vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have 13 bad ( late payments ) marks on all three Bureaus. Which is a reflection not of my timely payment arrangement but the handling of paperwork sent to Nelnet. For 3 years or close too, I have been sending in information on not making enough to repay my loan. I make under XXXX a year, have 8 children and qualify for the {$0.00} a month payment  deferment plan. This has been worked on for years. Every time I send the paperwork for them to process or fax them the paperwork, it gets lost. During this time of " Losing '' paperwork, they get interest. Shocking that the interest keeps growing and my paperwork has yet to be found. After numerous calls and debates, they finally " find '' one of my applications and get me on a payment plan, starting this month! So 13 negative reports on my credit report, with all 3 companies, a total of 36 negative reports, because nobody could find any of the applications that have been sent in.

Upon further investigations, I am one of thousands that this happens too. I am currently seeking someone to help everyone that has had this problem since Nelnet can't fix the " reporting issue '' knowing I was a {$0.00} a month eligible. XXXX pay from XXXX to XXXX hasn't changed, yet I have to pay the price for someone not doing their job with my paperwork and possibly hundreds and thousands of others. The XXXX has so many complaints about this situation, it is sickening. 

What I would like done is a lawsuit against this financial institution for their unfair practice and scams to gain interest through not processing paperwork timely, correctly or at all. As a XXXX veteran, I will take this to every outlet possible to hopefully get this fixed for myself and hopefully others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My wife and I consolidated our private and public student loans back in 2005. The original servicer was Sallie Mae. The servicer is now Navient. 
Navient informed us this spousal consolidation loan can not be refinanced nor separated by borrower, for purposes of refinancing with another servicer. This " spousal consolidation loan '' is no longer offered ( I wonder why ) nor eligible for any type of refinancing relief. Yet, as a XXXX military vet, I am told a guarantor will be the one to separate the loans for purposes of determining what loans belong to me, and therefore forgiven. Why can't these loans be separated now? 
We are both in the XXXX XXXX industry and eligible for PSLF. But can not go that route because of the barriers caused by spousal consolidation loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC
State: WA

Complaint narrative:
This complaint is about finance of America. They purposely held onto my loan documents & refused to send them to the escrow/title company. I was forced extend the closing date from XXXX/XXXX/2019 to XXXX/XXXX/2019. Which was done on XXXX/XXXX/2019. This left me homeless with no address. I'm a single mom with XXXX year old son. Unable to get a hold the loan officer handling my case, he refusing to return any of calls/text messages/emails. Leaves his office early sometimes doesnt show up at his office at all. The realtor involved has lied & made excuses as to why the process is being delayed. I have tried to work with the office manager  for finance of America, but felt I was being told a story. I feel like this is fraudulent scam & im being taken advantage of, as I have paid for earnest money {$2500.00} cleared my bank on XX/XX/XXXX. Inspector was paid in cash on XX/XX/XXXX. Paid appraisal {$700.00} cleared my bank on XX/XX/XXXX. Now I'm being told that I can't get any of that money back. I was supposed to sign & get my keys on XX/XX//2019. With the lack of communication from the loan officer, this has left me homeless with no money, no address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citicards Cbna is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until XXXX, Transunion and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an XXXX park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until XXXX, XXXX and Experian have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to  keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!

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 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I paid the debt I sent yall a document showing it was paid the debt was threw Diversified consulta Just want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
I have a home mortgage with Provident Funding and we have repeatedly run into issues with poor service and process requirements which are a detriment to their customers. 

My most recent issue : My home received wind damage to the roof from a thunderstorm. I received a claim check in the amount of $ XXXX from my insurance company made out to me and Provident Funding. I sent the check to Provident for endorsement. First, they deposited the check in their own account rather than endorsing it and sending to me. Provident then held funds for 5 days.. After which they issued a check to me AND the roofing contractor. This now forces me to only work with that roofing contractor for the full amount. I am unable to withhold funds if there are issues that I want the contractor to resolve before full payment. 

I called Provident Funding customer service. The customer service agent said that issuing to the contractor was a requirement of their investor, XXXX XXXX. I asked them to send me documentation of those requirements and they refused. ( " We do not email our customers, even at their request. '' ) I then reviewed the posted guidelines from XXXX XXXX online and the guidelines do NOT require this. I raised the issue to the customer service manager, XXXX, and he acknowledged that the current guidelines do not require this. However, he then claimed that the posted guidelines were " new '' and Provident was not required to follow those guidelines for another month.. Since we both agreed these were the current guidelines, I asked them to re-issue my check per the guidance from XXXX XXXX. He said that regardless of the current guidelines, Provident was not required and so, NO, they would not. He made no apology for their delay in following the guidelines. 

My complaints : - Provident provided me with false information about current guidelines. They only acknowledged the error when I researched and pointed it out to them. 
- Provident is intentionally delaying their adoption of the current guidelines for their own profit at the expense of consumers. They are doing this by holding claim money longer than needed so that they can collect interest which is not rightfully theirs. 
- The attitude from their customer service manager was poor. 
- They refused to provide me anything in writing to back up their claims. They told me to " XXXX it '' myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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:
This account is reporting inaccurately on my credit report XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had no luck escalating my complaint with their customer service department so if you could please forward my email to the correct people to get it resolved. 

This complaint is regarding claim number XXXX for {$130.00}, I was sent an unable to be paid letter back in XXXX, the letter state the merchant had rebuttled my claim, and that their rebuttal is attached, there were no documents attached, so I called up your customer service line the first time, they also could not find their rebuttal documents, so it was escalated the first time. I called up a few weeks later to find out the status of the escalation, and they said a letter had been sent out, so I wait a week later and I get the same letter I got in XXXX, saying unable to pay and the rebuttal is attached, so I called up again, repeat the same process, and now for the third time I am receiving the same letter with no info. Very frustratedly I called up again and explained the situation and they said due to being unable to pay they cant help me, now I understand getting the unable to pay letter but I am supposed to have the chance to appeal to whatever the merchants rebuttal is. I have never received that chance and am out the {$130.00} that I dont believe I should have been charged for. 

Can you please address this, this has been going on for far too long.

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 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
XX/XX/2019 {$6200.00} including the post-judgement interest {$110.00} They sent me a letter saying the amount due on the day I pay may be greater. 
I saw the plaintiff name is " XXXX XXXX XXXX XXXX. '' I have never owned anything from the original creditor ( XXXX XXXX XXXX ). 
I searched and found out these company have same issues as mine. 
I can not understand why these scammers can keep their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
How are you, I am going to appeal the finance department of Citi bank customer service, I should receive {$400.00} for new checking and saving account opening based on their promotion, but Citi bank does not honor promise ( case XXXX : The requirement is to deposit {$150000.00} to the new eligible checking account within 30 days of the account opening ). I opened a checking and citi saving account at XX/XX/19, as same time I provided my personal account info ( from XXXX XXXX  ) for transfer {$16000.00} to CITI Bank, but within 30 days they didnt do it, regarding this I called them more than 10 times ; they did apologize for their error that caused to transfer the fund late. Due to their mistake, CITI Bank should give me bonus {$400.00}, but they denied. And they do not want to solve problem. Even when I made call, they immediately dropped out the customer service line for 3 times. I hope that you can get involved and solve my problems as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Loan was started on XX/XX/2019. For the amount of {$820.00} and I have been paying back {$540.00} every month since. My Bank cant stop payment and my account has to be in the black in order to close my account. The payment amount is scheduled to come out on the XX/XX/XXXXof each month but but thy have been requesting it to be deducted 2 or more days ahead. But the time all things are done im in the red and insufficient fees of {$35.00} are placed on other deductions. So by the end of the firs week of new month i am in the red By $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A year ago, on XX/XX/2018, I went to a store to realize that my credit card didn't work. I called the Bank which was Chase and ask about it, the agent told me that all my credit cards from Chase were closed and that no information can be disclosed until I will receive a letter about it. 
I had 5 chase credit card, the Chase Business Ink, the Chase Sapphire Reserve, the Chase Freedom Unlimited, the Chase Hyatt Credit card, and the Chase Ihg credit card. In addition, my wife that was an authorized user on one of my cards, got her only card closed ( the Chase Sapphire Preferred card ). 
Chase claim was that I was requesting too many credit cards in a short time and that was a payment made from another company once. 
Although I had these 5 cards with Chase, they were open over a long period of time ( 4 years ) and they had different purposes. I always paid my bills on time and never had high spending on those cards. My incomes were high enough to justify all the credit limit I had. 
I did pay off once my balance with a check from a company, this was because I had a contract with them and some of my expenses that occurred during my work with them were paid with my personal credit card. It was normal to reimburse these expenses directly from the company 's check. 
I called Chase many time and spoke with many representatives but no one was able to help me with this. 
I'm reaching out to you to help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello! I have had an incorrect collection mark removed from my personal credit report with XXXX and XXXX, BUT Experian refuses to remove it even though I've requested they do so twice now. 
The collection they are citing is from XX/XX/XXXX for {$1800.00} at XXXX XXXX and the debt collection agency is XXXX XXXX XXXX XXXX who have been zero help in this. I settled this debt back in XXXX, this should not be on my personal credit report. 

XXXX XXXX XXXX contact info I was given : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Received a debt collection letter in the US mail from Navy Federal Credit Union ( NFCU ) ( in error ) for {$1000.00}. 

Spoke to the customer service representative at XXXX, XXXX concerning the debt letter. Advised them I CLOSED my accounts. Approximately 2 weeks ago I went to the XXXX branch in Kentucky and closed my accounts. Customer service issues over the years. The representative finally tells me " it was sent out in error, disregard ''. Not willing to send a written retraction. Asked to speak to the manager and was DENIED. I did NOT believe it was accidentally sent out. 

A supervisor by the name of XXXX answered the phone, and told me I closed the accounts improperly and it appeared to be a debt. The XXXX branch closed the accounts, not me! No letter of retraction, or written apology offered. I do not know what to believe from Navy Federal Credit Union. This may impact my credit, so I am sending a copy to XXXX XXXX. This warrants harassment by NFCU. 

I closed my accounts 2 weeks ago and I asked for a cashier 's check. It was given by the XXXX branch in Kentucky. I took the check and deposited in a bank near my address in XXXX, KY. I was a member for 34 years. Retired from the service in XX/XX/XXXX with 24 years of honorable. I have had one problem after another with NFCU. 
Too numerous for this posting! Get wise and bank with XXXX.

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