vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: CA

Complaint narrative:
On 5 separate occasions in XXXX, I have directly mailed and/or called in to FedLoan Servicing explaining unforeseen circumstances that resulted in late payments being reported to all three of the credit bureaus ( XXXX, XXXX  and XXXX ). In late XXXX of XXXX, my mother passed away due to her battle with XXXX XXXX. I was providing direct care for her prior to her passing and also had to deal with various arrangements of her affairs immediately after her passing. During this difficult time of caring for my mom throughout XXXX an up until her passing, I inadvertently lost focus of my own due dates for my financial responsibilities. It was an extremely difficult time for myself and my family, as I was very close to my mother. As soon as I realized my oversight of payment to XXXX XXXX, I made appropriate arrangements to bring it current. I have ensured that my accounts have been in good standing since. With my correspondence to FedLoan Servicing, I did include a copy of my mothers death certificate as " proof '' of this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
Information about the status of my Federal Student loans is being reported incorrectly to the credit bureaus from XX/XX/2020 onward. The loans are in forbearance because of the XXXX relief bill that was passed and extended. These loans show on my credit report as being in collections instead of being in forbearance. This has negativity impacted my credit score by the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I am a victim of Identity Theft. An unknown perpetrator used my unique identifiers to open various accounts without my knowledge. I filed an FTC Identity Theft Report ( report # XXXX XXXX on XX/XX/2020. I also filed a local police report with the XXXX Police Department XXXX report # XXXX ) on XX/XX/2020 describing the situation in detail. The report listed all of the accounts that were a result of the identity theft. I also contacted each company listed in the report and notified them of the situation and that I had been victimized and how harmful it has been in reference to my financial endeavors. I also opened disputes on the matter and promptly notified each of the major credit bureaus. Some companies required an affidavit of identity theft be sent in along with supporting documents to help aid the investigation process. Correspondence on the matter was to be given within 30 days of receipt of the documents. I mailed off an affidavit of identity theft along with supporting documents to Santander Consumer USA on XX/XX/2020 via certified mail ( tracking # XXXX XXXX. There has been no correspondence on the matter. I recently called to check the status of the investigation and I was informed that Santander Consumer USA has not gotten to my file yet and the investigation was still open at this point and has not yet been assigned to an agent. The investigation was supposed to be completed within 30 days of receipt of the documents. Documents that were delivered on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & Transunion. XXXX  has removed the account but XXXX  & transunion have not.

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 2021-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have disputed a fraudulent Capital One open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & XXXX. XXXX  has removed the account but XXXX  & XXXX have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Chime Financial Inc
State: GA

Complaint narrative:
I bank with Chime Bank and have a checking account and a credit building credit card with them. 

On XX/XX/2021 my account was hacked and my account information ( email and phone number ) was changed to an individual that was not me. I called Chime Bank to inform them of this. I sent multiple emails to get my information changed back to my own. They took over 24 hours to do so. Upon them taking their time to change my information back, 3 fraudulent transactions took place with my credit card, in the amount of {$500.00}. I called Chime bank the next day to let them know about the fraudulent transactions. They said I had to wait 2 business days in order to file the claim. 

Then on XX/XX/2021 I received notifications that my account information ( email and phone number ) has been changed again. The individual who was able to do this then transferred {$100.00} out of my bank account to another user. I called Chime Bank to let them know about the transactions and that my account information was changed again and that the transfers had occurred. They changed my account information back to my own and let me know that I had to wait till file the claim, once again. 

Then, on the same day, my account was accessed fraudulently 6 times again. The person responsible who change my account information as soon as I had it changed back. I reached out to Chime to ask how this would be possible, but they didn't give me any information other than to change my password ( which I had already done 5x ). 

I file a police report with XXXX police to let them know that this is happening. 

They negligently kept sending me the same card with the same card over and over, which none of the new cards I've received. This made it easier for someone to perform fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently on unemployment in California and my recent payment was stolen on XXXX due to a fraudulent withdrawal at a Bank of America ATM in XXXX XXXX. I reside in XXXX. I have my unemployment debit card in my possession. I have tried to call Bank of America regarding this fraud because they are the ones in charge of disbursing funds but they referred me to EDD. EDD doesnt have a single clue how to handle this, meanwhile Im out {$2000.00} which I desperately need to pay bills/Mortage. Why is it so easy to steal our money? Why cant the red tape be cut so I can take care of my family? EDD is a mess. BofA is a mess. Who will lose their job over this because my tax dollars are being well dispersed among thieves and the desperate tax paying people who need them are again the losers. Please get me my 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 monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Unfortunately, there was some miscommunication of how my last payment was to paid on my vehicle and we were completely unaware and were NOT NOTIFIED that this would not be taken via autopay. This is a company car that has been on AUTOPAY for the last 5 years As a result my last payment to you was delayed which resulted in a 30 day late payment on my credit report. 

We did not receive the actual statement until XX/XX/2020, the mail delay appears to have been triggered by an incorrect mailing address on the statement that you sent us. The statement was sent to a XXXX address rather than the correct address of XXXX XXXX. ( Please see attached utility bill with correct address ) Once we received the statement we immediately called and asked to pay this via CC or via EFT and were informed that wasn't possible. We were told that we would not receive " any late payment or penalties ''. We mailed a check on XX/XX/XXXX and that check was not cashed by your company until XX/XX/XXXX. The check would have been drafted on the XXXX but our XXXX was home sick with XXXX and was unable to draft the check until the XXXX. 

