vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 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: AES/PHEAA
State: NC

Complaint narrative:
I was struggling in my youth and forced to allow my student loan to go into default status. One day I received a phone call that allowed me to get my loan out of default status with income base repayment options. I was told that all the fee 's would be removed from my account upon completion of the payment agreement.

**First Issue** However, after my loan became in active status, I noticed that I was being charged all the interest which had accrued from the time my loan defaulted to present. I have payed on my interest for several years and it was all going towards back interest from within that period.

**Second Issue** I have made at least three request for an unofficial ammortization schedule for peace of mind. I needed to understand how this institution were able to determine my payment amount when all my payments were being applied towards back interest. This financial institution ( XXXX ) denied every single request to provide me with a letter of ammortization for the loan. 

**Third Issue** After reviewing my account today I noticed that all the interest previously on my account has now been capitalized and applied as principal on the loan.I thought that legally interest had to remain seperate in order to prevent interest accruing over interest. Especially since I have made all my payments as scheduled according to the lenders terms. 

**Conclusion** I believe that XXXX needs to be investigated for attempts on misapplying my student loan repayment and the initial loan documents/terms needs to be evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
regions pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day

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 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
An American Express customer service representative has been calling a family member, to ask for my personal information like social security number, DOB, adress, for a credit card debt i have, this department calls daily, at all hours, weekend to my cousing to his home wich i have live before, my cousin informs me. My cousin told him that he could not give me that information because it is personal and he was not authorized to give this information and he dont have anyway. He does not know this information to give, the person insisted that give it to him because it is a debt with american express.

I had talked to them before and told them that if I could fill out the form fo the card insurance because to pay off the deb, I lost my job almost two years ago and Iam not working, they refused to give me that benefit.

I would like for this to be investigated, and give me the benefit that I have for the insurance of the card that come with it, my account should be completely paid by them, according to the law, also for the harassment to my person and my family, as well for denying me the insurance benefits of the card.

I hope you dep can help me with this abuse of power and influence that American express has.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I called into Nelnet on XX/XX/2017 @ XXXX notified the representative that my car was stolen and I was not in a position to make a payment. The representative informed me that I qualified for a forbearance which would prevent my account from being reported negative to the credit bureaus and allow me time to deal with the hardship that came from my car being stolen. He stated that he placed the account on a forbearance and that I did not need to make payment. In XX/XX/2017 I applied for borrowers defense and called to confirm that the application was received and they confirmed that the account was on forbearance. Recently I checked my credit report and noticed there are five missed payment reported from XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 for all five accounts. That is twenty-five missed payments from a time that the account should have been placed on forbearance. I immediately called Nelnet who stated " they did not have record of the call or the account being on forbearance ''. The manager requested that I send in my credit report and my phone records of the call. I did. Once they received the information that they requested to remove the errors caused by their representative, they stated although the call was made, they were not going to remove the inaccurate information. The accounts were never placed into forbearance by a Nelnet representative and their error is showing on my report. Had the representative completed his responsibilities correctly there would have been no missed payment to report being that the account would be on forbearance. Nelnet is entrusted with the responsibility to report accurate information to the credit bureaus and their employees are entrusted to accurately complete the tasks that their duties require because a Nelnet representative failed to accurately complete their responsibility inaccurate information was placed on my report. This error is not mine and the missed payments that were reported for the XX/XX/2017 months of XXXX, XXXX, XXXX, XXXX and XXXX are not accurate due to the error of the Nelnet representative. This false information by law needs to be removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: CA

Complaint narrative:
I opened a new checking and savings account with Citi as part of the sign on bonus promotion for {$400.00}. I have never had an account with them before. I signed up around XX/XX/18 when the promotion is active and fulfilled the criteria of depositing {$15000.00} to the bank. I verified with the phone rep twice in XXXX and XXXX and both times confirmed that I successfully sign up for the promotion and that it will be credited to me in a few months. I called today again because I should have received the bonus in my account by now but has not. The phone rep today said I don't qualify now after keeping my money for 4 months because my account was not set up correctly. I felt like this promotion is a scheme to keep my money for as long as they can and coming up with an excuse to not keep their promise. The rep confirmed that a lot of people felt the same frustration.

