vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
After experiencing a hardship associated with the wildfires which affected my employment in the XXXX XXXX Area in XX/XX/2019, I made every attempt to secure a Natural Disaster Forbearance with my loans serviced by FIRSTMARK SERVICES, owned by XXXX  XXXX. While all of my other private student loan lenders were willing to work with me, FIRSTMARK SERVICES were unable or unwilling to assist me with a Natural Disaster or Administrative Forbearance on the technicality that the disaster was declared as a FEMA Emergency as opposed to a disaster. I had been previously advised by a FIRSTMARK Representative that I would be able to be placed on an Administrative Forbearance as an exception given the severe hardship the disaster had on my employment, but was disconnected and future representatives were unable to assist me with this information or a forbearance. Again, it must be stressed that all other private lenders were willing to assist me during this difficult time, and FIRSTMARK SERVICES Should stand by their customers during these times as well. 

As a student borrower whom has experienced severe hardship as a result of the natural disaster as previously noted, it is very disheartening that FIRSTMARK SERVICES is unwilling to place my account in a Natural Disaster or Administrative for the 3-6 month period as previously promised for these types of disasters, which has caused significant hardship for myself and family. At this time, I am requesting immediate assistance from the Consumer Financial Protection Bureau in assisting me with the placement of these loans on one of the forbearances as requested during this very difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
when I was informed of these cards I tried to inform and dispute them and they wont remove them. I went through identity theft and have fraud alert and security freeze on my files. I just want them off my report please. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Under Citi Bank 's promotion plan, if I open a new account, deposit {$50000.00} in 30 days and keep them in the account for 60 days, I can get a {$700.00} bonus. I opened the new accounts in XX/XX/XXXX, which is the start of the nightmare. 
When I tried to deposit the money, I received the email stating that I have to submit utility bill & SSN, but I have submitted them and had received the receipt from Citi before ( see attachment 1, 2a, 2b ). It is obvious that Citi 's system had something wrong. Then I tried to contact Citi to figure it out. 
From XX/XX/XXXX, the second day of the new account opening, to XX/XX/XXXX, I have called or chatted online with the Citi agents for MORE THAN 20 TIMES ( see the attachment of Timeline ), struggling to find out what documents actually I should submit, when I can deposit the money, and even who really know the actual situation and give me a certain instruction. Sadly, in the 20-more calls or chatting, different people told me different answers. 
As all of the agents told me explicitly that I can not deposit money into the new account since it is on hold, I had to deposit them after XX/XX/XXXX, when I received the deposit notice. But Citi told me that my account does not qualify for the promotion bonus any more as I hadnt deposited the money in 30 days after account opening. It is so ridiculous! 
Firstly, it is the Citi agents who told me not to deposit the money when the documents were reviewed, which can be proved by the transcripts attached. Even more absurd is when the supervisor of the department rejected my complaint, she told me ACTUALLY I COULD deposit even the account is on hold. Who should I believe? 
Secondly, it is Citis confused management that led to the delay of document review. They kept on requesting the same documents which had been confirmed by their own system, they didnt send even one single message to request form W9 I only know it when I called by myself. I am even not sure when they have received all of my documents. 
Thirdly, Even the agent online who knows all of the processes admitted : since there was a delay of the account opening due to those documentation purposes, I'm sure that our Specialist team can enroll your account for this offer. But Citi just rejected my bonus disregarding all of the process and the records clearly kept in their system. 
I have attached the timeline of the whole case, I have attached all of the transcripts I chatted with Citi agents, and I think Citi has all of the call records in their system. I think it is quite simple to find the truth.

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 2020-02-06 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/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 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: CO

Complaint narrative:
I received a phone call from XXXX on XXXX20. The woman said her name so fast that I could not understand it. She said my name and I told her that it was me, and then I asked who was calling. She simply asked me to confirm the last 4 of my SSN. I told her that I was not going to provide that information over the phone. I again asked her what the call was in regards to and she would not provide me with that information. She once again asked me to confirm my SSN and I told her no. She then stated " well, then I will take that as affirmation of gainful employment '' and proceeded to hang up on me. Today I received a call again but did not answer the phone. They then proceeded to call my husband on his cellphone and reiterated the same thing. He also refused to give out any of my information and they hung up on him as well. I contacted XXXX XXXX to ensure my information/identity had not been compromised and they stated that they did not see any suspicious activity on my account. I have no unpaid debts. I did look up this number and found multiple complaints of this being a scam. I have filed a report with XXXX XXXX, I have also filed a complaint with the XXXX  as well. If this was a legitimate debt, they would not be harassing/menacing/rude/disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I have had a Cerulean card by XXXX XXXX for two months now. The first month I tried to make a payment ( the card had an automatic {$99.00} balance ) I was not allowed to make a payment online. I called in and made a payment by phone and was told they would wave the {$10.00} charge for making payment by phone. so next payment is due XX/XX/2020 Again tried to make a payment and was given the same error message as the first time. ( Error 3811 Credit Account not Authorized to use this application for ACH. This account is marked as unauthorized. Please contact customer support XXXX. ) I call customer support and try to make a payment via the phone system. I enter my banking info and then I'm transferred to customer Service. I'm told that they would wave the {$10.00} fee this one time and then I thought the payment was made ... received an confirmation email and everything. The funds are still not out of my bank account and I got an email from the credit card company say that my payment was declined. There is no activity at all in my bank statement and the bank said that they did not receive a request for payment. I just want to be able to pay my bill, should not be this hard.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, after complaining about an UNAUTHORIZED CREDIT INQUIRY by Quicken Loans, a Quicken Loans employee named XXXX XXXX retaliated by sending me a text from phone number XXXX that violated the Telephone Consumer Protection Act. In that text, after mocking my concern about my credit report, Mr. XXXX attempted to solicit me for debt consolidation : " Let me know if you want to consolidate all that CC debt! '' I don't know how Mr. XXXX gained access to my private credit information after I made it clear to Quicken that I did not authorize a credit inquiry. I would expect them to keep sensitive customer information secured. 

My privacy was violated when Mr. XXXX used that information to solicit me by text for debt consolidation services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Receiving letters from Sherman Originator claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX balance. I havent had an account with them in decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CT

Complaint narrative:
The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/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 2020-02-06 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I recently won a court order to have this account with USAA fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) , 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by Transunion & XXXX  regarding the reporting by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX. Transunion & XXXX  has NOT conducted a proper investigation. Transunion & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. Transunion / XXXX  & XXXX XXXX XXXX has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. XXXX XXXX XXXX has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. Transunion & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )

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 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
Financial Recovery services has been harassing me for a debt since XX/XX/XXXX but they didnt send me a validation notice until XX/XX/XXXX Notice # 1 : XX/XX/XXXX, FRS offered me a payment plan to repay a {$1700.00} debt. 

Notice # 2 : XX/XX/XXXX, FRS tried to give me a substantial discount on the debt. 

Notice # 3 : XX/XX/XXXX, FRS finally sent a validation notice letting me know I have 30 days to dispute the debt. 

Notice # 4 : XX/XX/XXXX, FRS stated that If i pay {$1700.00} the account will be considered paid in full. 

FRS has also changed the file number for this debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Receiving letters from XXXX XXXX claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX  balance. I havent had an account with them in decades.

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 2020-02-06 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: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is selling unverified debt to AFNI, INC, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I have been trying to contact SageStream since XX/XX/2019 in regards to placing a security freeze on my account. I called several times in XXXX and didn't get an answer. I left voicemails and no one ever returned my calls. After that, I sent a fax requesting a security freeze to be placed on my account as well as a copy of my SageStream credit report. I was never mailed anything so I don't know if a security freeze is currently on my account. I continued to call them and leave voicemails through XX/XX/2019 to check on the security freeze that I requested. No one ever called back. I called them last week and left a voicemail and still no returned call. Filing a complaint is the only thing I can do. This company is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX card was underwritten by Tidewater Finance Co out of XXXX, VA I opened the account at a XXXX XXXX store in XXXX XXXX, NV. in XXXX or XXXX. XXXX XXXX no longer has this option and the accounts were closed. I still paid my payment on time, every time, and usually more than the minimum. 

Last month, my payment is due on the XXXX of the month, I paid it a few days early and PAID IT OFF. Now, they are charging me more interest on a {$0.00} balance!!!!! 

I tried speaking to them today, the first man, XXXX, didn't speak English ( and neither did the receptionist ) which is frustrating as it is. XXXX corrected my address and SAID he put in a request to management to remove the charges. Never said it would be done and REFUSED to send me an email confirming that he changed the address and that he submitted for the account to be cleared. I asked to speak to a supervisor and was given to XXXX, who still had an accent, but not as thick and I could at least understand him, however, he couldn't comprehend English either. Found out that the 1st guy spelled my new city and street name wrong, so he corrected that ( I hope ) and again, REFUSED to send me an email confirmation on anything. Said they cant send out confirmations, only on payments. And he can't send anything out until management clears the account. Then they will send some letter. My payment is due next week. I'm concerned that these people will not do as they say and my credit is going to be impacted. How can they get away with charging interest when the account was paid in full before the due date? That would mean that every time you make a payment in full, they are going to charge you interest so you never pay off the account. 

Something needs to be done with unscrupulous companies such as Tidewater Finance Co. I would never recommend this company to anyone. They have outrageous interest rates to begin with, which is why I always tried to pay much more than the minimum on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have asked for the company to send me something showing the services, as well as to verify the debt. Nothing has been received or validating debt. I called them today to get a date of service, I had successfully disputed this to 2 out of the 3 agencies and it was removed. The lady try to tell me in VA the creditor doesnt have to provide it so it stays valid on my credit report. She also tried to tell me its on my other reports ( as mentioned it was disputed and removed years ago ). On my credit report with XXXX  it shows a date of XX/XX/XXXX the lady claims the date of service was XX/XX/XXXX, so dates arent lining up and who even knows if this is valid ( which it isnt ) they cant even provide any information to prove the account is valid! Its a federal law not by state!

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