vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.

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 2018-11-17 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: UT

Complaint narrative:
A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.

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 2018-11-17 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Despite submitting the correct paperwork on time in XX/XX/2018 I kept getting emails from loan servicer Navient that my IDR application was denied. Then a few days later I get emails saying that it was and a few days later that it was denied again. I called the company and the problem seemed to be resolved. However, XX/XX/2018 I am beginning to get IDR approval notices and a notvei thatI need to submit my IDR application by XX/XX/2018. 
Since the confusion with the IDR began I have also started to receive late payment notifications, despite my being enrolled in the autopay plan. The autopay system is supposed to automatically deduct a minimum of the full amount due. So, I am utterly confused as to why Navient 's system is deducting less than the minimum due. I am afraid that this company will end up ruining my credit because they can not get their system to function correctly and/or if the dysfunction is deliberate to scam customers for late payment fees. 

I have spoken with customer service twice ( once in XXXX and once in XXXX ) on the phone since this issue began and both times ( took about a hour each time ), I was assured the problem was solved. Now in XXXX here I am again with the exact same problems that I have been dealing with since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GREAT WESTERN BANCORP, INC.
State: MN

Complaint narrative:
I have twice tried to make a change to one of my accounts with Great Western Bank. I need to change my money market account ending in XXXX to their " Basic Savings '' savings account. 

I originally made this request on XX/XX/18 by secure message while logged into my Great Western Bank profile. I received a response from the bank that my request would not be accommodated and was instructed to either visit a branch location or call their customer service number by phone. 

I next tried to make this change by calling their customer service number on XX/XX/18. I was told my request to make this change would not be accommodated and that I needed to visit a branch. 

I bank online. I am a XXXX XXXX. I work Monday-Friday from roughly XXXX XXXX until XXXX XXXX. I do not have access to a Great Western Bank physical branch because I can not visit a branch during my work hours. Great Western Bank is not open on weekends and is not open beyond my work hours Monday-Friday. I opened my accounts online and bank online exclusively. 

I have made a reasonable request to the bank. I asked the bank to change my money market account to a savings account. They twice refused this request even though my identity was confirmed.

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 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I was told by ditech corporation in XXXX that lf I ordered an appraisal and I have 80 % loan to equity my mortgage servicer would be able to remove the pmi on my loan. I did as requested and they sent an appraiser 5 months later. The appraisal came back away 79 % loan to value, below the threshold and the company refuses to remove the pmi. Further I called XXXX XXXX, the agency that owns my loan and they told me I netf 78 % equity but ditech claims I need 75 %. They are acting in bad faith.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: CA

Complaint narrative:
I got an insurance reimbursement from XXXX XXXX. Key bank lied to me all day. Supervisor XXXX promised to call me back and gave me a bogus email address that wasn't responded to either. After calling all day, canceling my check with XXXX and them reissuing a new check. Key finally tells me that they don't accept mobile deposited insurance checks. I am living in my car, in the winter and they kept me from having access to this desperately needed money. Supervisor XXXX blatantly lied to me and had no intention of helping me. I'm still unable to cash/deposit this check, as I am two states away from Key bank footprint. I have no access to the beanch which is what they are saying is the only way for me to deposit or cash this check with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I was previously enrolled in a XXXX XXXX XXXX ( XXXX  ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX that my services were withdrawn. Synchrony bank ( Wal-Mart, PayPal, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my Synchrony Bank Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and Synchrony bank without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. Synchrony Bank is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.

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 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/18, there was a hard inquiry on my credit report that I did nor ask for or apply for from Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dates of fraudulent transactions were for XXXX from XXXX stores in New Jersey made XX/XX/XXXX and XX/XX/XXXX. 
Their was a withdrawal back in XX/XX/XXXX and the following day for another XXXX dollars and the bank is refusing to refund me for the fraudulent transactions. 
This is with Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mom had less than 9k left on her mortgage. At that time she suffered for XXXX  of XXXX XXXX. She fell behind on her payments. A representative from Ditech came to the house to take pictures for foreclosure. I asked if I could help in catch up with the late payment which equaled under 2k. I offered to pay double payments a month beginning that month. I was told I couldn't do that and had to get a loan modification to stop the foreclose. I sent the paperwork about 7 times and I always got the runaround. During all these attempts, they continued to add up the months I wasn't allowed to make payments because of the modification process. They then foreclosed and sold the house to themselves in an auction that didn't happen. Now they offered to sell me back the house for 4x the amount originally owed. I was willing to do it to keep my mom, which now has XXXX, at home. I was told to get a co-borrower to ensure being granted the loan. When I told them I was having to do it alone, they took the application and within a day told me I didn't qualify because of my credit. So I asked if i could reapply with my long time boyfriend who had better credit than me. I was then told they don't accept co-borrowers. Now they served us an eviction citation and we have court. The judge granted me a continuance to help me find help. The day it was granted, a representative from ditech came to the house and told me to start packing because they were putting my stuff on the street the morning after our court hearing. He also said he recommends I find somewhere to take my mole and start getting her adjusted to new surrounding because of her condition. My mom was done wrong by this company who has a track record of XXXX  over their clients. Now all I can do is pray for a miracle or we will be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: GREAT LAKES
State: TX

Complaint narrative:
Trying to pay for student loans in MyGreatLakes.com requires a PHD in shadiness to not get scammed. My account is 3+ years paid ahead, I make minimal monthly auto payments and one time additional payments each month. I have now 4 loans vs. 5 after making several large one time payments to pay off the loans. What was scammy about the process is realizing the timing of when additional payments are made can have significant impact on how the additional amounts are applied to the principle and ultimately impacting the amount of interest you pay in total. Simply clicking on the screens to have 100 % of your payment directed to a specific loan, doesn't always end up the way you think! 

