and the car was paid off with the gap insurance I also see that they have a lawsuit for the things that they have done to people this is showing incorrect information on my credit report as well and is affecting my score for wrong information XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a WalMart store card for sometime. Paid never late when the card was issued by XXXX XXXX. Capital One then took over the WalMart card. When Capital One set up the new account I made a payment by calling in. I was told my debit card was set up on auto pay and I authorized the monthly minimum payment to be taken from my debit card every month. Well now the statement arrives late in the mall and there have been 5 late fee 's added to my account when the balance should now be XXXX. The account is also closed which I do not care about. The fact remains the statements are received late every month and a late fee added. I have called and was told that the auto pay is not on and that is why the account is receiving a late fee. It is no my fault the mail is extremely slow and or Capital One sends the statement out late in order for late fee 's to be added to the account. The bank should wave these Fee 's. This is not my fault and this account was never late when it was held by XXXXXXXX XXXX and on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express serve has suspended my account onXXXX and denied me access to my account I asked if they could just send me my funds and close the account and was denied as well I was never notified of this but I need my money out of my account and just want to be done with this company I feel they are conducting fraud not just to me Ive seen most people like me that have gotten direct deposit from unemployment have gotten there account suspended and even deleted my online account. I have no access to my money and they will not help me at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: NJ

Complaint narrative:
Your note ( for Transunion ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.

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 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My husbands student loans were paid in full in XXXX of XXXX. We received a letter in XXXX of XXXX from Navient that his student loans were paid in full. In spring of XXXX we started receiving calls from XXXX XXXX stating that he still owed over {$5000.00} on his student loans. Our bank provided us with copies of the cancelled checks which we and both the bank had mailed to them. We also emailed them along with the letter from Navient showing that that they had been paid in full. I contacted them to see that they received the copies of payment and they told me it could take up to 2 weeks to make a decision. I received a letter from Navient showing a copy of our payment history. Nowhere in this history did it show the pay off in XXXX of XXXX. We received another letter from the Department of Revenue that the Department of Education had taken our entire XXXX tax refund ( {$5000.00} ) to pay off my husband 's student loans. We then received another letter from Navient that stated we still owe $ XXXX dollars to them. When we call Navient either they mysteriously can not find our loan or tell us it has been paid off. The bank had informed us that it is still showing on my husbands credit report and they know it has been paid because they sent the payments to Navient. I have exhausted all efforts and my next step is to contact an attorney if this can not be resolved.

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Irs stimulus check deposited on XX/XX/XXXX to my PayPal mastercard debit card and it has yet shown up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have a federal student loan account with servicer Great Lakes Educational Loan Services and they have incorrectly reported my account as being " deferred '' when it is not in deferral status. I never requested a referral and have been made aware of a credit reporting error made to many people with this same loan service. I am on a {$XXXX} IBR plan and have been for years! The only change that should have been made to my federal student loan account was bringing down the interest rate to 0 % until XXXX due to the COVID-19 crisis. This horrible error in reporting has caused my credit score to be lowered by 20 points ( XXXX ) and 27 points ( XXXX ) respectively. I can provide proof. I have not had any other changes made to my report or caused anything to alter my score and it wasn't until my federal loan account changed statuses that I was made aware of the lowered score. This needs to be resolved immediately as I have now been placed in an entirely lower category of credit scoring. This is an extremely negligent business mistake on the part of Great Lakes. I contacted them to make them aware of the error and there was nothing the customer service representative could do to direct me to resolve this grave error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OK

Complaint narrative:
In XX/XX/2020 I started a refinance to lower my interest rate. I was told that I would be able to miss 2 months of payments, which was to be XXXX and XXXX and get back the {$2600.00} that was in my escrow. Because I was promised these financials I agreed and continued on with the process. As mid XXXX approached and I did not hear anything I called and was told they were waiting on the title company. I did not trust the fact that I was told that I would not get a late fee if I did not make XXXX 's payment and was not feeling very secure with what was going on so I paid the XXXX payment to stay in good standing of no lates with my mortgage payments. Finally when I called again towards the end of XXXX I was told that Someone from a title company would be contacting me for closing. I did close in the beginning of XXXX ( after my Insurance was paid ) and was told by the Title representative that the escrow I was promised would probably be mail to me. After a month had gone by I called to find out about my escrow and was told it was used to pay my house insurance which had become due in XXXX. I called several times trying to call the agents that I had worked leaving multiple voice mails but no one returned my calls. I know that they were working since they had no problem keeping up with me to get me through the whole loan process. Now I feel as though they stalled me in XXXX knowing my Insurance would be due soon. I feel I have been lied to and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: NC

Complaint narrative:
My identity has been stolen by the same person for the last 9 years, He has opened credit cards in name and auto loans and several boat loans. There is several police reports and FTC reports on file with XXXX, Experian, and XXXX but they don't use them.

