vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Each time I applied for XXXX and XXXX XXXX my loan was sold to another company and I'd have to start over, since it was a new lien holder. Each time it was sold my balance was increased by many thousands of dollars. That's not including interest. Then, when I finally do get to be reviewed for XXXX ... I'm rejected. I learned that out of over 5000 individuals who applied, around 200 were approved during the time I applied. That's not very much! 
I also learned that a woman in XXXX recently sued, having been XXXX, ( as myself ) by the SS Department, and she won - despite Public Law 104-134. 
I'm so XXXX that there are times I can't even move or ambulate at all. I'm bedridden  for hours out of the day. Other days I'm a bit better and can get out of the bedroom. I'm XXXX and there's no doubt about it. A XXXX XXXX Doctor through the SS Administration ruled in my favor in a XXXX Federal Court that I'm XXXX. So what's the problem here!? Why am I being denied XXXX and XXXX XXXX dismissal of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Oklahoma Student Loan Authority
State: IN

Complaint narrative:
What follows is an email and letter sent to the Oklahoma Student Loan Authority ( OSLA ) on XX/XX/19. I have previous asked OSLA to remove the delinquency from my credit report and was told that they would not do so. This is a clear violation of Section 623 ( a ) ( 2 ) because they updated my account into a forbearance status for the months I was previously delinquent. They did this to bring my account current. While the original report of delinquency was correct, 623 ( a ) ( 2 ) requires OSLA to update the credit report by removing the negative report and showing the payments as current. They have refused to do so.

Pursuant to section 623 ( a ) ( 2 ) of the Fair Credit Report Act ( hereby, FCRA ), you are in violation of failing to correct and update information. It is the responsibility of OSLA to not only report non-payment to credit bureaus but also to update original reports with new information. 

My accounts have been updated by OSLA with a retroactive forbearance to bring my account current ( this has been confirmed via a recorded phone call at XXXX on XX/XX/19 ). A courtesy I greatly appreciate. However, OSLA has not reported the update to the credit bureaus as my loans being in current instead of delinquency. This is a FCRA violation. 

Furthermore, precedent has been set by the Federal Trade Commision ( FTC ) to substantiate my claim of legal violation. XXXX, of the Department of Education, inquired of the FTC as to if furnishers are required to update credit reports to remove delinquent and defaulted loans from an individuals credit report. The advisory opinion received is clear ; furnishers are indeed required to immediately update the credit reports. Please read : This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ( Emphasis added ). https : XXXX To be clear, OSLA does have a legal responsibility to accurately report payments as paid or not paid. It also, however, has the legal responsibility to update the reports as new information is available. My formerly delinquent loans have been given a forbearance in the months in which they were delinquent. Therefore, the negative report sent to the credit bureaus must be updated to show the accounts as current, not delinquent, for all of the 2019 year. 

This letter is being sent to OSLA via email and standard postal service. CFPB is also receiving a formal complaint to ensure accountability and expedited service. Please correct my credit report immediately. 

Account affected : XXXX Loans affected : *********** *********** *********** *********** *********** *********** Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Its now been 4 years and Bank of America still allowed fraudulent things to happen to my account and blame it on me. 2015 is when my account was closed due to fraudulent activity within my account and now is showing up on my si consumer report. I am not sure how its still showing up when I was allowed to open up accounts with credit unions. This is now a big thing because the total to be paid to Bank of America is ridiculous. Bank of America is ridiculous!

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 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2019 I received notice that my loan was in active foreclosure. I called into Freedom Mortgage to discuss the options and was advised to contact the foreclosure attorney once a reinstatement amount has been determine. I didn't understand how I was in foreclosure when there was a large payment that was sent in on XX/XX/2019 for XXXX. The representative explained to me that the funds sent was not enough to make a full payment and the funds remained in " suspense ''. " When the loan was referred to foreclosure, the funds are allocated as Freedom Mortgages sees fit, which was to escrow ''. I was confused since our monthly payment was elevated due to escrow shortage to begin with. I was not aware a company can move funds around without the consent of the consumer. I feel as though Freedom Mortgage purposely moved funds to escrow which expedited the foreclosure process. I talked to a supervisor in collections ( XXXX XXXX ID # ) and explained my situation and ask that funds be moved to reduce the outstanding balance, he apologized but was unable to assist. The supervisor said the foreclosure department makes the decision and agree that I contact CFPB to address my issue. 
I would like for freedom mortgage to move my funds to reduce the outstanding amount I owe in payments. The funds sent was never intended for escrow and it's not contractually stated the mortgage company can dictate how funds are applied regardless of the status of my account

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 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: SD

