vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There is a car loan with a repossession on both my XXXX  and equifax Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. XXXX  says the debt has been verified. I have repeatedly asked XXXX  both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. XXXX   has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is AFNI XXXX   XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AFNI failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationAFNI is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AFNI is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.AFNI has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had an ongoing issue with the reporting of a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. They continue to inaccurately report things on my credit, causing hardship. The 1099 shows that the debt was cancelled as of XX/XX/XXXX, yet it is still being reported negatively on my credit past that date, showing I have a negative payment history from XX/XX/XXXX until now. How is it negative if it is cancelled? I have also attached the certified mail letter I sent to the finance company, which they refused and returned to sender. I would like this account completely deleted from my report as they refuse to cooperate and / or report accurate information.

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 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 at approximately XXXX I drove through the Drive-Thru banking section of Chase bank at address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL XXXX I deposited a check from XXXX for an insurance payout on my home of {$8900.00} After checking for close to a week, no deposit has been made although I am seeing the status as cleared from XXXX XXXX Payment Details Method of Payment Check XXXX Nature of Pay Payment under Dwelling coverage less {$1000.00} deductible less recoverable depreciation Breakdown Insd Dwelling {$8900.00} ( Dwelling-Structure ) I was passed around on hold for over an hour today and then informed that there is no evidence of a deposit and I would have to go into a nearby branch. I visited the branch where I made the deposit at ( listed above ) and was told they had no evidence of the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I have been trying to contact a company called NewRez about our mortgage loan they acquired. i have tried calling them since XX/XX/2020. i emailed them on XXXX XXXX i even called their sales team on XX/XX/XXXX and XX/XX/XXXX, only to be told by the sales team they were sorry they couldn't help us. i have sat on hold EVERYDAY since XX/XX/XXXX for at least 1 HOUR, and NEVER spoke to anyone! i have yet to get a response from my email on XXXX XXXX i have even left a voice message for someone to PLEASE call me back. NOTHING! i can not get in touch with anyone in service whether by phone or email, for now going on 22 days! All i am trying to do is defer my XXXX and XXXX payments to the end of the loan or just pay the interest for those two months because of the virus. our money is tight just like everyone else, and i am just trying to 1. make sure it is okay to do one of those options, and 2. our credit will not get XXXX  up because of this predicament. all i am asking for is to be able to talk to someone, PLEASE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
{$1600.00} Jefferson Capital Representatives has already told me the name and D.O.B do not match, I do not have ant written agreements or contracts with them. XX/XX/2020 I have spoken to rep. This negative remark is causing damage to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington closed my checking accounts with no explanation.

They stole my balance and refuse to state the reason why they closed my account and refuse to give me my balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My spouse and I have been trying to contact Equifax Credit Bureau since Monday XX/XX/XXXX to temporarily remove our credit freeze. For hours and days ( except last weekend ) no one answered the phone but a never-ending auto messaging suggesting that we go to their website. Their website directed us to call their 1-800 number cause they are unable to continue. For days and hours we have been trying to get hold of someone at Equifax with no luck. Most recent was this morning XX/XX/XXXX when If they are close they should say so. If they need something from us they should indicate so. Instead of making clients wait or throwing us out of their system. 
I am applying for refinancing and the bank would not proceed without all 3 credit bureaus open our credits. 
Please expedite as we're refinancing and would like to close. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I called Fay Servicing who is my Mortgage company. My loan number is XXXX. I explained to them that due to this Covid-19 Crisis, and since I'm in XXXX and it's become very hard to XXXX  anything to companies that are closed, could they please defer my payments for a couple of month. I am current with my payments. They said they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I am behind in my payment to Lendmark Financial Services. I spoke with then 2 weeks ago and explained the situation and that I would make a payment as soon as possible. they continue to call multiple times a day, leave me messages and now are calling my references. I spoke with XXXX today who was rude. When I told them to stop repeat calling and to stop calling my references, I was told they had every right to keep calling and will continue to do so. I told her 3 times to cease calls, she said they will not. I advised this is unfair collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 71 credit inquiries within the past 4 months.

Of the 71 credit inquiries the only ones that I recognize are for car loans ; and I gave permission to XXXX XXXX XXXX to do so. The items, companies, and inquiries were not made and/or authorized by me and I have absolutely NO knowledge of these inquiries. There has been several instances where my bank, Credit reporting agencies and my credit card companies have reached out to me regarding suspected fraudulent activity and it is still going on. 
Please see dates, below. 
I have sent in written disputes to XXXX, Equifax and XXXX. 
XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX   XXXX  XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX   XXXX/XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX   XXXX/XXXX  XX/XX/XXXX : XXXX  XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally request that our account be corrected to reflect the following : Mortgage Payments : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} This payment should have been {$1600.00}. I enclosed a check for the difference. 
XX/XX/XXXX {$1600.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} Escrow Payment : XX/XX/XXXX {$1000.00} ( Misapplied ) As of XX/XX/XXXX, we continue to receive automated calls from your company indicating that we are behind in our mortgage when in fact we are not. The escrow payment made in XXXX was misapplied to our account. I spent close to an hour in XXXX with a very kind and seemingly knowledgeable representative who advised that she was placing a work order to have our account corrected. She also advised that I would receive a call and/or email to confirm the corrections had been made. I never received a call. She advised that I did not need to make double payment in XXXX and that the late fee ( s ) that have been charged would be refunded. 
None of these things has happened. I tried again this week to resolve the issue via telephone, requesting to speak with a supervisor who essentially hung up on me because she left me on hold for 27 mins  and never returned. She was extremely rude and would not allow me to explain why I was frustrated nor the corrections that need to be made. She is the second individual with your company that has been rude and abrupt with me via phone. 
At this point I would like to file a formal complaint within your company. If these corrections are not made within 15 business days from receipt of this letter, I will also file a complaint with Consumer Financial Protection Bureau.

Please note that I have enclosed two statements, one from  XXXX Credit Bureau that issues payments to your company each month for our mortgage and one from XXXX  XXXX XXXX to show the escrow payment that was made in XXXX of XXXX. If you require more formal documents from these banks please advise and I will personally go into the branch and have them printed out. 
Lastly, I find it completely disheartening that in XXXX banks/lenders are still bullying hard working American families like us. I routinely pay our mortgage early to ensure that there are no delays with receipt on your end. It seems like we are being punished for early payment. Your company can easily call us to advise we need to pay our mortgage, yet no representative has ever initiated a call to us to state that they want to help resolve our issue. It would seem you count on people not being educated enough to advocate for themselves. 
Shame on you! 

Dissatisfied customer,

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 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
When I left school, I left XXXX in XX/XX/XXXX ( lender issued by the school when I graduated school in XX/XX/XXXX ) and consolidated my  loans with Nelnet. After I found a better rate with XXXX in XX/XX/XXXX, I left Nelnet. In XX/XX/XXXX, three months after I was done with Nelnet, they charged me {$1200.00} ( {$1100.00} of principle and {$100.00} of interest since XX/XX/XXXX ) and said it was due to a leftover payment from XXXX all of sudden discovered during the consolidation process with CommonBond. 

When I called XXXX to ask if they had charged Nelnet, they said my account with them has been closed since XX/XX/XXXX and no changes have been made with them ever since. They even showed me proof ( because I can still log in and access my account ) that all payments regarding my account were made back when the consolidation happened in XX/XX/XXXX and they were able to provide a letter confirming that which I sent to Nelnet, along with all payments made to that account. 

Nelnet is lying and issuing fraudulent charges to borrowers like myself. I have had over 4 points of contact with Nelnet and not a single person can show me the proof on their end that XXXX charged them, hence why they would be passing on that charge to me. This last call I had with them today ended with them saying they are firm on their stance and will not show me the invoice, or comparable evidence I am looking for. I will not pay them because it those charges are made up and they need to dismiss this right now. This one pending charge with them is appearing as an extra line of credit in my credit report and that is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to request your help with U.S Bank. I dont know what else to do. So I hope to have a fair solution to this issue that US Bank has  cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ).

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account : U S Bank : XXXX Date Opened XX/XX/XXXX Bal {$0.00}

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I made a payment on the due date, XX/XX/2020. There was a error during the payment processing and the website would not allow me to revisit the payment page to initiate the process again. The site was routing me to a page asking to verify my email and phone number, however it would not allow me to do that either. So I call Sam 's club credit/Synchrony and they indeed verify the payment was submitted but there was probably just a site error. Fast forward to today XX/XX/XXXX, I received an email saying I was past due for my payment and now I owe two months plus the late fee. So I call Sam 's club credit/Synchrony again and they refused to accept my issue, dismissed my story completely. They have no record of my payment or phone call. They still make me pay the full balance due ( XXXX+XXXX+ late fee ) but agree to credit my account the late fee. However due to their error I'll be paying for it and could affect my payment history and credit.

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 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to the address provided on their website in regards to their derogatory information that is being reported to all three credit bureaus against me. They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt. They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Financial credit card stated that i owe {$1000.00} in 2015 I XXXX XXXX XXXX was in Ohio XXXX XXXX XXXX  today im trying to buy a home the result of the identify theft while in XXXX i tried to resolve the discover card services will not correct or fix the issue they want me to pay which i feel i should not have to pay due to i was in XXXX  and that it was not my fault that it as accrued today in buying a home and being on fixed income it puts me in harm and financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I closed an account with Citibank and removed the money. Citibank kept the account open and started charging monthly service fees to it. I assumed the account was closed until they sent me to collections over those service fees. I called Citibank and they realized their error, rebated the fees and closed the account as intended. However, since then they will not remove the collections report. I have challenged the credit collections report 4 times with all the credit bureaus and Citibank as verified the collections as accurate each time, rather than seeing this was their error. I have challenged it with Citibank with 5 letters. Citibank only responded once with a form for merchant services ( which has nothing to do with my claim ). I tried calling Citibank 4 times and each time they said they do not have a department to deal with this kind of inquiry. If Citibank will not remove this credit collections from their records, the credit companies will never remove it from my credit. This was an error by Citibank, but now they refuse to remove it from my 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 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have FFELP loans serviced by Navient and owned by Navient Federal Loan trust. It is my understanding that these are federal loans, but I was told by Navient on XX/XX/2020 that I did not qualify for the interest waiver due to COVID because they are not owned by the Ed Dept. All of the news articles say " all federal loans '', and I had no idea mine were not education dept loans until now. It says on Navients website that all federal loan interest rates are set by Congress but mine are still showing 3-7 %. I don't know who to reach out to. Both my husband and I have huge student loan balances due to our medical backgrounds and both of us have had our hours cut in half due to the virus.

Company response to consumer: Closed with explanation