Why would it matter if you are paid ahead is what conventional logic would suggest. Because you aren't shady like My Great Lakes, you don't understand. Here 's what I've come to realize.. 

If you want to pay ahead and have the additional payments directed at your specific loan ONLY ( vs. peanut butter spread ), you need to meet your monthly minimal and any interest accrued. 

XXXX Example : your loan payment is due on XXXX of the month - XX/XX/XXXX- Minimum payment applied. $ spread like peanut butter across all loans as expected. 
- XX/XX/XXXX - additional payment applied. $ considered payment to next month but still peanut butter spread across all loans even though you tell them it is to be 100 % directed to a specific loan even if the amount you set for additional payment is higher than the monthly minimum payment. Scam. You'd think just the amount up to the minimal payment amount is spread like peanut butter but nope ... the whole thing. 
- XXXX - additional payment applied and you are now paid ahead for next mont. Only now will your payments be 100 % directed as you choose. 

_______________________________________________________________________ The above is still true even though I'm 3 years paid ahead. SCAM. SCAM. SCAM. 

So beware. When paying ahead, schedule the additional payment on the same day as the monthly due date OR make multiple payments to 'test ' the waters to confirm the payments are getting correctly allocated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This letter is a formal complaint that Nelnet Student Loan ( Nelnet ) is reporting inaccurate credit information. I am very displeased and highly distraught to find that Nelnet has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, Nelnet has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearance 's and deferment 's after XX/XX/XXXX. Since the late payments were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both Nelnet and the Office of the Ombudsman explaining that I have worked extremely hard to maintain my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
About six months ago, a remark was placed on my credit report that my mortgage was under a non-govt loan modification. My loan is not under a modification. The confusion seems to be that back in XX/XX/XXXX I was offered an interest-only loan modification provided by the mortage company, NationStar, which I accepted. This modification was for a period beginning XX/XX/XXXX and ending XX/XX/XXXX. No further modifications have been applied for or granted on this loan. My dispute is that the remark that my loan is under a non-govt loan modification is a false statement and fraudulent credit reporting. I have no dispute with the reporting of payment history. This is my only dispute with them is the remark placed on my account six months ago for an event that begin 8 years ago and ended more than 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I mailed a letter to Experian advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Experian on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to Experian so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of  many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/2018, I closed on a new home in the Maryland area with Quicken Loans. The closing was originally scheduled for XX/XX/XXXX but was pushed back for Friday XX/XX/XXXX .To my surprise during the signing of the documents I was shocked to learn that my first payment would be due in XXXX. I called the gentleman who had helped me throughout the process about this and he apologized stating that " the person servicing the loan, never changed the date and unfortunately it was an oversight ''. That was the 1st issue. 
At the same time I was on the phone with the Quicken Loan rep trying to see if this could be resolved I signed the paperwork, only to realize that he included ESCROW on my monthly payment WITHOUT DISCUSSING THIS WITH ME! I put 20 % down and my credit score is XXXX, why would they automatically apply that to my monthly balance and not give me the option to pay for it separately?! I called, spoke with too many uninterested and frankly unhelpful investigators at Quicken Loan whose sole purpose is to protect the organization against admitting any liability. That was the 2nd major issue. 
In XX/XX/2018 ( 3rd month in the loan ) I receive a letter stating that there is a manual disbursement on my property tax and that now I OWE QUICKEN LOANS over {$5000.00} which will be applied to my mortgage! I called and spoke to another investigator and questioned them how could this happen. I signed mortgage documents less than 3 months ago agreeing to pay {$2800.00} and now you they are trying to force me to pay {$3300.00}. As they naturally did, the investigators provided no solution and they stated that it was not their responsibility. That is the 3rd and FINAL ISSUE.

I am just one person and do not have access to the same resources that Quicken Loans has, however make no mistake, THERE IS RIGHT WAY to do things AND THERE IS WRONG way to do things. These issues could have been rectified in private if they showed a willingness to take responsibility and act accordingly, they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am 100 % commission in Real Estate/Mortgage sales. 
Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but Honda Financial after multiple attempts not only did not grant ; but then marked my account 30 days late. 
After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, Honda Financial maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: AR

Complaint narrative:
XXXX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am XXXX XXXX XXXX in XXXX XXXX/XXXX XXXX.

Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but XXXX XXXX after multiple attempts not only did not grant ; but then marked my account 30 days late.

After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, XXXX XXXX maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX

Company response to consumer: Closed with non-monetary relief