vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I contacted Caliber mortgage company a week shot regarding my mortgage that is due is 15 days. I told them that the world was affected by the corona virus and pretty much all work has come to an complete stop including mine. 

Im reporting Caliber mortgage company because they have no compassion towards what this epidemic has done to me and the world. XXXX XX/XX/XXXX/ XXXX XXXX has given their customers deferred payment options from 3-12 months which payment is pushed to the back of your 30 year plan.. 

Caliber mortgage ONLY offer 3 month forbearance which they compile all three months plus the new payment to be paid the fourth month.. no one is allowed to work during the corona virus outbreak so why are customers being penalized for this epidemic..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I am currently unemployed and do not qualify for unemployment benefits. I have explained this to XXXX   multiple times and they simply state they can not help me and that my loan with default in 180 days as i have exhausted all my possible benefits such as their MPT program. I made timely payments when employed. Now that I am unemployed they want to increase my monthly payments from {$730.00} to $ XXXX  monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Have been on hold for over 4+ hours but TransUnion will not answer.

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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sirs, I have over the past week had significant problems accessing my money from Chase. 

They locked my online account and cancelled a wire transfer with no notice, and no attempt to contact me. I have called their callcentre repeatedly and spent between 2-3 hours on hold - been transferred to the wrong person and subsequently disconnected. This has happened 2 or three times. I have also gone to a chase branch XXXX XXXX XXXX XXXX, XXXX, Texas XXXX and spoke to a private banker there. They had taken copies of ID - I waited in branch while he stayed on hold on the phone for around 2 hours .... he said leave it with him and he would speak to them and have the account unlocked. He emailed me confirming he had done so and it is still not unlocked. Ive wasted aproximately 2.5 full days of my time between visiting the branch and being on hold and the matter is still not resolved. I do appreciate that coronavirus makes matters very difficult but there absolutely must be better customer communication - its the fact ive been transferred to multiple representatives who are not being able to help and/or am getting disconnected that is making me extremely angry with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
Company is using the Corovirus to collect. Saying that I better pay for I die. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I don't remember the exact date other than mid to late XXXX XXXX when I attended XXXX XXXX ( option was available on the pulldown menu when signing up ) I never finished schooling and had to drop out due to family problems. in XXXX I applied for a loan forgiveness program with Nelnet/XXXX   Discharge address U.S. Department of Education XXXX. XXXX XXXX XXXX, XXXX XXXX. 
I applied for this program. Had to submit documents regarding SSDI monthly payments as well as medical proof. I was approved and went through their 3 year monitoring period. The accounts I had 1 for {$13000.00} and a second loan account for {$8900.00} totalling {$22000.00} should have been discharged in XXXX. Fast forward to XX/XX/XXXX I decide to fix my credit scores and reports to get out of debt. I discover I now have these 2 loans reinstated and no reason why. I have since XXXX of XXXX repeatedly have requested information regarding the account. They told me the account was reinstated but that's it nothing else. If I want to do the XXXX  again I have to start all over. The only thing they have sent to me is the application but nothing else regarding the accounts. I am under the impression any and all lenders legally must give account access and information regarding any accounts owed otherwise they must legally discharge the loans/accounts immediately and remove from credit reports. I have asked numerous times now and still have yet to get any information. I have contacted a consumer attorney regarding this matter to see what can be done to be discharged ASAP. 


My account number is the only thing I have XXXX. No other information as of right now due to them not giving me access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! 
The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I am currently Self Employed. Please remove the following employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My mastercard from citicards was hacked around the end of XXXX. I am travelling overseas and requested a new card to be sent to me. Citicards sent a new card but forgot to add the street number. I gave them the complete address again but instead of delivery the card it was returned to the sender. Then I requested a new card to be sent to the same address overseas however they sent the card to my address is XXXX, Florida. 
When I found out requested them to send another card to my address in XXXX. I explained that due to the pandemic of the coronavirus I don't know when I will be able to return to USA. Citicards sent this third card by regular US Mail rather then sending via XXXX as they had told. It will take months before I receive this card. 
So now I have been trying to get another card sent but the phone numbers I have been calling say to call a later time or simply hangs up. 
I am very disappointed with citicards customer service.

