vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: IN

Complaint narrative:
On XX/XX/2019 I received a letter from Nelnet as response to a forbearance request that I made saying my loan was in forbearance. On XX/XX/2019 they withdrew {$120.00} from a bank account not associated with the loan I placed in forbearance. All of my other loans were on auto-pay for several years, but I never placed my new loan in auto-pay because I intended to pay for it with a different account. The money was not authorized to come out of the other account, but they took it anyway. When I called on XX/XX/2019, they told me that I could not get a refund for the money they withdrew without my permission or the permission of the account holder, and that my loan does not qualify for forbearance or repayment options. This account has already caused me problems because my grace period was taken away and I am in a situation where I'm being charged {$120.00} per month on this loan. I make {$350.00} every two weeks. I'm already starving myself to make ends meet. I can't afford this high of a bill, but I have no alternative except to pay because the department of education sent {$300.00} more than they were supposed to and if I pay that money back to get the grace period that I was guaranteed in my promissory note, then I won't be able to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CA

Complaint narrative:
XXXX, Equifax Failure to fault, I have requested many times information from you, you are in fault for not replying to my request you have ten days from the time you receive these documents to reply with what I request. Equifax you state validate with no evidence on a account that ids not owned by XXXX thats { Fraud } you equifax are on notice TEN DAYS Or remove this fraud It is stated in CFPB response from legal owner to remove this account from credit report and you still report it Cfpb is being used to validate my claim against both of you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I made a payment on the XXXX, which was a Friday, due to how XXXX XXXX XXXX   processes payments, the payment is processed until the next business day which would be Monday. 

the XXXX is the last day to make a payment or you're late/ Anyways, This time I decided to use XXXX bank through their API that they integrated on their ( XXXX XXXX XXXX ) Online Payment Portal ... Come to find out 2 weeks later that although i was given a receipt and confirmation of payment, the payment had an error and they would be charging me late fees+ interest+ reporting to my credit. 

After making an immediate payment after coming to find out how they XXXX  up royally ( i even made the next months payment at the same time just so I don't have any issues again ), they said they would fix my credit reporting to make sure it doesn't hit on my credit. 
Loe and behold another 2-3 week goes by, I check my credit score and it's gone down 115 points due to " missed payment '' on the mortgage ... I filed through XXXX, no success. I have been in contact with XXXX and they refuse to give me the credit departments phone number, they take 2 weeks to respond to simple emails and at this point, I want to hire an attorney and take them to court for damages they've caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Student Loan Advocates
State: DE

Complaint narrative:
SCAMMED by Student Loan COMPANY. American Student Loan Company reached out to me several times via phone in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, The phone calls from XXXX were pretty convincing. 

She also spent the next 4 months convincing both my husband and I that ALL of my loans would be forgiven, but I had to ACT NOW. Every time we called or she called she said she had my case right there and could see my information. They ALL will be forgiven ( her words not mine ). She said we must act now before the Obama Administration ended for our case to be heard. When the new administration would end, I would be grandfathered in. She said you worked with a team of lawyers that would fight for my case. She convinced us not to pay on my current loans but to make monthly payments to their company to take on my case. Due to the fact she said she had my information in front of her, I assumed she was a legal assistant or aid. She made me feel like they were adamant about fighting my case. 

A year went by and still no contact. Not from American Student Loan Advocated or a lawyer. No conformation anything was done, accomplished, sent, more information needed, nothing. When I contacted the company a year later to see what was going on, they said my case was closed 2 years ago, which means my money was just taken., I was flat out lied to from someone who I believed had a legal background who was giving financial and legal advice. No lawyers were ever represented. The company took my money and submitted an email on my behalf, all which I could of done for free.

Dates : XXXX XXXX-XXXX XXXX : American Student Loan Company contacted me via phone. XXXX spoke to me over a 3 month period. 
XX/XX/XXXX : First payment was given to the company in exchange that I stop making payments on y current student loans. 
XX/XX/XXXX XX/XX/XXXX : 7 payments of {$100.00} were taken XX/XX/XXXX to XX/XX/XXXX : No contact from the company or lawyers like expected XX/XX/XXXX XX/XX/XXXX : Emails between XXXX XXXX XXXX. Offered a partial refund and to re-consolidate my loans XXXX XXXX XX/XX/XXXX : Nothing has been done or settled