Complaint narrative:
i was presented a large check of over {$40000.00} by the trustee of my family trust, the trustee is my step father and he used Regions Bank to handle the funds of the trust. the closest Regions bank branch to me is over XXXX miles away. so before traveling to the XXXX iowa branch i spent considerable time on their " green line '' trying to get through to a person so so i could get that branches telephone number. i spoke to a lady there named XXXX and gave her the details of the trust check including that the trust had liquidatedproperty and made out checks to my XXXX sibblings, and to XXXX of the trustee 's family that were double what my and my sibblings checks were for. this was on a wednesday. XXXX told me she would call me back on monday after she contacted their legal department to verify the info. i did not ever recevive a call from her and then on XX/XX/29 i called her back and had to leave a message for her to call me. over 2 hours later she returned my call and said that she had verified everything and there would be no problem giving me a {$40000.00} cashiers check and the rest in cash minus the fee for cashing the check ( {$20.00} ) and the fee for the cashiers check deducted from my cash. she thanked me for my patience and the 2 week advance notice. 
less than 1 hour later she called me back to inform me that they could not sell me a cashiers check because i was not an account holder and therefore would not under any circumstances cash the check for me. they know that i do not have a bank account as i am XXXX XXXX XXXX and have no job or income so no need for a bank account. 
this bank is refusing to cash a verified genuine check written on their bank and therefore are drawing interest daily on MY MONEY ( ie : stealing from me as they will not pay me said interest money that is rightfully mine. ) when a bank does not have to honor the checks from a customer because he does not have an account with said bank, but honored 5 other checks written at same time to mostly non account holders with their bank. ( one such beneficiary of this trust lives in Pennsylvania it ) is a breach of trust in the banking system as a whole. i now want all but the {$20.00} check cashing fee ( as advertised on their website ). in cash, i no longer wish to possess any of their banking products!

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 2019-10-01 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: GA

Complaint narrative:
1. I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a credit inquiries on my report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have not received any validation documentation from United Revenue Services. I sent a letter requesting this debt be validated and it has not been properly validated. I received a bill on XX/XX/19.A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : EXPERIAN XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES EXPERIAN : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - AUTO FINANCE Inquiry date : XX/XX/XXXX XXXX AUTO DEALER Inquiry date : XX/XX/XXXX XXXX FINANCIA Inquiry date : XX/XX/XXXX XXXX XXXX AUTO FI   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - CARD SERVICE Inquiry date : XX/XX/XXXX XXXX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX AUTO FINA Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : 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 2019-10-01 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
There is a credit inquiries on my report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: WI

Complaint narrative:
I have tried to dispute a wrong address with experian online. When I pick identity theft for the reason of a wrong address they give " That reason can't be processed online. Please contact us by phone for assistance at XXXX '' This number goes to a recording with NO help and ends up terminating the call. There is no menu choice to deal with 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 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo, has held my mortgage for 15 years. It started off as an interest only 6 % mortgage. It was {$350000.00}, I paid it down to close to {$190000.00}, after they charge me huge amounts of money to refinance it to a five and three-quarter percent loan. They solicit me continuously, and offer me all kinds of new refinance programs that would cost thousands of dollars to put back into the mortgage. They recently sent me a offer to refinance at 3 1/4 %. Stream line, clean fast. There is nothing streamlined about it, I have paid out of pocket to have an appraisal, I have spent countless hours sending paperwork, I have paid my accountant to send in all kinds of tax forms. My credit is way up over 800 .I have an immaculate record and impeccable history. Yet it has been several months since they have responded with this new and improved refinance. I believe it is all a scam I have wasted my time, and my money.

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 2019-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I received a loan from MoneyLion in XXXX. I paid off the loan XX/XX/XXXX. The company is constantly reporting late payments on my credit report even though the loan has been paid off. You can't get through the line to get to customer service I've sent in several emails and it takes two weeks for a response. I've sent in the receipt numerous of times and I'm still not getting a response from this company. I would like this account removed from my credit report because it's affecting me with purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXXAccount typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} TRANS UNION XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : 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 2019-10-01 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: GA

Complaint narrative:
XXXX, EQUFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX  : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX   XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
My car was repossessed a few weeks ago. I called them and told them to please come get the vehicle. It was a financial hardship on me and I could no longer afford the vehicle. They never come to get it till a few weeks ago. I had filed a complaint on my credit report and shortly after that they did send a recovery tow service to take the vehicle. The problem now is they are still reporting the vehicle as not paid and late on my credit report. The vehicle was a voluntary repossession due to financial hardship. My last known payment to IDA finance company on the vehicle was in XX/XX/2019. I need this to be resolved. When I call the company they are very rude and unprofessional to me and I feel I do not have to listen to people talk to me this way. The vehicle shows I owe over 10,000 and this vehicle XXXXXXXX XXXX XXXX value is only around 6,000. I had only paid a little over 2,000 towards the vehicle when it was repossessed due to the way the principal and financing of the vehicle. I would have never paid this vehicle off! Please help me resolve this!

Company response to consumer: Closed with explanation