vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
in XX/XX/XXXX I was contacted numerous times about payments on the account, and was told that I was put on a forbearance for 3-6 months, was asked to send in paperwork, however my credit report was affected negatively. no-one can offer explanation.

in XX/XX/XXXX I have been making payments and still my credit report is negatively affected, interest keeps going up, and ballance shows to steadily increase. I have tried several times to call and speak about this but no-one can offer a reasonable explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
one inaccurate student loan is located under my name under equifax credit reporting agency, this  inaccuracy is causing me my SSi check that i receive. 
i spoke to them many times and disputed several times they keep coming back and saying it has been verified, i never ha student loans ever, i never went to school ever. please find attached my police report and FTC report which i provided equifax as well. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, received from a debt collector that I owed {$1200.00} to XXXX XXXX my credit score dropped over 200 points. When I call the Credit Management ( XXXX ) they said I had to call XXXX who instructed me to fill over 10 pages they would not give any information. Then I was told to call their Fraud Department XXXX where there was a difficult language issue. Finally, if I could prove who I was they would work me. They send me to send a picture ID or State Id. 

My Question is since my Credit report is frozen how did XXXX allow someone to open an Account in my name. I was a victim of ID theft in the year XXXX. 

On XX/XX/XXXX, I receive from XXXX sincerely apologizes for any inconvenience this the matter caused me. My question how do I know this will not happen again in the future and can I trust XXXX when my personal information. I think they should provide solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a retired and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX XXXX who charged off the debt in XX/XX/XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to Midland Funding in XX/XX/XXXX for pennies. Midland Funding filed a civil suit and never serve me and got a default judgment in XX/XX/XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact Midland Funding and spoke to XXXX XXXX at XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without Midland Funding authorizing so I can not my mortgage or buy food or medication I need for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
the following account ( XXXX XXXX ) does not belong to me only equifax is the one who is reporting this inaccuracy, this is not mine i have never applied to this account or car loan, i will be attaching the police report and the FTC report concerning this account, which i have provided to equifax many times, but they have not been helpful at all, please have this inaccuracy removed from my equifax credit agency thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a XXXX and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX/ XXXX who charged off the debt in XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to XXXX XXXX in XXXX for pennies. XXXX XXXX filed a civil suit and never serve me and got a default judgment in XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact XXXX XXXX and spoke to XXXX XXXX at XXXX-XXXX-XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX/ XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without XXXX XXXX authorizing so I can not my mortgage or buy food or medication I need for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
Prestige Financial is contacting me and harassing me many times a day. They use threatening language and scare tactics even though I have asked them to stop threatening me. I have asked multiple times to change the payment due date by 15 days so I can make the payment every month on time, yet they refuse to help in any way. The payment is nearly {$730.00} a month and it is incredibly difficult to make yet we havent missed a payment. Currently we are 15 days late and they will not stop threatening and harassing me. I feel powerless bullied and frustrated. I have told them 6 times through email text and phone calls that I could pay tomorrow ( 15 days late ) yet the still bombard me with their threats. No one should be treated the way they are treating me and I am hoping you can help me with their terrible behavior. Their debt collection behavior is wrong and needs stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the following public record is not mine, this is an inaccurate reporting under my name under my equifax credit reporting agency, i will be attaching my proper paperwork to this attachment, please have this inaccuracy removed from my equifax credit reporting,  this is not mine, i have disputed this with equifax several times but they are not helpful literately they say they verified in one day. this is not right, please help me in this very sensitive issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My Ditech loan is set up for automatic payments out of my checking account. I received a past due collections letter from Ditech dated XX/XX/XXXX. I checked my secondary checking account that I use for this payment and the XX/XX/XXXX payment had not been deducted from my account. I call Ditech to see what is going on, the agent couldn't locate my account. She was finally able to find some information and told me that my account was given a new number and I should have received a letter stating that I didn't need to do anything and that the payment would come out automatically as usually. I told the agent the payment didn't come out of my account and asked if she could take it over the phone. She said I could not, but advised me to call into the automated system and make a payment. The automated system stated it had received a $ XXXX payment, but that couldn't have been right. I made the payment for $ XXXX and received a confirmation number. However as of XX/XX/XXXX, the payment still has not been deducted from my checking account. Now they are reporting me past due to the credit bureau for {$660.00} payment. Ditech VRU/automated system has a record of my payment, but also says I owe a payment of {$1300.00}. I've called Ditech 10 times  asking for help, but they can't help me because they don't see my full information. I've disputed the credit bureau report, but I'm fearful this may cause them to put me in foreclosure. I've never missed one payment with either of my mortgages ( over 18 years ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I placed a lift of the freeze on my account with Equifax and was told that I would receive a confirmation with my pin for future use. The pdf I received did not have my pin, so I called the number Equifax provided if I did not receive it. I then got a run-around by the Equifax representative who asked me a bunch of questions about my credit history which she claimed I did not pass because it did not match my credit report. So, then I asked for my credit report and was told I would have to mail in a request with a bunch of personal information. 

This system places an undue burden on consumers, especially since the company has been found to be lax in its security and now wants me to go to the trouble of sending in more personal information that can fall into the wrong hands. The questions I was asked had to do with mortgages I had years ago and I should not be expected to remember. If this is complying with the requirement to provide consumers with a free annual report, there is something terribly wrong with this system! 

All of this is remarkable given that I was able to lift the freeze on my account but was not able to get some basic information about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied for a CItibank Secured  card on XX/XX/2019. The application ID was XXXX. 

