vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''

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 2020-06-02 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: CO

Complaint narrative:
AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE XXXX   XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I attempted to link my bank to XXXX and it said my bank will not allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have a loan with Sallie Mae. Several months ago, they emailed me saying that they could provide 'assistance ' during COVID. I inquired about what that assistance looked like, and then decided I did NOT want that assistance. To be clear, I never asked for my loan to be placed on forbearance, I simply inquired about what it would look like. 

Sallie Mae placed my loan on forbearance anyways, without my consent. I called Sallie Mae and spoke with a manager, who agreed that I did not consent to getting my loan put on forbearance, and that he would take my loan off forbearance. 

Two months later I get an email saying that only now is my loan being taken off forbearance, which means my loan was still on forbearance after I was told it was being taken off. I spoke with the same manager on the phone, who told me that he in fact DID take my loan off forbearance, but that their 'system ' automatically put me back on without my knowledge or consent. Not only that, but their system had done the same thing with every single customer that wanted to be taken off forbearance. To repeat, every person who had requested to be taken off forbearance was automatically put back on. 

I find this practice predatory as they try to squeeze more money out of young people who are already struggling. It is reasonable to expect Sallie Mae to come back with an explanation of why this happened and then provide a detailed, step by step response as to the actions they will take to prevent this from happening in the future. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My saving account was closed and its assets sent to a State unclaimed property remittance. 
On or about XX/XX/XXXX I received from Chase Bank a monthly summery for XX/XX/2020 of my savings account which stated that my saving account with {$22.00} was closed and sent to Unclaimed Property State Remittance. 
My compliant is the Bank never notified me that my account was in jeopardy and when I complained, I was told that I would have to reclaim my money directly from the state remittance fund. I spoke to several Chase Bankers and none could tell me the State where these funds were distributed. 
I finally submitted a formal complaint about the Notification procedures. 
As of this day I have not received a reasonable answer to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access Trans Union or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX XXXXXXXX ( XX/XX/XXXX ) o XXXX XXXX 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 explanation
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access XXXX XXXX or Equifax do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX  XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Received a letter from the foreclosure attorney with a sale date for XX/XX/2020 for my property. Received mortgage assistance modification from PHH mortgage, made 3 Trial payments and is still making monthly mortgage payments. I resubmitted request for mortgage assistance with PHH mortgage for the fixed rate and 30 year mortgage term. I don't understand how I was sent a property foreclosure sale notice with a sale date XXXX XXXX and I called today and was told the new sale date is XXXX XXXX. I'm currently making monthly mortgage payments. PHH mortgage doesn't want to work with me to save my home. I need help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched CFPB USAA RESPONSE dated XX/XX/XXXX CONFIRMS NO CREDITS PROVIDED. Ms XXXX Confirms USAA HELD ME LIABLE FOR {$470.00} XX/XX/XXXX. One month later XX/XX/XXXX See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX COMPLETED INVESTIGATION CONFIRMS UNAUTHORIZED TRANSACTIONS. USAA HAS NOT PROVIDED THESE CREDITS. Kindly Note all the CFPB responses claiming CREDITS WERE PROVIDE BUT NEVER NEVER GIVE DICUMENTATION OF STATEMENT PERMANET CREDITS APPLIED BECAUSE THEY LIED TO CFPB Clearly usaa held me liable since XX/XX/XXXX for UNAUTHORIZED TRANSACTIONS. See attatched USAA review of these fraud charges *REVIEW OF YOUR CLAIM IS COMPLETE* XX/XX/XXXX ( No Fraudulent Activity Found ) After Review of Your Claim. USAA IS DISHONEST DOES NOT RESOLVE FRAUD. LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS. USAA HAS COLLECTED ON AND DESTROYED MY CREDIT FOR THESE UNAUTHORIZED TRANSACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Navient refused to accept my payment in 2014 filing a claim for {$19000.00} and then putting me into a new loan with a principal balance around {$24000.00} by charging a 25 % collection fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been calling and submitting disputes because I have paid off two accounts. Target paid in Full on XX/XX/ and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX th. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CO

Complaint narrative:
AGAIN I FILED A COMPLAINT AND ADVISED EQUIFAX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY EQUIFAX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent Transunion copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.

