vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have contac ted Nelnet and g otten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file i s INCORRECT. I hav e requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history becau se Nelnet sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of Nelnet  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call wi th NELNET  and  XXXX . NELNET ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR. NELNET is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported  by NELNET REMOVED AT ONCE!!!!! IN THE VERY PROOF NELNET HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS OVEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I took out a loan from  XXXX   XXXX   XXXX . The loan and the auto purchased have both been absorbent. The car has had major mechanical problems since shortly after I purchased it.The car has been in the shop at l east 4-5 times a year. The expenses on the repairs in addition to being underemployed have caused me great difficulties. I contacted Citibank to explain my circumstance. They seemed to be understanding and told me that they the payment could be paid at the back end of the note among other options that were offered to assist. They were not upfront with me.  While I agreed to putting the payment on the back end, I was still being charged excessive fees in addition to late payments being reported.     I do not agree with the additional fees in addition to the late reports on my credit report. I am appalled that this is a car they would finance to begin with because the car was not in the condition that the dealership  XXXX   XXXX   XXXX   XXXX  claimed that it was.I have paid for this c  ar three times over and the car is not in working condition and I still have a balance of {$9300.00}.
I have been cheated with the purchase of the car and the loan company is mislea  ding. I really would like to have the excessive late fee 's removed and the late reports to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied  Citi Hilton H  Hono rs visa c redit card by online from  XXXX  on   XXXX   XXXX   and Citibank  accepted my online application, and send me visa card #    XXXX  ending, only reason i applied they offered  XXXX  points promotion online ; earn  XXXX   XXXX   XXXX  honors bonus point, after making $  XXXX  in purchases the first 3 months of account opening, so i already spent $  XXXX  then i asked my promotion points from Citibank, but they denied several times, i called them several times, i faxed their promotion offer copy which i printed from Citibank web page  XXXX  and i mailed either, so far i can not get  XXXX  points.   they manipulate the customers and they lie about online marketing  XXXX  points normally cost $  XXXX  cash value, please help me get my points as they promised on their online offer, i have Citibank web pag  e print i can send you if you need it.
This is a online marketing manipulating & corruption from Citibank.

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 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Please consider this correspondence  to be formal notice that your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The loss  mitigation package was provided to your office on  XXXX / XXXX / 2017  - On  XXXX   XXXX  we left a message for the lender requesting an update to the review - And again on  XXXX   XXXX  - On  XXXX   XXXX  we were able to get in contact with  XXXX  ID #  XXXX  - We were advised by  XXXX  of the docs needed for the review - he advised that if the missing items could be provided the same day that he would enter a request for the FC to be postponed. this has not been done and we are requesting a postponement of the FC for the review to be completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau.   XXXX   XXXX   XXXX   has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
This complaint is related to a previously filed complaint against U  SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue.
I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am   unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {$10.00} per statement copy for them to provide the copies I need. Since I have been a customer since  XXXX  and during that time I 've had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {$7500.00} in fee 's. Yet, they are n't budging. I gave them  XXXX  options.      1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile.      These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to.     This problem is now causing  XXXX  other issues that have the potential to cost me a lot of money. I am in the middle of a   XXXX   tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are  XXXX  payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on   XXXX   XXXX   XXXX    USAA  shows a payment in the amount of {$100.00} coming from my account, yet only  XXXX  was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit.     I spoke with  USAA  in late  XXXX  and early   XXXX   and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over  XXXX  pages of statements for only  XXXX  account - and that only went back to  XXXX   XXXX  - a full 7 years less than what I was promised on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: PA

