vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I was a full time student in XXXX and was receiving unemployment insurance benefits via mass DUA. 

I applied for an unemployment deferment and sent in the form and supporting documentation confirming my awarded benefits. 

Some months later I was told that my deferment was not processed because the information that I sent them was not sufficient. I followed up multiple times to find out what exact form from MA DUA was needed by them. I got varying answers, from agreement that the information met the requirements to denial that it was proof. I asked for follow up from a manager. Months passed ... .I never got follow-up on my issue. I called XXXX and had a conference call with Nelnet in XX/XX/XXXX, again asking to send an example of the Massachusetts form that they needed as proof. I was sent a form to reapply for an unemployment forbearance. 

I have never gotten a rational reply to why my request was rejected and in the meantime my credit is being destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I lost my job on XX/XX/2020. Last week I requested to defer payments for my car loan and was approved to defer the next payment to XX/XX/2020. The lender send me an email confirming this on XX/XX/2020. This morning XX/XX/2020 the lender submitted a debit against my checking account for the payment that was scheduled for XX/XX/2020. I contacted the lending institution to inquire and they advised that while I was approved for an extension of the due date the auto pay function in their system had not been disabled and had to be requested separately. On XX/XX/2020 I requested to have the auto bill pay functionality turned off. The lending institution advised I would have to dispute with my bank. Note : When the request for an extension of due date was made verbally the lending institution did not advise that the auto bill pay function had to be requested to be disabled separately and the email received confirming approval of change in due date did not advise that the auto bill pay functionality had to be disabled. On XX/XX/2020 I contacted my bank to initiate a dispute and also put a hold to decline any future transactions from the auto lender ( which I will have to have removed when am able to resume payments ). My bank also advised this hold may or may not  stop the current payment and if does not will have to wait 3 to 5 business days before disputing. I have no concerns with the handling by my bank. IMPACT TO ME : Currently I have XXXX XXXX  available in my bank account. While I have filed for unemployment and am actively looking for work I have no idea when or how soon I will get any income. FEEDBACK TO LENDER - when an approval is made to extend payments your system should be able to recognize this regardless of if the consumer is enrolled in auto pay. You as a lender have an obligation to either 1. Ensure the auto pay function honors the new due date, 2. cancel auto pay without requiring consumer to request, and/or 3. Advise the consumer they must request to cancel auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I received a phone call from Kingston Data Credit International saying I owed a gym membership which I cancelled via certified letter. I was told by the collection company that I needed to pay {$170.00} or that the company is going to report this to my credit report I even have a voicemail from a woman saying the same thing. I have received no letter from this company or correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XXXX is the loan Fay Servicing is servicer. 
I was behind on the loan about 3 mths. Explained that a combination of XXXX on my XXXX  and major repairs required on the property. I sold one property on XX/XX/20 and paid XXXX {$150000.00} + out of a previous payoff of {$250000.00} now they are saying I still owe {$110000.00}. Their final should not exceed {$100000.00}. ( 1 ) They fail to give consideration to the waiver of default interest since it was due to illness. ( 2 ) They have failed to refund me for insurance that they bought and should cancel and refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have never done business with BoA - I just recently moved to the XXXX XXXX area and I'm being told that there were accounts opened in my name using my information. 
I've been a victim of Identity theft before and thought this was cleared up - I am not able to open an account due to this. 

Please assist.

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 2020-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Original Charge XX/XX/XXXX XXXX tickets {$740.00} Tickets were supposed to be XXXX championship Tickets we were purchasing. But when after hitting Pay key we double-checked the verification screen and realized we had paid for a venue of XX/XX/XXXX 23 days passed! We pulled up the shopping cart and tried to cancel. It would not cancel. 

I called the merchant XXXX but could not get through to them. I then called Capital one bank and tried to block the purchase. The Capital one representative told me it was not on the computer yet so he couldn't block it. I asked him to flag it to be blocked. He said he could not do that either. The next day I traveled to the bank personally and asked the customer rep to cancel the charge. He said he could not because it wasn't on the computer yet. 