On XX/XX/XXXX, Citibank debited {$1000.00} as security for my card. On XX/XX/XXXX, I received a letter stating that the account had been approved and a card was issued, along with the last four digits of that ISSUED card : XXXX. The letter stated the card would arrive in 7-10 days. As of XX/XX/XXXX, the card had not arrived. I called the toll-free number and the first agent told me that the card was never sent out, they had a problem with the card manufacturer. The second agent, a supervisor, told me the card was printed and should be arriving on XX/XX/XXXX. 

It is my understanding that this is one more way for Citibank to make money ... by delaying the issuing of the card, they can " sit on those funds '' and earn interest. While they've kept my money for three weeks, I've received no access to those funds. I was then threatened that if I canceled my card, it would take at least THREE WEEKS to return my money - so effectively, I am stuck. They will have my money on hand for a month and maybe, I will actually get the card. 

I asked to have the card sent overnight since it hasn't gone out yet and they said it " Must go by mail to establish residency '' I explained I already have another Citibank card at the same address and therefor residency, and my profile are established. I was told that didn't make any difference. Then she told me the card had been sent today after telling me it wasn't sent at all. 

I have zero trust that Citibank will be helpful. I would like a copy of this forwarded to the Comptroller of the Currency as well as my understanding is that a financial institutional can't withhold funds. 

I sacrificed to part with {$1000.00} of my money to help work on my credit. I have an XXXX XXXX XXXX son that I support and now have nothing to work with as my card hasn't even been sent yet. How can this be legal? 

There was no disclosure telling me that I wouldn't have access to my funds through my card for any more than the stated 7-10 days. By the time I get this, I will have been without access to my money for a month.

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 2019-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
as of XX/XX/19 my credit score was XXXX this came to light -- the result of ==home equity loan app -- my only outstanding loan is a second mortgage on my home -balance {$8500.00} -- -All my bills be it utility-credit-mortgage-auto-home etc are paid thru the auto pay system-my credit cards are paid in full every month again thru the auto pay system I have no outstanding debt -- sans the home equity-I have not paid one dollar in interest in twenty years- This may sound- on the face of it-Silly-but -- I purchased something at XXXX with my XXXX charge card -- -this is also auto pay -- they asked if I wanted to apply for the XXXX/XXXX card- I did -- here is the stone in my shoe -- -- I WAS DENIED -- REASON -- -NUMBER OF CREDIT BUREAU INQUIRIES. 
Now -- I was shopping for the best rates in mortgages-equity loans or any other source of funding in order to purchase a Florida Condo -- -It seems to me -- - to avoid the inquiries we are forced to accept the first quote -- avoid the competition and move on -- -Remember I did not purchase -- -accept or was I promised any product -- I was Shopping-Window Shopping -- -Next time my wife window shops I will try to reduce the credit line on her card -- -- This new out-fit -- CFPB is protecting whom from what? 
Some poor slob with a borderline credit score shopping for cruise -- airline -- hotel will have his credit score reduced to maybe, an F -- I don't know where this goes or does anyone care-but this is an outrage -- -I will bet If I can find the fingerprints there is a DODD-FRANK or some other XXXX XXXX behind this abomination-

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EdFinancial Services
State: LA

Complaint narrative:
Failure to update to show payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The closing costs that I was told to expect changed significantly from the initial amounts I was quoted. I have tried emailing the Mortgage Originator and asked several times for their Compliance Department to review but this request has not been granted. I sent a very detailed message with all of the differences ( attached ) noted. If you can't trust the costs that are told to you when you decide to lock-in a rate to not be changed just prior to closing, where is the integrity of the financial market? I feel this is misleading to me, as a consumer.

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 2019-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have provided everything the lender has asked me to do and they won't review my loan for mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Nationwide Biweekly Administration, Inc.
State: NM

Complaint narrative:
Nationwide Biweekly took money out of my account and I asked them to cancel my subscription and refund my money and they have not made the mortgage payment nor have they refunded my money. They have also taken down their website, shut down their phones and they are not answering emails sent to their customer service email address. They owe me {$2000.00} XXXX {$1000.00} for each of two properties ). I think these people are total scam artists.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Failure to update to show payments made.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Failure to update to show payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX I received an email from my brokerage informing me that they had received a Writ of Garnishment for XXXX from Ray Klein , Inc. dab XXXX XXXX XXXX XXXX I was blown away as this was the first time I had been notified of any debts with a Ray Klein , Inc . I immediately contacted my legal membership and had an attorney pull and review the file. He told me that the file did look like a legally obtained judgment obtained by default on XX/XX/XXXX. He told me the original debt was a series of accounts totaling {$2000.00} back in XXXX. He told me the collection company had hired an attorney and I should contact the collection company in an attempt to remedy this. I did contact Ray Klein , INC . They told me the only way to remedy this was to pay the amount in full and that due to interest the amount was now {$9000.00}. I requested proof that this was even my debt and proof of service and they told me that they did not have to give me anything. A few days later I went to the local courthouse and got a complete copy of the file. A man named XXXX XXXX, process server, for XXXX XXXX XXXX, XXXX. swears under oath that he personally serviced me at XXXX on XX/XX/XXXX to an address that I did not reside. On XX/XX/XXXX XXXX XXXX XXXX XXXX denied a motion of default, due to documentation not meeting requirements of court rule 5.061 ( 6 ). Then there is a default judgement entered. Now a Writ of Garnishment for $ XXXX more money. The file seems poorly put together legally. I'm very angry that I was never properly served and no other notification to me in nearly 10 years. I'm sure Ray Klein, Inc. gets away with this type of practice often as in my search for  answers regarding this matter I have come across other consumers who have fallen victim to this same method of garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.

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