vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WA

Complaint narrative:
My student loan that was serviced by EdFinancial was turned over to collections due to defaulting on my loan payments. EdFinancial stated they received a mail return on a statement in XX/XX/XXXX, although I have resided at this address for 3 years and have experienced no issue with receiving my mail. EdFinancial then updated my address to the physical address of the school I was attending. EdFinancial sent all my correspondence to the school and the school did not contact me or forward my mail. My phone number was available to EdFinancial and I also have a log-in on the portal. EdFinancial did not call me or notify me on the portal about my loans defaulting. I received a notice in my portal in XX/XX/XXXX that my loans would be due in XX/XX/2019 and my first payment would be due at this time as well. I was ready to pay this and then EdFinancial claims XXXX provided information that I never attended school so they stated my loans were not eligible for payments and would be due immediately in full. This change occurred in XX/XX/2019 yet I received a notice in XX/XX/XXXX about my loan being fine and getting ready for my first payment due. When I asked about this they simply stated they could not stop the automatic correspondence. So after spending literally hours on the phone with XXXX and EdFinancial I was able to ascertain that EdFinancial is the one that updated my address and failed to notify me and they refuse to help me with this issue and keep saying that I defaulted, which I had no idea about. I have asked for a supervisor to call me from EdFinancial and they tell me this will take 48 - 72 hours. I called this morning and EdFinancial stated they called me on Friday ( XX/XX/2019 ) but I have no missed calls or messages on my phone. I feel like EdFinancial is so unwilling to be responsible for their actions and how they did not notify me or give me the opportunity to repay my loans. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im not exactly sure on the dates, Ive been in and out of the hospital. Ive also havent had a chance to clear things up due to my health. I understand that I owe, thats not the complaint here. My complaint is with the company Check n Go, on XXXX XXXX and XXXX XXXX, XXXX XXXX Texas, XXXX. They have called my references which is a standard practice but in the same sentence they revealed my entire loan to a family member ( s ) that knew more about the loan that I taken out than I did. They informed them on the amount of the loan, the delinquent status of it, the interest as well as any pay back amounts associated with this particular loan. It wasnt in their place to discuss this with my references at all, they were not co-signers on the loan so revealing this info was not necessary and I felt that they did not respect my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One charges a hidden fee for the use of their ATM 's if using a credit card. I was charged {$10.00} on a {$100.00} cash withdraw on XX/XX/19. I was not aware of the fee until after I was charged and it appeared on my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I have received numerous phone calls from Affiliated Asset Solutions. I do not know what this is in regards to. They have called me four times from these numbers XXXX, The dates were XX/XX/19,XX/XX/19,XX/XX/19,XX/XX/19. The one on XX/XX/19 was while I was visiting my cardiologist. All these numbers come on my cell phone and when the phone rings it says spam risk so I don't answer. When I check the numbers out in my phone data base that's when it reveals that it is a spam/fraud/high risk. All these calls have come after the new law in the state of Texas went into affect on XX/XX/2019 stating that these types of calls are totally illegal and if caught its {$1000.00} fine per call. Affiliated Asset Solutions is a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
loans paid off escrow not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
My husband and I have been trying to refinance our loan that is currently with GM Financial since XX/XX/2019 due to the extremely high interest rate. On XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX again, XX/XX/XXXX, and XX/XX/XXXX we have requested payoff to XXXX XXXX XXXX XXXX. Each time, after being on hold for 5-10 minutes, the associates indicate that the payoff would be sent within 2 - 24 hours. We have requested the payoff be faxed to XXXX. On Friday, page 1 of  a fax from GM came through ; however, no payoff on our loan. To-date, XXXX XXXX XXXX XXXX   has not received the payoff. This is likely a ploy to retain more simple interest at 6.9 %!! This is an abusive practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX-XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : Seterus, Mr. Cooper Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, Seterus ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased Seterus in XX/XX/XXXX, Mr. Cooper. In XX/XX/XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from Mr. Cooper Document 2 Proof of Monthly  payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement. 

I provided these same documents to Mr. Cooper and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from Mr. Cooper, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that Seterus no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by Mr. Cooper. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, XXXX ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
I received a check from Wakefield and Associates , Inc. for {$29.00} dated XX/XX/XXXX.To learn more, I contacted XXXX based upon a XXXX search . 

The address on the check was listed as XXXX XXXX XXXX, XXXX, TN XXXX, A XXXX answered and I shared with him that I received a check from the company, but I did not know why. He asked me if I had an account, and I said no. The only information listed was XXXX, in which he did not know what the number represented. 

So, he asked me for MY SOCIAL SECURITY NUMBER and DATE OF BIRTH. I felt very uneasy providing my personal identifying information to gain further information about a {$29.00}. However, I went ahead and provided the information. After a few minutes, he told me that he only saw an account dated XXXX and that an amount of {$49.00} was listed. At that point, I told him that surely the check should have listed an account number for reference. 

So, I gave him all the information from the check, and he said it might be at the other location/company - XXXX XXXX XXXX. He said that the company recently brought it and that the transition would be in full effect in XXXX. He was suppose to be at another location in XXXX. 