Confirmation came 2 weeks later for the proper game at the proper venue but I had already blocked the charge and canceled the transaction, and asked for an investigation TWICE. Second investigation XX/XX/XXXX after the second so-called investigation I asked to see the paperwork they used to investigate. The ( CAPITAL ONE BANK } sent the paperwork to me showing that they investigated an EXAMPLE not the actual computer page time-stamped, I had paid. This FRUAD was accepted by Capital one bank as prove. It was not the form I paid.XXXX They sent them 14 papers, page one second from bottom line an EXAMPLE of someone's paid receipt NOT MINE! They XXXX probably destroyed the original. I spoke to XXXX face to face at the Capital Branch Branch bank in XXXX, LA also XXXX the manager. Both did what they could and filed again. I was told after calling to check, The investigators had not and would not speak to me. They did their investigation and I had no other recourse and that it did not matter what the Branch people said. ( XXXX XXXX would not give his last name. 

I then emailed the Bank CEO Mr. XXXX XXXX and explained to him how I thought his people had been snowballed by 14 pages of ( EXAMPLE ) and not an actual copy of what I had paid for. And making {$1400.00} per month had caused hardship by his bank Their improper investigation and procedure for stopping payment. NATURALLY, I did not even get an acknowledgment of my email by MR. XXXX, I guess the little guy really does not matter. 
I want my {$740.00} and I feel it was stolen from me by the Ticket Company and the incompetence of the Capital One investigators. XXXX XXXX XXXX. 
Account Number XXXX. Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I can not access my consumer report because it is not available in an accessible format. This reporting agency only provides reports by U.S. mail, which is not accessible for a person who is XXXX. This is important because I was just denied the ability to open an account based on information on file with this agency, and I am unable to meaningfully exercise my report-access rights under the FCRA.

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 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I contacted my loan company M and T Bank about placing a forbearance on my mortgage payments due to COVID, which are XXXX a month. They agreed to a 6 month forbearance but, when I asked that the payments be placed on the end of my loan, they said they could not do that. I mentioned that was an option under the CARES act, but they only said they could review my situation at the end of the forbearance period. 

When I asked if all my payments would come due at one time at the end of the forbearance, they said yes. I then mentioned that under the CARES act, that I could avoid that, but all they kept saying is that they would review the situation at the end of the six months. 

I am now in a forbearance plan facing an uncertain future about what I will owe at the end of six months, and the consequences of what will happen if I have to pay 6 mos of mortgage at one time. 

Thank you for your assistance in this matter.

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 2020-04-20 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-20 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
on XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX  in the amount XXXX including taxes and tags ..the car came with no XXXX in which the dealer website states that they provide you with a XXXX for each car .. on XX/XX/XXXX the XXXX XXXX transmission stopped while XXXX traveled to work ... XXXX the carsaleswomen assured me they would fix the transmission nd I have my car back ... wasn't provided with a rental or loaner car for the duration of the time I needed to travel ... on XX/XX/XXXX I returned to XXXX only of XXXX to explain to me that they still hadn't fixed the car .. so I said to her I had to wait or I can be reimbursed for the other vehicle .she explained that a refund was outta the question and that only option was finance .. I stressed that I didn't want to finance cause I didn't want the headache, I asked for a refund and she refused again. she proceedsto offer me finance options, the pressure was heavy and I was sure because of the demographics I wasn't getting my money back .my back was against ..I noticed the agreement was trumped up the car asking price was XXXX, XXXX reports its value XXXX ... ... however the contract states XXXX I'm guessing she used to get over on person who reside in poverty stricten areas however I feel like my human rights was violated. As well a the proper documentation which would have allowed me time to make a decision ... I also had to repair the tires rotors bearrings, front light bulb and both sets of brakes ... she went into the office with whom ever the owner is and then cam out with scheme I was also told I had to get the warranty upon checking the warranty didn't provide the necessary coverage that was needed .. I then brought the car a few months ago to a side dealer who on XXXX XXXX whom jfixed the timing belt ... after I noticed that when I accelerated the peddle the foul smell of burning rubber would come arise ... I took the car back to the dealer only for here to ask if she could refinance my loan thru the bank to lower the payment and add 2yrs on the the current five year loan she stuck me ... also the person who generated this contract name is XXXX XXXX XXXX XXXX, CREDIT ACCEPTANCE 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 2020-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP
State: CA

Complaint narrative:
Bank does not let me transfer money out. 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was canceled for no reason ( Item # : XXXX ). 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was also canceled for no reason ( Item # : XXXX ). 

The bank would not let me transfer out more than {$25000.00} under any circumstance, even during the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I owned joint account at Chase Bank for the past 6 years. On the beginning of XX/XX/2020 my husband received the letter from the bank stating that Chase wish to terminate relationship with my husband and therefore the account was under the consideration of being closed. immediately after I as a primary owner of the account contacted chase customer service with an attempt to resolve the issue. the account manager which i spoke to directed me to bring the issue to one of the closest branches and remove my husband from the account to terminate his relations with the bank. Important detail to mention, the account manager looked up my information and stated that there is no actions from the Chase side towards my name, which means I myself continue to be a loyal Chase customer. To mention that at no point through this whole situation I received any messages or notifications from Chase. As well nowhere in my mobile app account or anywhere else i saw any indications that I and my chase checking account was at any jeopardy. Only to learn that on XX/XX/XXXX in such devastated time in our country and around the globe chase bank did not accept direct deposit from IRS with so much needed stimulus money from the government. On XX/XX/XXXX I contacted Chase customer service again and was notified that my account pending closing, furthermore I was not given any explanation or timeframe how does this effect my existing funds on my account, or when I will be given my money back with some explanations and resolutions. Important thing to mention as of right now I am denied access to my funds and yet not given any explanations or guidelines how to proceed with an issue. As well worth mentioning that denying IRS governmental stimulus deposit in the time when my family in such financial distress and my husband out of work was illegal and against federal policies of putting everything on hold to relieve financial burden caused by COVID-19 virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Conn's, Inc.
State: TX

Complaint narrative:
On XXXX XXXX a payment for {$110.00} Was made to company of Conn Appliances , Inc. which is on time. On XX/XX/2020 a second payment was made of {$99.00} which was a early payment to close out the account entirely. 
Conn Appliances , Inc. Incorrect reported to my credit that my XXXX payment was passed due and that the account was still open. 

Ive tried to dispute the problems with the credit bureau but the only result was the change in account status from, from open to close. I tried a second time and still no success in the removal of the pass due payment. 

Ive fought and fought with Conn Appliances , Inc. over and over to correct the problem but no results. Ive sent demanding letters and have recordings and emails of them owning up to the mistakes made. Ive also have confirmation number to support my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WAFD BANK
State: OR

Complaint narrative:
I went into a branch in XXXX, OR in XX/XX/2020. I asked to withdraw the remaining {$100.00} out of the account and close it that day. They told me I couldn't close the account or withdraw the funds. I was told they would look into this situation and I never heard back. I was shocked with their response and I'm XXXX years old and don't live anywhere near a local branch, it's a 200 mile round trip for me. I have never been told, " I can't close my account and withdraw the remaining balance ''. The account is active and I still get statements but I wish to close it and withdraw the funds now. This account is in good standing and should have been available to me to take care of in XXXX. I want a full explanation of why they turned me away and I want them to get this done immediately and send me a check to my PO Box .

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Hello, My name is XXXX XXXX and I have disputed a collection account with the credit bureaus and the collection company ( LVNV Funding LLC ) on several occasions now. I disputed with XXXX, XXXX, and XXXX  on the following dates. ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - and XX/XX/XXXX ). They never validated the debt. They only sent response letters stating verified without providing me with the proper proof of verification based on the law. After my third round of disputes, I was asked to provide two for of identification, but i had been attaching my Valid State ID and Social Security ID since letter one.The amount is for {$410.00}. I sent all mail certified and notarized. I recently seen that XXXX  has deleted the collection. However, XXXX  and XXXX  has not. If XXXX  couldnt validate the debt, how can they? This is not my account and I need it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I AM VICTOM OF AN IDENTITY THEFT AN THE THE FOLLOWING ACCOUNT HAS BEEN OPENED WITHOUT MY CONSENT OR MY KNOWLEDGE, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. 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 explanation