Complaint narrative:
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   credit-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 2017-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   credit-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 non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I owe USAA about  XXXX  in credit card debt at 18 % interest. The card is closed. I lost my fulltime job last year when I experienced a health crisis and have been sporadically part time employed since then. I am also going to school this semester to use my post  XXXX  GI bill benefits. I can not pay more than about {$100.00} amount but my bill is usually upwards of {$150.00} and they add a late fee every month. I have asked for a reduced rate and if I could qualify for some sort of hardship program such as  XXXX   XXXX  gave me. They referred me to an in house member debt assistance which told me I do not qualify since I have too much debt to be successful in the program. This has been going on for about 2 months. Recently in the pa st 2 weeks they have started calling every single day at least 3x. Wh oever calls does n't seem to know much about my problems, so I have to explain every single time, I think that they do n't even bother to keep notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  appears on my credit-report ;  Requesting the inquiry be deleted. Already removed from my Exqufax credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Earlier I submitted a first complaint ( #  XXXX   ) aft er the response from the company ( navient ) I called them yet was given another run around. First person I spoke to appeared to be very nice and told me that the payment of {$280.00} is available for extended repayment. However, I can talk to another department and they  may l ower it even further. He transferred me and appeared that they had no idea what I was talking about nor willing to do anything at all they even refused to grant that {$280.00} payment. Then I was turned over to another person who told me to call in before the payment is due. Also I was looking through a credit report and the last I was talking to  Navient, they promised to take the delinquency off the credit report if my payment will be met, ( which it was ), however th e delinquency is still on it. Another lie and run around from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by   USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three   weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two  XXXX   XXXX  cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help.     The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing.     As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and  UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both )  to an affected party, as a result of the wrongful acts of the banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX 2017 around XXXX to XXXX I visited the ATM machine at Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX. I deposited cash into the machine in three separate stacks because I knew the machine could n't handle so many bills at one time. The first stack was counted and then the second stack of bills was counted. When I hit add more cash for the third stack of bills and I inserted the remaining bills I had which were all in the form of {$1.00} the machine continued to count for a few minutes before it completely stopped with an error message and printed out a receipt saying to call the XXXX number. I called the number and informed them I inserted between $ XXXX in the machine and they asked me about certain codes located on the receipt. Chase gave me a temporary credit and told me they would investigate. On XXXX XXXX 2017 I received an email stating : " We 've thoroughly researched your dispute and wanted to thank you for providing your information. We decided the account transactions you reported on XXXX/2017 were correct. We will reverse the temporary credit of {$400.00} on XXXX/2017. '' This email did not make sense to me so I figured I 'd just wait it out and see what happens. On XXXX XXXX 2017 the credit was reversed and the {$400.00} was taken from my account. I called Chase and spoke to customer claims and they stated that the machine was opened twice and there was no extra cash in the machine and there was nothing that Chase could do to help me. I stated that the ATM has camera 's that can see me making a deposit and the Rep. said they can only prove that I was there but not prove I was making a deposit. When asked who opens the ATM 's to inspect the extra cash the representative stated that the branch manager as well as the techs inspect the inside of the machine. I immediately called the branch manager who said that was false information. I am very upset as this is complete fraud. I am a XXXX year old XXXX XXXX who works 50+ hours XXXX XXXXXXXX XXXX XXXX in order to make ends meet. I never thought I would be a victim to a bank. There 's no other way to prove what happened other than the ATM camera 's and the codes I gave the claims representative on the night of the incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted  XXXX  and gotten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file is  XXXX . I have requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history because  XXXX  sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of  XXXX  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call with  XXXX  and  XXXX .  XXXX  ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR.  XXXX  is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported by  XXXX  REMOVED AT ONCE!!!!! IN THE VERY PROOF  XXXX  HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS O VEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!

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 2017-04-25 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: TX

Complaint narrative:
I disputed some negative items on my credit report with Experian on  XXXX   XXXX ,    2017  and on  XXXX / XXXX / 17  I received a email stating all my dispute was resolved and not was removed or corrected. I believed they never took the time to properly dispute my item. it was more then several items disputes, theirs no way they could have investigate 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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  credit-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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  credit-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 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
The lender has failed to make contact or respond to the QWR request sent on  XXXX / XXXX /   2017  - The lender is in violation of RESPA guidelines with not responding to our request and the clients right to counsel.

Company response to consumer: Closed with explanation