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On Monday XXXX XXXX I reported to my bank ( chase ) that there were fraudulent charges on my debit card and a dispute was opened. I was issued a provisional credit from the fraud department with 24 hours after filing this report and also issued a new debit.I went into the bank yesterday ( XXXX ) and tried to make a withdrawal and the bank teller ( XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX ) Made a big deal and got very loud and discussed my account in front of other customers. I was then sit down with a bank manager and he called and verified the money was available and it was. I was allowed to do a withdrawal. Today I go into the bank and they are now telling me that my account is restricted. The Bank Teller has a personal issue with me and gives me an issue every time I go into the bank ( XXXX XXXX ) When I first opened this account there was an issue that I had another account opened. I provided them with all documentations to prove this case ... I was a victim of ID theft. My account was reopened and up until to date I have not had any issues with the account besides going into the branch and dealing with this teller ( XXXX XXXX ) who also happens to be a manager as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
AMCOL reported {$670.00} not paid to credit bureaus. I contacted XXXX XXXX directly via online, and paid the {$670.00} in full on XX/XX/XXXX2019. I attempted to dispute the report, but was unsuccessful. I saw that XXXX reported the amount again on XX/XX/XXXX. I tried to dispute again on XX/XX/XXXX, unsuccessful. On XX/XX/2019, I contacted AMCOL ( XXXX ) to gain information as to why they continue to report the amount on my credit when I paid to the company directly. I asked her when the correspondence was sent to me regarding the amount due by the third party, she said the company had no record and would not be able to confirm. I ended up speaking with a manager,  XXXX, who stated that AMCOL sent correspondence in XXXX, which I never received. I told her that I did pay, but she said they would have to wait for XXXX XXXX to confirm payment. By the end of the conversation she said she would expedite trying to locate the payment confirmation. I contacted XXXX XXXX ( XXXX ), thereafter, spoke with a rep, XXXX, who stated that their records confirmed my payment of {$670.00} on XX/XX/XXXX2019 and pulling my information from collections on that same date. I called AMCOL back and ended up speaking with XXXX again who then said she received payment confirmation fifteen minutes ago. I expressed my disbelief that the company just received confirmation from XXXX  XXXX on today. I also let her know that XXXX XXXX confirmed pulling my information from collections the same day the balance was paid. Because I have disputed this item multiple times, I can not dispute again and it's showing up negatively on my credit report for XXXX even though the bill was paid at the end of XXXX and pulled from collections at that same time. AMCOL did not follow up with my account properly and continued to make false reports on to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In re account : XXXX XXXX XXXX XXXX Enclosed you will find two checks : one in the amount of {$92.00} ( the original XXXX XXXX XXXX  purchase ) and the other for {$160.00} for fraudulent and usurious charges related to the incompetence of XXXX XXXX XXXX and Synchrony Bank.

Under protest, these checks satisfy the unprofessional and incompetent actions of all parties.

To review the events leading up to this incredible circumstances : 1. I purchased {$92.00} worth of merchandise at the XXXX XXXX store in XXXX XXXX XXXX OH in XX/XX/XXXX.

2. At checkout, the clerk asked if I would like to have an XXXX XXXX   credit card since it would give me a discount on the days purchases.

3. I agreed and the XXXX XXXX  clerk filled out the application on her computer. That apparently included my address in Florida, and I included my condominium unit number. Without the unit number, the Postal Service can not /will not deliver mail. Apparently the XXXX XXXX XXXX   clerk failed to enter the entire address.

4. At some point in the XXXX XXXX/Synchrony Bank billing process, there was a failure to include my condominium unit number ( see attached bill and highlights ) 5. Due to XXXX XXXX/Synchrony Bank failure to include the condominium unit number, the Postal Service did not/could not deliver the bills from XXXX XXXX.

6. Consequently, I could not pay bills that I never received.

7. Beginning in XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX. that I had an outstanding balance due Synchrony Bank.

8. I immediately called Synchrony bank ( a singularly frustrating process in itself ) and was told that there were no outstanding charges with Synchrony Bank. Synchrony Bank could not/did not identify their relationship with the XXXX XXXX credit at that time.

9. At that time I assumed this was another internet scam and did not respond to XXXX.

10. Subsequently, in XX/XX/XXXX I received another call from XXXX   about a past due amount that had been turn over for collection. I again called Synchrony Bank and this time was told this was related to unpaid XXXX XXXX  charges.