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 2020-05-21 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: AES/PHEAA
State: CA

Complaint narrative:
Hi, I hold a federal student loan and the servicing company is FedLoan Servicing. My Account number is XXXX. My name is XXXX XXXX On XX/XX/XXXX I received a notification that my loan is becoming due to be recertified. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I uploaded all the necessary documents for recertification with the income requirement. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I received a recertification letter and my monthly payments were assessed at {$230.00}. Please see attachment XX/XX/XXXX. 

Please note, that I used the exact same income return for the previous year and my monthly payments were assessed at {$150.00}. Please find the following : 1 )  Attachment XXXX ( the IDR monthly payment assessment ) and 2 ) The tax return submitted to FedLoan ( attachment XXXX XXXX - Form XXXX - XXXX Tax Return ) with the IDR form signed on XXXX ( attachment XXXX XXXX IDR Application XX/XX/XXXX - XXXX ). 

On or about XX/XX/XXXX I contacted FedLoan Servicing and inquired about the discrepancy in the monthly payment calculation and was advised to resubmit my recertification documents without an explanation about processing times and guarantee that the mistake won't happen again. 

On or about XX/XX/XXXX I contacted FedLoan ServiceXXXX again and spoke to representative XXXX ID # XXXX. She reviewed my file and determined that there was an error in processing my IDR application which resulted in an increase in my monthly payment. She further informed me that she will put in request to review my application to correct such error. 

As of today, XX/XX/XXXX FedLoan Servicing has not followed up with any type of communication that my IDR application has been submitted for the error correction. I have not received an email or any type of communication regarding this issue. 

I would like my payments my monthly payments to be adjusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: NJ

Complaint narrative:
Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.

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 2020-05-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I AM A XXXX XXXX YEAR OLD VICTIM OF IDENTITY THEFT. I DID NOT OPEN THIS USAA ACCOUNT. XX/XX/2020 I submitted investigations to XXXX   & XXXX of USAA CREDIT REPORTING PROVIDING FTC ID THEFT REPORT XXXX & REQUESTING ORIGINAL WRITTEN DOCUMENTATION I OPENED THIS ACCOUNT TO VERIFY THIS ACCOUNT WAS/IS MY ACCOUNT.??? SUDDENLY, after 35 years of USAA VERIFYING ME WITH MY PROFILE DATA FROM MY AUTO INSURANCE ** SUDDENLY MY DRIVERS LICENSE IS NEEDED.??? XXXX How SNEAKY of USAA TO SUDDENLY NOW BE ** UNABLE TO VERIFY ME ( after 35 yrs of verifying ) ME & ASK FOR A COPY OF MY DRIVERS LICENSE?? USAA IS THIS TO DOCUMENT PROOF I OPENED THIS ID THEFT ACCOUNT PERHAPS USAA???? I DO NOT TRUST USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
It was not until late XX/XX/XXXX we learned that our bill we has received from XXXX XXXX for XX/XX/XXXX should be sent to Loancare. However our payment sent EXACTLY 1 month later ( XX/XX/XXXX ) Loancare got. At Loancare 's request we went to XXXX bank and got them a statement with XXXX 's name on it telling them that XXXX XXXX had received it. For the last 10 months we have gotten them what ever they asked for and tried to settle it with them. We even went as far to try to talk to their CFO or CEO and to call XXXX XXXX and they automatically sent us back to Loancare.

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 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JMAC LENDING INCORPORATED
State: WA

Complaint narrative:
We were working with a JMAC Lending loan processer, XXXX XXXX, on two mortgage refis. She lied to me, claiming XXXX XXXX had requirements for me to supply additional documents. I looked up the XXXX   XXXX Selling Guide, sent it to her proving her wrong. She called me up, started an argument, yelling at me, then hung up. Then she sent the mortgage broker an email, lying about our phone call. 

Since then, XXXX keeps coming back, claiming the underwriter needs more info on both of our loands. For instance, we provide 12 months of bank statements, now she wants 13. How is that relevant. She is interfering in our loan process, intentionally causing unecessary delays, along with making false statements about us. Our loan was supposed to close this week, but that looks unlikely. In fact, XXXX is interfering so badly, it does not appear as though we will even close, ever. 

Now, no matter what we do, with each new " request '' from underwritting, I send in the information and we're met with yet another new request. 4 times now. Friday, Tuesday, Wednesday morning, and AGAIN Wednesday evening. Extraneous requests for absurd information. 

Even the loan officer, who normally doesn't interact with underwritting, has lodged a complaint. 

Our loan lock will likely expire before the laon closes, due to XXXX 's unethical behavior. Rates have gone up and it will cost us more money because XXXX is retaliating, sabotaging our loan approval. 

If we have to abandon this lender due to XXXX sabataging our loans, the rates have changed, they have gone up since we started this proces. That will cost us even more money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Great American Finance Co
State: NJ

Complaint narrative:
Original balance was {$1800.00}. After a few months, balance was sitting at {$4400.00}. Store and finance company were in cahoot. This all started in XX/XX/2015. and up to now they still run my credit for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation