vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
Was contacted by XXXX regarding a debt from a loan company balance credit in the amount of {$2400.00} for a {$600.00} loan. First call I received at my place of employment was from XXXX XXXX a government compliance officer that was going to come to my home or job to serve me court papers left message on my work phone my moms phone and my personal phone with my personal information including my social security number. Talked with XXXX from the number XXXX. Made arrangements made 3 monthly payments of {$240.00} and one payment of {$170.00}. Well after doing research balance credit is not a legal loan in Ohio so I was only responsible for the principle balance so I stopped all future payment. This company harassed and makes threats and also pretend to be government worker used to threaten people into over paying on debts. They also would provide me with proof of the debt in written and threatened that if I didnt pay they would sue me without debt verification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL LOCKED MY ACCOUNT AND WILL NOT UNLOCK IT UNLESS I STEP INTO A BRANCH. I WORK VERY LONG HOURS AND MY ONLY DAY OFF IS SUNDAY. 

THEY LOCKED ME OUT OF MY ONLINE ACCOUNT AND BLOCKED ALL MY DEBIT CARDS, SO I HAVE NO ACCESS TO MY MONEY! 

THEY SAID THEY WILL UNLOCK MY ACCOUNT IF I FAX IN MY DRIVERS LISCENCE AND SIGN MY SIGNATURE 5 TIMES. ( I HAVE HAD A XXXX SINCE OPENING THIS ACCOUNT AND MY FUNCTIONS ARE WORKING A BIT DIFFERENTLY )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Navy Federal Credit Union allowed the compromise of my accounts, 2 checking, 2 savings to be compromised and emptied of {$7400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a subsequent complaint to Complaint No. XXXX. I received by XXXX information from my mortgage company ( XXXX ). They sent to me what I have marked as ( Exhibit A ) which consisted of some of the documentation I sent to them when requesting assistance along with a contract I did not receive which is noted without my signature. In the letter that was sent with this packet XXXX  ' representative stated that they offered me assistance in which I did not cooperate in supplying needed documentation. I have enclosed Exhibits B thru K of what was sent to them with dates in the form of emails and letters. My Exhibit L is the receipts of mortgage payments with dates made to XXXX. I had this same issue with XXXX in 2016 however, I did not know that I have any recourses available to me so I agreed to paying a month and a half mortgage payment for six months in order to become current because they did the same stall tactics that they are doing now. In their letter it states that I was offered two months without a mortgage payment after which they would report me late. That does not make sense I continued to make the payments timely and the only reason I reached out to them was to be assured that I would not receive another late report. I would appreciate any and everything you could do in this investigation to have them remove this black mark on my credit. Thank You

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 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
My mortgage was sold on XX/XX/XXXX. I had just finished a modification and it was converted to a permanent modification however I had not received paperwork in the mail because my 3rd trial payment was XX/XX/XXXX. No one ever notified me and informed me my loan was transferred. Most of XXXX I was very ill. I am mentally and physically XXXX after a car accident in XXXX. I never expected to have to wonder where my next meal was coming from. I had attended and have to college degrees. one is XXXX XXXX and an XXXX  XXXX. 
XXXX my prior servicer didn't ach my payment so I called and they informed me they no longer serviced my loan. I called SN servicing and yes they said they were my new servicer but I had a problem sending money to someone based on a phone call. I felt I should have been informed and turns out they had 15 days they just did not do it. I had to do a modification because we got behind when my nephew was murdered, like I said XXXX and XXXX were times we didn't live we were surviving. According to XXXX my first payment was XXXX XXXX so they had time to get everyones paperwork. Come the XXXX I called to pay and they would not accept payment. 
We had already been having problems because they told me I was denied my modification even though I mailed them the trial and proof of all payments. They said either way because I didn't pay XXXX and XXXX I breached my contract. I filed ch XXXX to protect my home and I was unprepared for any of this. My husband had to leave his job from XXXX to XXXX to be with me XXXX hours a day because my XXXX were out of control and happening daily. In my accident I broke my XXXX and suffered a XXXX XXXX   XXXX  which left me with little XXXX XXXX  XXXX and XXXX but I am so blessed I can walk talk and live a normal life. I can't handle stress and I was aready losing my mind. I raised my nephew. Long story shorter they cut me off from webpage and denied my payments to put me in default. I transferred to them current but they claim I am around XXXX behind on my mortgage and refuse to show me the numbers. I was denied because of a ch XXXX discharge. I filed ch XXXX. need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: NJ

Complaint narrative:
A record of bankruptcy appears on my credit report. I have never filed for bankruptcy and have a credit score of over 800. However, my father has the same name as me, and filed for and completed bankruptcy in 2018. I contacted Equifax who completed the investigation within the required 30 days. They have determined that the bankruptcy is mine and not my fathers and refused to remove it. They told me to contact the bankruptcy court and write a letter to them providing copies of my father and mine license, social security cards, and the letter of official bankruptcy discharge which shows my fathers last 4 digits of his social. They also told me to call the court to see if they can email them. I will be completing all of that today as well as contacting my attorney as I feel this is unacceptable because all thats needed is to check the bankruptcy against our respective social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: SC

Complaint narrative:
Equifax is reporting incorrect and unverifiable information on my credit report. It's been 6 months going back and forth with them about XXXX XXXX and XXXX XXXX XXXX. It troubles me that XXXX and XXXX resolved this dispute in a timely manner but Equifax continues to verify. No pertinent information listed nor who actually verified the information that I disputed. I see no point to dispute it with them anymore. I intend to take it to another level. please note that this bureau is violating the FCRA. I've sent the identity theft report and all formal disputes stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion and XXXX have not removed fraudulent inquiries from my report.

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 2019-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage Services sent me a notice in or about XX/XX/2019 that they are now the attorney of record in a case, Index # XXXX, Supreme Court, XXXX County, New York. 

NY CPLR 2106 requires a law firm to file an Affirmation stating that they have examined all the documents pertinent to the case and found them to be correct and true. Failure to file this Affirmation has led to dismissal of the case in many instances. PHH failed to file an Affirmation with the Court. 

My case must be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I found a debt collection from IQ Data International in my account. It opens on XX/XX/2019. Original Creditor name : XXXX XXXX, CA. I have no idea what is the amount and what is that for. I submitted the dispute to the credit bureau already but it doesn't work and give me an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I paid off my auto loan with Santander on XX/XX/2019 after 29 months of payment. My payment was a weekly payroll deduction. Upon paying off my loan Santander reported me late for the month of XXXX. I am attaching payment history that shows my weekly payment history for the past few months and proves that I was not late in XXXX. I would like the rating changed immediately as I am in the process of buying a home and this is severely affecting my ability to qualify for the loan. 

XXXX XXXX refuses to confirm balance information that they sent me with the credit Bureaus and they are reporting that I have 2 accounts with them. I only have 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX and Equifax have not removed fraudulent inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have a loan with NELNET XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This is the third Dept collector coming after me for the same account they sent me documentation about a motion in which they never file the motion and once they file the motion they didnt include the proper information no court date was included only the court room and time I say for supporting documents a contract a phone number or address or any information obtained into this account they could not provide me with anything I called over to XXXX XXXX XXXX which is XXXX and XXXX and they ran my credit and social and birthdate and my address all the way to 1990 and theres no information stating that I old XXXX a bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently submitted a complaint regarding my XXXX XXXX  - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently submitted a complaint regarding my XXXX XXXX - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.

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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Credit Card monthly payments drastically increase after a confusion over the phone. I applied for the credit card over the phone under the assumption that it be zero interest rate for the first 8 months. However, it became a credit card that incurred a very high interest. The first and only late payment occurred on XX/XX/2019. I called to solve it, which the bank apologized for the confusion ; thus, did not honor my request to make it zero interest as I thought it will previously be. I recently gone through financial hardships with my business. Nevertheless, I continue to make all my payments on time. Because of the confusion and the time span trying to solve the miscommunication I incurred a late payment. The late payment drastically dropped my score.

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 2019-08-26 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:
All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now XXXX, Experian and XXXX  continue to report a discharged XXXX  balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.

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 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 


1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX *XX/XX/2019 * ACCOUNT 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 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I applied for a loan online through Upstart ( located in California ) ( financed through XXXX XXXX XXXX, XXXX, NJ ) on Sunday, XX/XX/19 and it was approved and the funds were already in my account within 2 business days on Tuesday XX/XX/19 totaling {$44000.00}. I decided I did not want to proceed with the loan and on the same day on XX/XX/19 I received the funds and I sent back the payment in full of {$44000.00}. I contacted Upstart and let them know I wanted to cancel the loan and had sent back the payment in full, and was told I had to pay them an additional {$4000.00} on top of the money I received for my account to be considered " paid in full '' for the " financing fee '', although this all occurred within a 2 business day period. The did not apply the total money to the loan balance and the " finance fee '' continues to grow daily at a rate of 25 %. Loan # is XXXX. I would like the account closed, considered " paid in full '' or " cancelled '' and removed from my credit report. This is a extremely predatory practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : XXXX 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Capital One Silver {$980.00} should be {$710.00} XXXX & XX/XX/XXXX Capital One {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!

Company response to consumer: Closed with explanation