11. I sent a letter on XX/XX/XXXX ( copy attached ) to XXXX XXXX  outlining the issues and requesting confirmation of the bills. I received these on XX/XX/XXXX. As you can clearly see from the billings, there is and was no apartment or unit number on the bills the result of which is that I never received the bills. Once again I called Synchrony Bank and talked with an offshore representative ( in XXXX ) and he indicated that he could do nothing since Synchrony Bank had turned the account over for collection. A clear error in business practices on the part of XXXX XXXX and/or Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Per the escrow disclosure statement I received dated XX/XX/XXXX, my account showed an erroneous escrow shortage of {$4700.00}, which caused my monthly mortgage payments to increase substantially. This error was due to an anticipated obvious overpayment of my property taxes in XX/XX/XXXX. To address this issue, my attorneys mailed the mortgage servicer, Selene, a Qualified Written Request advising it of its error on XX/XX/XXXX. Wanting to avoid defaulting, I paid the erroneously high mortgage payment of {$3100.00} for XX/XX/XXXX. While not admitting its error, Selene 's response to the Qualified Written Request, dated XX/XX/XXXX, stated that {$650.00} of my XX/XX/XXXX payment was applied to principal and the mortgage statement I received for XX/XX/XXXX showed that the amount due had been adjusted to reflect that my regular monthly mortgage payment due was {$2400.00}, not {$3100.00}. I overpaid in XX/XX/XXXX due to Selene 's error, this overpayment was not due to a desire to pay down principal, and I never agreed to have this amount applied to principal. My attorneys contacted Selene by phone and email on XX/XX/XXXX, and sent a follow up email on XX/XX/XXXX, requesting that the {$650.00} that was applied to principal instead be applied to my next mortgage payment. Selene has not responded to this request and I paid the total amount due for XX/XX/XXXX, with no adjustments made for this overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a dispute to Equifax, XXXX as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus onXX/XX/2019. I still have yet to receive anything from either Equifax nor XXXX. I did receive a letter back from XXXX  and I will continue to dispute with them. 

My Concern is that it has been over 30 days and Equifax and XXXX  has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are Experian, XXXX  and 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 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
On XX/XX/2019, I applied online for a mortgage loan. During the online chat session I was told that based on a government collection that was on my credit report, I would not be eligible for mortgage financing. 

A few days later, I received via postal mail, a letter about my credit report being pulled and information on understanding my score. It also references getting a free annual copy of my credit report from XXXX from each of the nationwide consumer reporting agencies. 

My complaint is since I was denied mortgage financing, I am entitled to a free copy of my credit report from the agency that the company used to pull my credit report ( XXXX  ), according to FCRA, based on being denied credit. But the letter does not provide that information which is required by law nor does it state that I have been denied. 

As of yet, I still have not received a letter stating my application status

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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:
I am on the Public Student Loan Forgiveness Plan, and using the Pay As You Earn option so my payments qualify. XXXX is my servicer. I have three main issues : 1. I have to manually enter all my payments to specific loans, otherwise the loan company applies my payment only to the lowest interest loans, thus making it so my loans will NEVER be paid in full, no matter how many payments I make. This seems illegal. 
2. I had to re certify my payment plan and PSLF a few weeks ago, and my payment has gone up over {$200.00} per month. They are saying it has to do with our XXXX going up, as well as my husband 's student loans being paid down by the XXXX. I spoke to a representative to see about options on XX/XX/XXXX, and even though I did NOT approve it, I had a letter stating that my loans were placed in forbearance on XX/XX/XXXX. I don't know how they are allowed to do this without my consent, but they did. 
3. I have been in the public sector since XXXX, yet XXXX is saying I only have 19 payments so far. I've asked them and they're answer is partially because some of my payments didn't qualify because I was on the wrong payment plan, and that the payments under my current employer aren't counted until I have an end date. I had said numerous times that I was in the public sector, but was never informed that my payments would not qualify on the old payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington approved me for a short sale or DILF because I lost my prior job and had to move to XXXX, XXXX from XXXX and no longer live in the home. It is vacant. They again conditionally approved the short sale and we have received a short sale offer for the full price of the approved amount, {$460000.00}. The home was appraised by Carrington at {$550000.00}. The mortgage balance is {$580000.00}. Carrington initially approved the short sale but now has said VA Guidelines are denying the short sale. They told us that it was approved and even spoke to our sale agent and had him list the property. We now have an offer from a cash buyer and can not get our short sale to closing. Please investigate Carrington 's business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: MO

Complaint narrative:
Borrower is comparing lenders and mortgage brokers. XXXX XXXX  in XXXX XXXX ( now named Guild Mortgage ) is incentivizing first time homebuyers with a {$2000.00} XXXX  XXXX gift card in order to attain new clients. Clear violation of exceeding allowable gifts to garner business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, Transunion and 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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Social security had showed me as deceased in XX/XX/2018, after the death of my father. They gave me a letter to give to creditors and credit bureaus showing they made a mistake and that I was very much alive. One creditor ( XXXX XXXX ) had charged off my acct and closed it in XX/XX/2018. After they received my letter from social security, they reopened and sent Equifax stating my acct was open and that I was not deceased. I've called Equifax and disputed this on several occasion and so far nothing has changed. I really hope you can help me, I'm just so frustrated. Thank you.

Company response to consumer: Closed with explanation