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 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX I paid off a loan for XXXX XXXX XXXX. With USAA federal savings bank However they reported that I still owed over {$7000.00} even though I paid off before {$55000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
This is my second complaint to Consumer Finance Bureau for the same issue. The issue fell through cracks the first time and no one closed the issue on Consumer Finance Bureau or Navient side even though Consumer Finance Bureau did contact Navient. 
The last payment I made on Navients Smart Option Loan was on XX/XX/XXXX for {$91.00} and in XXXX, the balance on the loan was {$5600.00}. I stopped making payment on the loan because I did not remember signing any agreement for it. The loan did not add up to my total calculations of other loans. I was XXXX  and XXXX  from XXXX to XXXX. It has been 7 years and the loan has passed statute of limitations still I get harassing calls and letters asking for money. The loan has been removed from my credit report but still Navient has put it under delinquency so it still shows up on Navient website and it shows up when I try to sign a lease for an apartment. I have to rely on others because this shows up on the credit report even though Im unable to see it. It has ballooned to {$7200.00}. I do not have any money to pay this loans and with COVID-19, I have lost my second job so Im struggling to make ends meet. Navient is breaking the law by harassing me through multiple collection agencies for recovery of a loan which is not even real and has passed statute of limitations. One of the collection agencies told me to become a XXXX and make payments for this loans. If I pay this loan, the total interest I would pay would be 26 % and they continue to increase this number. Please I beg for this loan to be removed. I have been making diligent payments on my other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a 3 party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court. None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion : Does not provide a way to get a free credit report. 
I have a notice from a bank with questionable information reported by TransUnion -- and they require you join a membership for a fee of {$7.00} to get a credit report. There are no links or information on their website about getting a free report -- whether the annual one or in  response to an event. 
There is no way to effectively content them to request one, either. 

In an effort to get to my report, I tried going to the File a complaint section to dispute something. The text on that form was so exceeding small I was barely able to read it -- and the construction of the site -- miniscule 6 point text crammed into a box with tiny little boxes to enter data -- was designed to ensure no one could actually complete the form. 

I work in XXXX XXXX XXXX -- having worked on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- and I can attest that these are all active executive decisions -- type doesn't just show up unreadable and forms unusable. This is a passive aggressive strategy to discourage and disable people from correcting errors on their credit reports. 

Also -- the forms and websites are in violation of the Americans with Disabilities Act. 

XXXX  : Does not provide a free credit report Although there is a method of requesting the report, once you complete all the information, you get a message that they can't produce it at this time. You're at a dead end, and advised to call customer service. 
I've been on hold with customer service for over an hour. 

XXXX  also offers to provide all 3 agencies ' reports -- but offered no way to do that within the online interface -- so that's just false 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 non-monetary relief
Consumer complaint received 2020-03-30 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: DISCOVER BANK
State: NJ

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau because Discover Card is repeatedly demanding monthly payments even though I am because of the coronavirus pandemic unable to do so! Today I received a very, very threatening e-mail from Discover Card that it will report me to the credit bureaus! THIS IS AN OUTRAGE! AND VERY UNPATRIOTIC AND UN-AMERICAN OF Discover Card. The International Revenue Services has pushed back the tax deadline from XX/XX/XXXX to XX/XX/XXXX! Discover Card can XXXX well follow suit! Discover Card is being cruel, insensitive, unsympathetic, and totally non-understanding! Outrageous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 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: PA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$160.00} XXXX XXXX XXXX ( Never late on payments ) Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX {$280.00} XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$300.00} There are no contracts, no valid claim ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: GA

Complaint narrative:
I I contacted XXXX XXXXXXXX XXXX Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX XXXX was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, XXXX XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency Experian got it and still would not remove it. I know the phone call was recorded and I let Experian knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep XXXX XXXXollection on credit score remains. This is not right because I feel as though XXXX XXXX LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at XXXX XXXX did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with Experian is not helping AT ALL. PLEASE HELP!!!

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 2020-03-30 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: MS

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: PA

Complaint narrative:
In XX/XX/2019 four large withdrawal were taken from my Keybank Health Savings Account. I have recently gone into Keybank and submitted fraud forms as well as to the local police to obtain a police report. 

XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$4900.00} was withdrawn - direct withdrawal to XXXX XXXX. 
XXXX {$1400.00} was withdrawn - direct withdrawal to XXXX. 

Each time there were 2 small deposits followed by 1 small withdraw for the sum. Shortly after, the small money transfers a large withdraw was conducted. 

I discovered the withdrawn while doing my 2019 taxes. My 1099-SA showed Gross Normal distributions of XXXX {$10000.00}. This was much higher than I expected and I started to investigate. 

Keybank has sent a letter stating my claims to not meet their requirements for credit. I have tried to contact the number on the letter but it is always busy.

Company response to consumer: Closed with explanation