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 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i disput with mcm in XXXX but no response rcvd

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TX

Complaint narrative:
XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day

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 2018-10-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX XXXX pulled my credit twice same day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2018-10-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 non-monetary relief
Consumer complaint received 2018-10-09 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: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Couple different items occurred with Select Portfolio Services. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report.

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error.

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data.

It looks a lot like Select Portfolio Servicing is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I opened a Citibank regular checking and savings account on XX/XX/18 under a {$400.00} account opening promotion after meeting certain requirements. The account was approved on XX/XX/18. During the account opening process, I transferred {$14000.00} and {$100.00} from an external bank account into the Citi 's checking and savings account respectively. I received my debit card late XXXX and made a {$500.00} deposit via Citi 's Mobile Check Deposit on XX/XX/18. Then around mid-XXXX, I received a physical check for {$14000.00} from Citi. I try to login to my account online to research the strange check but was unable to access my account. All of my access to Cit 's credit card account were locked as well at this time. I contacted customer service for support on XX/XX/18 and a rep explained to me my account was closed effective XX/XX/18 without providing a reason and stated they already sent me a physical mail to explain the actions. He hinted that it has something to do with the overwhelming demand for the {$400.00} account promotion. I told him I have not received the letter and would like to get an explanation. He keep on repeating that the account is already closed and there was nothing he can do. Unfortunately a Citi branch is XXXX miles away so I could not visit a branch for assistance. I deposited {$15000.00} into my Citi accounts but only received a check for {$14000.00} without interest. The interest on these accounts are 0.03 % and 2 %, respectively. When depositing the {$14000.00} check from Citi, there was a 7 business day hold. Even though the deposit method is the same, I have not received the {$100.00} from my savings account and I am also missing {$500.00} from my checking account. The phone rep stated they have already issued {$600.00} credits to the original banking source and it has been almost two weeks and I have yet to receive the money held by Citi. Due to the held funds, I have incurred financial hardship to pay my bill and was charge with {$32.00} in NSF fee by another financial institution. I have met all the requirements under the {$400.00} bank account opening promotion except the account must stay open for 60 days. Citi closed my account on the 44 day to reneg on the promotion.

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 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank is placing fraud holds on minority owned accounts. On XX/XX/2018, I traveled to XXXX XXXX. I was able to use my debit card on Friday and Saturday using my pin code and debit transactions. Sunday came and I was unable to use my debit card. I knew they had placed a fraud hold on my account. I attempted to call union bank, however, they were closed. They were also closed on Monday for the Holiday. My concern is if you are placing a fraud hold on someone's account on a Sunday, there is no way of releasing that hold. No one to contact, you are just stuck without access to YOUR MONEY. This is not right. If they are placing fraud holds on those days they need to have some way to release it. Whether it is verification online or via automated system there should be some way instead of leaving the customer without a way out. I called and spoke to a supervisor on XX/XX/18 at XXXX XXXX. ( please review the recorded call ), they told me that I am REQUIRED to place a travel notification on my account. I asked him where is that in writing at, he stated in the disclosure. After asking him what page and where, he then changed it to it is not in writing. So, basically, union bank would like their customers to violate their own privacy rights in order for them to use their own money. I should not have to disclose where I am going or that I am traveling to utilize MY MONEY. Then the supervisor told me that traveling was not the only reason they put a hold on my account. I knew that it was because I am a minority. Then, he came back and stated that traveling was the only reason they put a fraud hold on my account. I am wondering why was a fraud hold not placed on my account when I initially got to XXXX XXXX on Friday or Saturday when I was using it. Also, I was putting in my pin number. So why was a hold placed in the first place? I say that they only do this to minorities because a friend of mines who is not a minority has the same bank and never has this problem. I have had this problem several times. Please launch an investigation against union bank regarding their violation of privacy rights ( as they are telling customers they are REQUIRED to disclose their travel plans ) and also for only placing fraud holds on MINORITY accounts. Thank you for being a blessing in this world CFPB. The consumers of America need protection against companies who engage in discriminatory and illegal practices.

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