I have sent in the request to have this corrected by TD Auto Finance but they refused. Letter Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use XXXX  ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time Nelnet ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against Nelnet for violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
While applying on line for accounts ( XX/XX/21 ) with Transunion my wife and I were forced to give a credit card number to open each account. There was no explanation of why they wanted our credit card numbers but we could not get accounts without filling in the credit card information. After opening the accounts we were notified that Transunion had charged each of our accounts {$25.00} and would be doing so monthly. We reached Transunion ( XX/XX/21 XXXX and requested cancellation and a refund. They said they were doing both. I believe this is a scam by Transunion. They are hoping that people who sign up for an account think this is a necessary and lawful charge. It is a fraudulent, dispicable way to do business and should be illegal.

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I XXXX XXXX  XXXX, I am owner of property financed by Shellpoint Mortage servicing. I am in Bankruptcy an have court order the property can be sold, the property is under contract an was supposed to close XXXX XXXX, since then the contract has been extended 3 times due to Shellpoints unwillingness to corporate with closing attorneys an buyers financial institution This has been exhausting for everyone involved!!! closing attorney XXXX XXXX The attorney representing Shellpoint is XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. XXXX # for loan is- XXXX shellpointmtg.com/ XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Approximately in XXXX of XXXX we did a loan modification. We were behind and a foreclosure process had begun. We did complete the loan modification and have not been thirty days late once. 

Recently we went to refinance and the loan officer stated that the balance was {$90000.00} and the original balance in XXXX was {$73000.00} We could not find any paperwork with regards to the loan modification. Our concern is the fees that were incurred to do the loan modification and to determine if any were excessive,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I leased a new XXXX XXXX vehicle though my local dealership using Ford Motor Credit. I returned the vehicle on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received letters from a XXXX  XXXX XXXX in XXXX Michigan by a XXXX XXXX. The letter just stated that it was related the collection of a debt and to call a XXXX. I called XXXX and asked what this was about. She explained it was related to a debt owed to Ford Motor Credit and that since they could not collect it was turned over to them. 
I explained I didn't know of any debt and that she could send me any paperwork related to it so I could see what it's about. 
I did not receive any information from XXXX at that time about the debt. 
I wrote a letter to XXXX XXXX XXXX to ask for supporting information of the debt with no response. 
A called Ford Motor Credit in XXXX and spoke to XXXX XXXX on XX/XX/XXXX at XXXX and inquired about the money owed and any details. They told me they had no record of this loan. 
I then followed up with a letter to Ford Motor Credit Customer Service Department at XXXX XXXX  XXXX in XXXX, NE XXXX relating my call to XXXX XXXX requesting information about the loan. 
Despite calling, writing to both XXXX XXXX XXXX and Ford Motor Credit no information was provided for me to evaluate the validity of the debt. 

My credit was then affected by a charged off notice. This lowered my credit by more than 150 points. As a business owner in XXXX XXXX where I depend on financing to manage my business - this led to borrowers not willing to refinance a number of properties - costing me significant impacts. In addition, my personal credit is used by my employer to be able to purchase online advertising for my clients. We routinely charge XXXX or more to be able to collect a small percentage as fees. This too was impacted limiting my ability to gain a living. 
While I am no attorney, it seems that the practice of not providing adequate information to be able to evaluate a debt due is in violation of the Fair Debt Collections Practices Act ( specifically validation of debts under notice of debts 809/a/4 whereby " the debt collector will obtain verification of the debt ... and a copy of such judgement will be mailed to the consumer by the debt collector ''. 

It was only on XX/XX/XXXX that Ford Motor Credit provided the requested information ( letter from Mr. XXXX ) when I filed a dispute with the credit bureau. 

By then the impact to my credit has been done - and continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account that was opened fraudulently and I have already spoken with XXXX, XXXX and Experian about certain things pertaining to the account such as the address and phone number attached to this fraud account as well as the account. I have filed a police report and should have the report this week to be able to forward this information to the company involved. Experian however is not working with me on this issue. I called them yesterday and was on the phone almost 2 hours being transferred to several different departments only to have them make things even worse. While on the phone with one of the may representatives they placed a fraud alert on my account. I did not request the fraud alert and told them to remove it that I have the ability to lock and unlock my account. The person assured me they removed it only to see they did delete it and then added it again. They put it on I DID NOT AUTHORIZE IT and now they want me sending personal information to them. I just told them I was a victim of fraud I will not submit my personal information to them for something they did without authorization. Also in the process they changed the date of my birth. WHAT IS WRONG WITH THESE PEOPLE?

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: OH

Complaint narrative:
I have reached out several times to AmeriCollect regarding the accounts that have listed as delinquent on my credit report. They have not responded to any of my attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Actually Im just trying to get information about my current loan. I need them to send me a mortgage note that Ive been requesting daily on their website and no response. Ive been on the phone for over 3 hours today trying to get a live person. Got one finally and hung up when I asked to speak to a supervisor since their delay in providing me with my documents are causing me to not be able to get a home equity loan from another 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 explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have attempted, via XXXX XXXX, to receive a Validation of Debt. Midland Credit Management has NOT provided the Validation Letter in which they are trying to collect. Now they have sent me a 1099C for a debt they refused to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Spoke to a female representative at Bank of America, who explained to me that my check for {$260.00} would be taken care of to pay for my rent. The reason why I called is because I was checking to make sure that I still had overdraft. A week later, I receive a notice from the landlord that the funds were returned and to check with the bank. I called today and spoke with a supervisor named XXXX. XXXX explained that the previous person that I spoke with should have looked at the next screen and that I should have known that I did not have overdraft. He stated that my overdraft was taken away XXXX months ago.

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