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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is XXXX XXXX ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... 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 2020-06-02 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: MO

Complaint narrative:
On XX/XX/2020, I sent Experian a letter specifying in detail several errors on my credit report. The most urgent of these are two reports of defaulted student loans, when in fact I have never had a student loan On XX/XX/2020, I sent them another letter once again requesting that these errors be corrected. They have not done anything at all about the problems. 

These errors are preventing me from buying a house! 

More info : Only Experian is reporting these student loans, none of the other bureaus. I sent letters to both of the dept of education addresses shown on the report, and both addresses were not valid addresses and the letters were returned - how can the information be correct when the addresses are phoney? I called the numbers and one of them was not in service and the other one, after a very long phone call, told me categorically that I was not in their system and so there was absolutely nothing they could do about the erroneous reports since I was not in their system!

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XX/XX/XXXX TO : Consumer Financial Protection Bureau, United States of America FROM : XXXX XXXX. XXXX XXXX : Experian Credit Report XXXX CA XXXX XXXX XXXX XXXX Account # XXXX Dear Friends of the Consumer Financial Protection Bureau. 

I object and take issue with Experian Credit Reports Membership program. 

On or about XX/XX/XXXX, I requested a free credit report. I agreed to a charge of about {$1.00}. 

As of XX/XX/XXXX, I discovered that Visa charged my credit card in the amount of {$22.00}. I discovered that I had agreed as of XX/XX/XXXX, to not only pay {$1.00} for the initial free credit report, but that I was to be enrolled in XXXX XXXX XXXX, wherein my Visa credit card would be charged {$22.00} as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and every month thereafter. 

I called VISA and objected to the XXXX  XXXX XXXX   for the following reasons : 1. I did not KNOWINGLY agree to Experians reoccurring membership program / fee of {$22.00} ; 2. The {$22.00} reoccurring fee was NOT clearly disclosed ; 3. The Nature of the unending reoccurring fee charge was not disclosed ; 4. Experian as a Fiduciary breached its duty to the public of conducting a fraudulent and misleading business practice. 

I called Experian ( i.e., XXXX, XXXX, XXXX and XXXX ) ( XX/XX/XXXX ) : 1.0 Experian agreed to cancel my membership 2.0 Experian agreed to refund only one ( 1 ) of three membership fees 3.0 Experian rejected my request of full fee recovery 4.0 XXXX ( Experian Membership ) failed to refer me to US CFPB upon my specific request for further review and appeal. 

I respectfully request that all prior Membership fees be credited to my Visa Account. I request confirmation that Experian has in fact cancelled my Membership program. I ask the US CFBP to seek an injunction on Experian to immediately cease its fraudulent business program and seek restitution to the millions of American who may have succumbed to Experians fraud. 

With Respect, 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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Nationstar has acted in a fraudulent manner and refused to address an error they made XX/XX/2019. Nationstar made an error in my account with hazard insurance payments and refused to make the correct adjustments from XXXX XXXX. On XX/XX/2019 I made a normal mortgage payment of {$3300.00}. Nationstar changed my mortgage payment to {$3500.00} in XXXX without proper notification of a reason for the change. For some unexplained reason Nationstar unilaterally decided to designate my payment on XX/XX/2019 as " Unapplied Funds ''. Nationstar reported my payment as an overdue payment in error or intentionally and failed to credit my payment to my principle and interest account as a valid payment. After many unsuccessful attempts to have Nationstar address this matter and correct their error Nationstar still lists as unapplied funds in my account statement. The payment of my check is still listed as unapplied funds for some inexplicable reason and Nationstar refuses to reverse the error of my payment as delinquent and give me credit even though the firm has cashed my check. I believe that Nationstar has done this intentionally to hurt my credit and punish me for reporting this error to CPFB. Nationstar is a fraudulent mortgage processor and has damaged my credit so that I am not able to move my account to a reputable mortgage provider. I have provided documentation that verifies the issue and want Nationstar to credit the unapplied funds to my principle and interest account or send me the money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I never applied for these companies. I don't recognize these inquiries.

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