He transferred me and the young lady listened and attempted to locate it. She was unsuccessful, so I asked for a manager. She said it would be 48-72 hours!! I told her that it was unacceptable and that I was VERY afraid and felt threatened since I gave my personal identifying information earlier. The young lady ended up finally transferring me to someone, and he was not a supervisor. However, after I talked with him, he transferred me to a XXXX XXXX, a supervisor. He was located in Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. 

After minutes and minutes on the phone with me, he said that " he was going to help me out. '' The problem continued because he started asking me for my address, of which I gave to him. He did not have any information!!!!! But after looking on the internet, the company has a plethora of complaints, including scamming, etc. 

I ended the conversation because I felt very terrified that I provided my personal identifying information, including my address, to Mr. XXXX and XXXX!!! This is totally unacceptable!!!!!! They sent me a check for {$29.00} and no one has any answers as to WHY? This must be a practice that the company does to obtain personal identifying information. I hope that no implications will happened that would negatively affect my life!!!!!!!!!. 






Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I had 2 XXXX credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. XXXX decided based on just Experian, not all credit reports, to close all my XXXX accounts. I have had credit cards with XXXX for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at XXXX and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. XXXX then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with XXXX. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( Experian ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with XXXX. My banking actions with XXXX are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.

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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX we submitted a borrower request to cancel Mortgage insurance on our mortgage. We were told by loan servicing rep that we were eligible and that their system showed our LTV at 78.3 % of our original value and loan. thus they would automatically be dropping the MI. I have followed up numerous times and each time I get the run around. after emailing back and forth and also speaking with customer service reps they sent me an email needing proof and authorization from my husband that I am authorized for SHellpoint/New Rez to speak with on behalf of him. I find this to be a major violation on their part, after he fact. Granted I am not on the loan and have stated so since so inception. I disclosed the fact that I am the wife and after all that time and the divulging of personal information on multiple occasions they finally want to identify my relationship. A bit too late as the violation already occurred long before any attempt to seek authorization. Lucky for them It is me and not someone else, We sent the auth on XX/XX/XXXX. that said, I spoke to an agent last week and was told it would be a 7-9 days to fully remove the MI and that they had an automated valuation done in the system so no appraisal was needed. Today when I called again, I was told we XXXX requires a full appraisal when in fact the guidelines for XXXX only specify a BPO not a full URAR. I am beyond upset at the lack of professionalism all around, in not seeking permission 1st before releasing relevant information via phone and email and about the contestant run around with regards to cancelling our MI. We have been trying to locate a number and email to complain directly with the office of the President for ShellPoint /New Rez but can not seem to locate any such intel on their website. Our complaint is twofold : 1 ) Lack of authorization requested upfront to disclose intel.  We are newly married. 
2 ) Lack of professionalism in handling a simple borrower requested MI cancellation when XXXX says a min of 5 Years in loan with on tie payments and a LTV < 80 % we meet this criteria and want Shellpoint to remove our MI immediately. We were told XX/XX/XXXX and now they want a full Appraisal which will force us into XX/XX/19. I do not feel we should be charged for their incompetence. They need to rectify this ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.

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 2019-09-09 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: Motolease, LLC
State: AZ

Complaint narrative:
I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I received an email notification from Citizens bank that my account had too many failed login attempts and had been locked out. Considering that I do not bank at citizens, I was very concerned and called the customer service phone number in the email. 

The first time I called, the customer service associate I spoke with told me I did not have an account with Citizens. 

I hung up and called again, choosing the Online account services prompt. This customer service associate confirmed that I did have an account with my personal email, and told me he would have the email removed from the account. 

Unsatisfied by the fact that I have now gotten 2 different stories, I called customer support again, and after giving my information to the customer service associate, she was asking questions about what type of account I had, and when I told her I was not sure, I just wanted to check the balance on all accounts, she said " why should I give you your balance if you don't even know what type of account you have with us? '' I then drove 2 hours to the nearest open branch location. I called the bank branch at XXXX XXXX when I left my house to ask the bank to place a hold on all accounts. They said Ok. 

When I arrived at the bank, I was placed in an office with a man named XXXX XXXX. I explained my concern and told him I would like all accounts in my name or using my social security number to be closed immediately. 

He was unable to find an account at first, and had to call customer support. With their help he found 2 old accounts from 11 years ago that were Charter One bank, which Citizen 's bank bought out in the past. 

I agreed that those were my old accounts, but I stated concern that my personal email was sent a message about a login attempt to an account which has been closed for 11 years. It did not make sense to me, or XXXX. 

XXXX called Online services, and got the same type of run-around that I did earlier today. 

XXXX also called another number, to a third party Credit card vendor that I also had an account open with the bank, which I do not remember at all. The last for account numbers of the account are XXXX. 

At this point, the Branch manager came in and asked if she could help. After explaining the situation to her, she told me that " maybe a computer glitch from another customer triggered the login failed email '', but this story does not make sense to me. 

I am rather fed up with Citizens Bank giving me the runaround, and if my exhusband has been using my identity again, and they are allowing him, I will proceed with the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Recently, I had 2 Citi credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. Citi decided based on just XXXX, not all credit reports, to close all my Citi accounts. I have had credit cards with Citi for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at Citi and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. Citi then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with Citi. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( XXXX ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with Citi. My banking actions with Citi are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.

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