vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My father added me to the house deed. My XXXX  took out a loan and we thought the debt was paid off XXXX years after her death, because of a letter stating your mortgage has been paid thinking she had paid for the debt forgiveness after death. My father had refinanced the house not long before we received the letter We waited for around a few months and received nothing about a loan payment and checked recorders wesbite and no debt was owed on the house. He put me on the deed to the house, thinking he was able to give my family the house. My father took ill from XXXX and entered hospice at the house. I received a letter from freedom mortgage stating the loan was in delinquency. Apparently the incorrect address was put into their system. At the time I didn't have a job that payed well. After his death, calls from some company started on his phone, they wouldn't say who they were nor speak to me and would hang up when i told them he wasnt around. A few months went by and they started calling me, once again not telling me who they were or what they wanted. Not sure how they received my number. After the house has been in delinquency for many months they finally told me they were XXXX XXXX, by then the amount was far more that I could afford to bring the mortgage up to date. The debt went through many companies. XXXX XXXX, Mr. Cooper, XXXX XXXX, XXXX and now resides with XXXX servicing. I received a summons to remove my XXXX, XXXX kids, XXXX XXXX  and myself from the property with XXXX bank as the trustee. I have nothing to do with this mortgage and the only options they give my family are, refinance from XXXX to XXXX. XXXX XXXX to bring the mortgage up to date, or get out. XXXX is what the principal was, now it is around XXXX with delinquency, which they expect me to pay to keep the home. Everyone I have spoken to has told me something is not right with this and I have to agree, including my bank when I tried to get a load to bring the loan to date. I tried to and got pre-approved for a home loan in order to move away from this house, seeing how my options here were not financially feasible, having to pay XXXX on a house valued at XXXX, not to mention the absurd amount I would need to spend to do repairs to the home. I received a call around an hour after being pre-approved. Apparently because of the debt on the house I am not able to get a loan to move my family away. Because of the actions I have no way of getting a loan, i was informed by the loan company i spoke with, to get a normal loan would take XXXX  months to get an FHA loan would take XXXX years after my name is no longer on the deed, over a loan that is not my responsibility. From the information I have gathered and the timeliness in which these actions happened from the loan companies I feel like some things were procrastinated with the intent of this specific outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I attended XXXX XXXX  and was part of the XXXX et al. v. XXXX XXXX XXXX XXXX lawsuit. The case number is XXXX, and my class member ID is XXXX. I received an email on XX/XX/XXXX stating that the Department of Education has aprroved my claim for discharge of my federal student loans. I was advised that the loans would be discharged within the next 180 days, and that the Department of Education will not continue any collections activity on the loans. However, upon reviewing my credit reports, my balance in XX/XX/XXXX increased from {$75000.00} to {$76000.00}. It has been almost a year and a half since my discharge was approved, and instead of my balance going down as it should since it was discharged, it has increased. I have not received any update as to the status of my discharge or refund, if any. I submitted documentation that my wages were previously garnished by XXXX which caused severe financial distress, and these loans are still continuing to cause financial distress over XXXX  years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I XXXX XXXX am I writing in regards to inquiries on my report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I believe that I am paying to much a month for the loan. It's beginning to get a little difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Violation of 15 U.S.C 1681

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I demanded a refund for services charged but not authorized by me for the amount of {$180.00}. The idiots thought it was about identity theft and bungled the whole process. I am frustrated they can take money with no accountability.

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 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX, I received a call from someone claiming to be from Chase bank. They explained that a wire transfer was pending and wanted to know if I had authorized this transfer. I immediately hung up and called my bank, Chase. They said there were no pending transfers. They asked if I had the number that had contacted me, and I told them yes and provided the number. The representative told me that this is in fact their fraud department number. I told them I was not authorizing any transfers from my account. They stated they saw no pending transaction. I disconnected with them and about XXXX minutes later the number called me back. At this time, I believed it was truly Chase bank calling be back because the customer service representative from Chase said it was their fraud department, and I took the call. However, this was not Chase Bank calling, as I would find out later. The person on the other line explained that he was from Chase, and he needed me to access my mobile bank app and give him the last two transaction on my account. I did and when I did this, he was somehow able to link into my account through my mobile app. He transferred all my money from 2 accounts into my checking account assuring me this was needed to protect my money, then he put me on hold and never came back to the line. Within a few minutes all of my money was wire transferred out of my account. As soon as I realized all my money had been transferred and was gone, I called Chase they tried to stop the transfer, but they said it was too late. I was in shock and could not believe this had happened. This was my whole life 's savings and every dollar I had. They asked me if I wanted to submit a claim and I said yes. The first question they asked was did I authorize the transfer and I stated I thought the caller was from Chase and was only transferring my money into one account, but I did not authorize a wire transfer. They asked if I had given my password or account information out to anyone, I stated no. He told me my claim was denied. I hung up and went to the bank. The bank teller helped me to change my account numbers. She also spoke to someone from Chase on the phone about this and explained that I did not authorize this transaction. She said they were looking into it and would get back to me. I received notice on XX/XX/XXXX, that my claim was denied because the bank determined I authorized and or benefited from the transaction. They have audio recording of me calling each time asking about the transaction, stating I am not authorizing a transfer, and the representative confirming this was Chase 's fraud department number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Myself and a co-borrower ( fianc at time ) financed a vehicle through XXXX. At the time of the purchase I was the co borrower on the acct. I refinanced the car through capital one and all was well, or so I thought. A couple weeks after the refinance, Capital one rejected paperwork related to the title stating it was submitted incorrectly. I tried submitting multiple times after and each time it was rejected. The co-borrower and I are no longer together, and he is now unwilling to sign any more documentation. He has had the vehicle in his possession for the last XXXX months and is unwilling to return it to me. Ive reached out to the police and my local DMV and neither were helpful. According to the DMV he is still on the title/registration as an owner and it shows XXXX XXXX as the lien holder. So legally they cant take the car from his possession. 

