vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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: AZ

Complaint narrative:
Bk -XXXX*chapter XXXX BK -- XXXXChapter XXXX BK-XXXX-Chapter-XXXX disputed these should not be on report credit report agencies never responded

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to IC Systems Inc. on XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. IC System Inc. claims I owe a debt from a XXXX XXXX Bill that I actually left in my given time. I had my Personal FinanciaXXXX Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by IC System Inc. Therefore, by the FDCPA IC System Inc. fail to prove that I had a bill from XXXX XXXX. So, IC System Inc. was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and IC System Inc. agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, IC System Inc. is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of IC System Inc. from my credit report. I am going to provide all my evidence to my case.

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 2018-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX my loans were approved for a student loan discharge do to a XXXX. I was told by NELNET that my loans would be discharged and reported to all major credit bureas that my loans would be reported closed with a XXXX balance. On XX/XX/XXXX NelNet reported my loans incorrectlly to the major credit bureas as being defered tell XX/XX/XXXX, and reported them as, transfered. Also showing a 90 day late payment which I was inschool during XX/XX/XXXX and XX/XX/XXXX. I spoke to NELNET they said they were sorry for reporting incorrectlly and, that they would fix the issue with the three major credit bureas. They also sent me a letter stating so. I just want this fixed please, I am XXXX   and this is really effecting my credit and me. I have been truned down for medical treatment that is not covered by insurance due to NELNET reporting incorrectly. At this time I do not know what to do but report NelNet, and to contact my state attroney office about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I got a Wells Fargo Cash Wise Card and spent more than {$1000.00} in the first three month and did not receive the {$200.00} reward. I sent emails, but was asked to direct my request to another department. Sent them an email thru the system as well. Got an email, that I have to call. Called a representative called XXXX, who claimed to pull up my data, but disconnected the call. Called again and XXXX told me, that the {$200.00} had been credited to another card, which I don't recongnize as my card. 

This all seems to be a big fraud, the promise a reward, make it very difficult to reach anybody, so people just give up and finally they claim to have credited the reard to an account, which the customer doesn't know about nor can access.

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Received marketing letters once a month from Chase for the last 18 months to apply for the Chase XXXX Credit Card. Four of these letters are currently in hand. All advertise the ability to apply for a credit card with a given sign up bonus and state that you will be considered if you do not current have the card nor have received a new cardmember bonus within the last 12 months. No other limitations are stated on the mailings limiting the application or guaranteeing rejection for certain subsection of candidates. 

The application rejection letter was sent out on XX/XX/XXXX and received it on the XXXX. No reconsideration was implied and no number or contact information was listed. After rereading the back of the letter and searching online, I discovered that they have a policy of denying and not reconsidering all people with 5 or more new accounts in the last 24 months. This information was not listed anywhere on their website or on the application. They claim it is not a policy, but a rejection reason. They did not offer any proof that it was not a hard policy or rule. This adversely impacted my credit score based on an unwritten policy claimed to be a trade secret when it is currently public knowledge. This also constitutes false advertising as it implies consideration when none is intended. They also are collecting financial information at the detriment of the applicant with no intention of offering the card, but to a subset of individuals for non-credit worthiness reasons. The original rejection reason also discriminates against age since younger people would open more accounts within a 24 month period than older, established individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
XXXX XXXX American Accounts and Advisers Date : XX/XX/18 XXXX : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 5 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via-cfpb that you did receive my letter on XX/XX/18. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Basically I reached out to the credit bureau explaining that they are reporting inaccurate information, and they then in turn reached out to XXXX 's explaining the same. XXXX 's then wrote me stating that I owe for the bill and that if I am experiencing any hardships to let them know. I then wrote a validation request letter to XXXX 's asking for any information that would make them think I am responsible for an account that I did not open. I asked for any documentation with signatures etc. They have now sent me a bill again stating I owe {$330.00}. They still are not answering the request for them to validate this debt. I have been a prior victim of fraud as well and have made this known as well. I also have

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have disputed with all three credit bureaus. About 2 collections on my credit report for the amount of {$340.00} reported on XX/XX/XXXX. And {$59.00} for XX/XX/XXXX. I have no knowledge of Ar Resources. I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received numerous late payments on my credit reports as a result of a severe medical situation that caused me to go through a financial hardship. I know that even being hospitalized for extended periods is no excuse to miss payments, but it was a circumstance that I feel is worth mentioning. By no means are you obligated to remove these late payments because I did miss these payments. However, I have been a long time XXXX XXXX customer and still have a XXXX XXXX  card to this day. Due to the circumstances of severe medical issues surrounding my late payments and since I did pay my balance in full with late fees, I would like to ask that these late payments be removed from my credit report as a gesture of good will. They currently affect my scores and my ability to live life and anything I do. I would like nothing more than to be granted this one time good will gesture to have these removed because I have been a loyal customer of the company for so long and made right on the missed payments. Please remove these for me as a one time courtesy, I beg of you. 

I also served several years in the military and fought in XXXX. As a veterans of the United States Military I also ask for this one time favor. Please, if there is any way possible, please remove these missed payments from my credit report. Thank you very much.

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 2018-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
Hello, I have been requesting financial assistance in repaying my loan with HESAA since XXXX of 2017 to maintain a good credit score and payment history. My attempts to arrange special payment arrangements with HESAA, such as stopping payments due or lowering my monthly payment -- have been futile. Their response is always to either ignore my applications or reply days later saying to resubmit the entire application with a list of proof and documents. After I email what they request, I get no answer so I assume everything is set and my payments put on a special forbearance, only find out later my account is behind and delinquent. 

I have the most recent emails and application for Financial Hardship I submitted, to which their response, once again, has been to resubmit with more documentation. They are requesting my last two w-2 's and my 1040. The documentation they are requesting I can not provide. I have not worked in years due to illness and I haven't filed my 1040 as of yet -- I have filed for an extension through my accountant. I became a widow on XXXX of 2017 and I no longer have any form of income. What little I have in the bank is for food and utilities and other basics only. 

HESAA has sent me and my brother, the cosigner, a wage garnishment letter. After I applied and requested financial hardship assistance with HESAA in 2017, the turnaround time between their replies and their requests for " more information '' and instructions to resubmit a new application, has taken MONTHS and they have placed me under a wage garnishment threat. Wage garnishment, as I understand it, isn't only for wages ( which I have none ), but they can only include tremendous lawyer 's fees and other penalties and they can freeze and take what little I have in savings and loans I use to survive. Once they take your bank account savings, it is very difficult to get back from them. 

I see this as pure abuse and HESAA has the power to simply ignore or purposely elongate the time to grant you desperately needed payment assistance. Of course, if I had the money to hire lawyers and take this to court, I would, but I barely have enough to survive so I am at the mercy of HESAA to freeze my bank account, tack on tremendous fees, come after my brother as cosigner, ruin my credit, and place me on welfare and state assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: OpenRoad Lending
State: CA

Complaint narrative:
Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have like 4 inquiries that I do not recognize and I do not know which companies are

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: FL

Complaint narrative:
I have 2 negative accounts from XXXX XXXX that have been sold or given to a collection agency. Holloway XXXX XXXX. One of the 2 is where we broke our lease when my husband was relocated to XXXX from XXXX. This one I knew I would owe but the other one is a the home we lived in prior to that one and we did not break the lease or damage anything. They stated they are charging us for clean up but they also kept our deposit and it should not take {$800.00} for clean up. We also upgraded light fixtures and put in ceiling fans and did not request payment for those. The lease we broke, I was charged for marks on the walls even though I did repair them. I repainted in the paint left by them but they still said it was not clean enough even though I had a professional cleaner come in. I was never notified of these bills or allowed to dispute the amounts. They suddenly appeared on my credit when I went to apply for a mortgage. I did call and ask for a settlement amount to just take care of it but they will not return my call. The collection agency said that XXXX has to approve it. XXXX XXXX knows nothing when I call them. They are not giving me any means to get this corrected or working with me on this. I called them on XXXX the XXXX and they said that XXXX had 15 days to get back to them. The 15 days would have been XX/XX/XXXX. I ask if it was just business days and they said no, just calendar days. My husband started calling back in XXXX and they gave him an amount to pay that was 50 % of the bill but when I called they said it wasn't approved and no one would have told him that. I just need a means to correct this since no one seems to be responsible for it but yet they were quick to put it on my credit negatively!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: NCC Business Services, Inc.
State: NC

Complaint narrative:
I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX  and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are XXXX XXXX XXXX for {$90.00} and XXXX XXXX XXXX for {$11000.00} and NCC business services for {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
We have owned our home for 32 years since XXXX. In XXXX we applied for a Modification loan the terms to our understanding was to be for the remaining terms of the loan ( 20 years ) which would have the loan paid in full XXXX. As with many loans our loan has been sold many, many times. Apparently along the way I was taken off the loan which we did not do with all the servicing companies that have service our loan they state I'm not on title according to their record and every time we call the servicer ( s ) my spouse must give permission to whoever is servicing our loan to speak to me, we have told them many times I was never taken off the loan. We checked with the title company they are showing the Deed of Trust and Note XXXX no modification filed. 

In one of the correspondence from XXXX they state that our loan has not been modified ( XXXX XXXX ) according to their records ( see attached ). XX/XX/XXXX XXXX sent us a payoff quote we did not request a payoff quote. 

After numerous time requesting from servicers to send a copy of the Modification agreement they only send the Deed of Trust and Note ( XXXX ). We've requested from the last servicer who is now XXXX to send the information on the modification as of yet they have only sent Deed of Trust and Note ( XXXX ) We are now seniors and we desperately need resolved this matter. 


Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a deposit of 4 money orders, with {$390.00} each over the counter on XX/XX/XXXX ( Saturday ) at the Regions XXXX XXXX  branch, XXXX GA XXXX. However, on XX/XX/XXXX it was showing one money order was declined and only three were deposited and posted onto my account. I went to the branch, asking for the reason. A lady with manager title gave me a Refer to maker notice and asked me to contact the money order issuer, XXXX XXXX to see whats going on. She refused to start an investigation. 

I spent a lot of time and paid to request a customer trail research document, and it came back saying it was declined because the money order was presented by the same bank more than one time on the same day and it was paid off upon the first attempt. It must have been the clerk who tried to cash it made a mistake. 

I went back to the XXXX XXXX on XX/XX/XXXX. Someone helped to find the image of the declined check was duplicated in the system, which means another money order was not scanned and cashed. 

If the previous manager would pay a little more effort to go through the scanned images on my first visit, I wouldnt have spent so much effort and suffered from the stress of losing my money, and I wouldn't have paid just to prove that it is a fault of some one at the Regions XXXX XXXX branch

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