I cant afford to pay for a vehicle I dont have nor using, and have been forced to find other means of transportation. Ive tried reaching a resolution multiple times with Capital one to no avail. Capital One stated because I dont have the vehicle, and there are issues with the title paperwork, I am unable to voluntarily surrender the car. They also stated that the title issues would prevent them from being able to fully reposes the vehicle. The car payment is now months behind and my credit is being severely affected. They are demanding me to pay for a vehicle I dont have full ownership to. I feel capital one made a mistake and are making me pay for it. Im stuck with a {$25000.00} bill for a vehicle I dont have and doesnt fully belong to me. I would never agree to these terms and would not have gone into business capital one had I have known. I feel they are very deceptive and unwilling to take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I had called back in XX/XX/XXXX and spoke with Chase Bank financial auto about what I could do to get some assistance for my XXXX XXXX XXXX. I had spoken to a representative and he had said that they were allowing customers leeway in paying back monthly payments that they couldnt properly provide at the time for each month for payment. I had lost my job in XX/XX/XXXX because of Covid. I could no longer pay my bill because the company I was working for was laying people off because they couldnt afford to pay their employees during a time of a entire country closing down lines of business, loss of employment and laying people off. ( United States of America ) Going into a new year of XX/XX/XXXX. I was just getting off of work from XXXX XXXX in XXXX Colorado. I had a car repo man park behind my vehicle, saying that hes coming to repo the car. I said I had an agreement with Chase Bank that I didnt have to pay until the end of the contract to have it in full for my agreement because of Covid-19. He laughed at me and said no were coming to get the car and you need to get all of your belongings out and talk to your car loan company. I never received a call I never received an email or a letter in advance that if I didnt pay that they were going to repo the vehicle. I had no car on XX/XX/XXXXXXXX XXXX XXXX XXXX. Became almost nearly homeless that year when I was almost making XXXX figures. I ended up having to leave my home in Colorado because of this issue and couldnt figure out a way how to get to work and back because my car was repoed. I tried to contact Chase Bank and asking them as to why their representative told me that they were giving out Covid assistance during a time of need and hardship. They ignored my request of proof of recorded calls from XX/XX/XXXX up until XX/XX/XXXX. I was misled and lied, and not treated with and type of empathy or acknowledgment that I needed during the time of my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Initially submitted SAVE application to Nelnet on XX/XX/XXXX to decrease student loan payment. XXXX said I was qualified for SAVE plan. Nelnet put account into administrative forbearance for 3 months and had not processed SAVE plan. Submitted CFPB complaint on XX/XX/XXXX for Nelnet to change my account to SAVE plan. On XX/XX/XXXX, received letter in response to CFPB complaint that my account would be changed to SAVE plan starting XXXX of XXXX. This new complaint has to do with the interest that has accumulated in the time between submitting my SAVE application on XX/XX/XXXX to when interest was frozen on or around XX/XX/XXXX. Around XXXX XXXX dollars of interest needs to be written off the total balance as my SAVE application was completed and submitted during this time and was not processed due to Nelnet not fulfilling their duties as a loan servicer. Total loan balance as of today is listed as XXXX, if interest was correctly frozen after time of applying to SAVE plan on XX/XX/XXXX and plan was implemented correctly and ethically, total balance should be around XXXX. Nelnet has done absolutely nothing to amend or respond to their unethical processing times of these applications resulting in interest that should not have accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
XXXX  XXXX This company didnt have the authorization to run my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Regional Management Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXXE # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa XXXX twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
XXXX  XXXX This company didnt have the authorization to run my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed Portfolio Recovery Associates on my credit report and I've never had a XXXX XXXX  and Portfolio Recovery Associates is claiming I owe {$800.00} based on last report. However, when I contacted them, the information they have does not match and they are unable to share or provide ANY information linking me to this account. This is 100 % against CFFB policy and they should be fined for trying to collect a debt that is not owed. 

In my complaint, they send a credit card statement with someone else 's address in California ( and I live in Florida ). Also, despite responding to the complaint they have refused to remove the fraudulent attempt to collect a debt without validating the debit. I hereby request once again the below information. 

Portfolio Recovery has REFUSED to provide the below : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Signed agreement, and application/contract that validates the agreement between XXXX XXXX and XXXX creditor. This was never shared, so it's evident this is fraud. 
Detailed view of what the debt is for, including a signed receipt for any goods & services you're trying to collect this debt for. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to a collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
In XX/XX/XXXX my wallet was stolen and a rental car was taking out on my card using my id, the id and the debit card had two different names on them but was still able to be used, at the rental car company. I called and disputed the charges and they told me that it would take 10 days to investigate. After the XXXX  days I was not contacted or sent a letter stating the findings, XX/XX/XXXX they put my account in a negative balance of XXXX $ and said that there was nothing else they could do about the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation