vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: LoanCare, LLC
State: NJ

Complaint narrative:
Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. 

I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. 

Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. 

The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. 

I was told by a Loancare representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. 

Attachements are letter from attorney and XXXX letter declining me from a business credit card. 

As an AMerican who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act.

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 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went into Bank of America to apply for an bank account on XX/XX/XXXX. I was told to call ph # XXXX. I call number gave them my info I thought it pertained to a fraud alert I have on my credit report. Little did I know, the agent to me that checking accounts had been open from XXXX to XXXX with my Husband which, I was only married for three months before his death and we had no accounts together. Woman stated the amount charged off for over $ 7k ( fraud ). I was then told about 4 other accounts open in my name in XXXX ( bank would not disclose the amounts ). I told them I was a victim of fraud I Bank America has never sent any letters or notice to me. I asked about the address listed for the account but, the agents said it was against federal law to disclose the address since, this was a fraud account. I never had any accounts with Bank of America. I filed an Identity Theft report with XXXX Police Department XXXX. I am very upset because this is the first time ( its not ever on any reporting agency reports. I would like to know what was purchase on all the accounts and the address this was sent to. Why would bank allow someone to open that many accounts in one year running up amounts? I need to know this I have a right ...

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX submitted a credit screening on XX/XX/XXXX with Equifax , where on the XXXX I submitted the despite in question # XXXX and provided by fax myself on XX/XX/XXXX legitimate information regarding payment in full on XXXX XXXX in XXXX Washington which reflected on my credit report thus effectively holding up on a rental unit I amply for. Stagnant along with foot dragging with continuous disregard to my inquiry by Equifax has put my future and kids at risk and has caused great heartache and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TX

Complaint narrative:
To whom it may concern : I am writing to inform you about some incorrect information I noticed on my TransUnion credit report I have 3 collections from XXXX XXXX XXXX in the amount of {$1000.00}, {$4000.00} and {$5800.00}. The collection agency told me they would have this false information removed and it has not been yet. I have a letter stating the removal of these accounts. 

Also Collection account XXXX XXXX, I do not have any knowledge of this account and XXXX XXXX XXXX is reporting a collection for XXXX XXXX  XXXX in which I filed a Identity theft report for that account thru the FTC. This is for this account and the account XXXX XXXX that is on 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 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Simple account because they were having a bonus. As soon as I transferred XXXX, they locked my account.Their excuse was they can't verify me.I assure you there is no problem verifying me.I 've had all the big banks with no problem whatsoever. I immediately called and sent a message to close this account because I found this very suspicious. That would of cancelled the transfer. They WOULD NOT close it. So they stole XXXX from my XXXX account. That seems very serious to me. If I could file theft I would have. 2 days later they now have my money. I again told them close my account and return my money to XXXX. They WOULD NOT do it. Now i'm forced to send picture id, ss card picture and statements, which I did. They then tell me they can't accept the statements and send a verification letter, which I did. 9 days later my money is still locked. I called up and went off on them cursing, which is the only reason they sent me a message.Now they say the verification letter I sent has a 1 888 # and they want a direct # to a XXXX rep. After a lot of trouble XXXX called them and we did a 3 way call. My money was unlocked and I immediately transferred it back to XXXX. I told them close my account 2 wks ago and they will not close it. So i'm contacting the CFPB not only because I want my account closed but to get this corporation on record. They are locking peoples money once its transferred and using verification as an excuse for whatever scam they are trying to pull. Its very suspicious that they cant verify people AFTER they receive the money. All banks verify people thoroughly BEFORE money is exchanged. Why they will not close accounts is also suspicious. Its not just me. There is 151 complaints on the XXXX about this company that I found, probably a third are the same issue as me.XXXX knows how many more innocent people are being screwed over. These scumbags are locking peoples money for wks, months, i even read a yr. There is something seriously wrong here. If ever a corporation needs investigating, this would be it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has not contacted me in regards to a loan modification. I have submitted all the paperwork that Bank of America required. I've contacted Bank of America multiple times only to be told to speak with Bank of America 's attorney. I've tried that also without a response

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 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was behind in payment Ocwen offered a modification if I paid the arrears. I did and became current they inturn approved a loan modification and I was on track but in the interim they turned my mortgage over to PHH they refused to continue with the loan arrangement instead they offered a Balloon Payment with a 15 year term payments only applied to the principle and also said my wife had to be included on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not 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 2019-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hello, I am reaching out to CFPB regarding a signature loan with Navient XXXX XXXX. I have tried several times to inform them that the amount they are requesting me to pay monthly is unreasonable. The company has provided an interest only payment option as of XX/XX/XXXX for me to pay which is of no benefit to the loan. The option keeps them from calling me, which a representative informed me can be eight times a day. This form of harassment is asinine and should not be a business practice for a federal loan provider. I obtained this loan back in XXXX for a University that I did not graduate from and have been stuck with this burden ever since. When I was a minimum wage worker and not pursuing a college education, to keep navient from consuming 90 % of my income, I was forced to use the forbearance option as my only solution. Today, they want me to pay on the interest of the loan and when I can't afford that, they harrass me and my family with robo calls. The state of Georgia allow debt collection to begin at XXXX XXXX, the current time is XXXX, Navient has called me three times from three different numbers while I am at work. How can this be fair to consumers who only wanted to get a college degree?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX Bank now Santander Bank is reporting my accounts which I closed in XXXX. The account was XXXX in XXXX. But Santander is reporting I owe them XXXX, this account was XXXX in court XXXX. 
they should correct this information on all reporting agencies.

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 2019-09-13 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: FL

Complaint narrative:
submitted a dispute describing multiply violation on credit report but yet still Experian claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.

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 2019-09-13 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: AL

Complaint narrative:
I called Transunion on XX/XX/XXXX to dispute some inquiries on my report that I did not recognize nor approve. Customer service did not help and refused to remove them from my report : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My auto loan matured XX/XX/2019. In XX/XX/2019 I contacted Chase Auto to find out how to resolve since the final payment was {$2400.00} ( due to financial issues during the course of the loan, deferring payments to the end of the loan ). I spoke to a gentleman who advised me the full balance was due but I had 120 days from the due date of XX/XX/2019. I asked him to give me an actual date. He replied XX/XX/2019. On XX/XX/2019 a payment was processed by bank in the amount of {$400.00} which was sent in error through my bill pay. ( My error ). I contacted Chase to verify that they at least posted the payment to my account since I know that I had to make a full payment. Upon speaking with several reps, I was finally transferred to the repossession department where I was notified that my car is currently in repossession status. I asked why because according to a representative within their company, I was told I had until XX/XX/XXXX. I was told that my account was charged off on XX/XX/2019. This is the second time I've had to file a complaint on Chase Auto due incompetencies. I now am in a repossession status in which they can pick up my car any day. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have reason to believe that Navy Federal Credit Union is harassing me with location services and investigative services through the XXXX XXXX XXXX XXXX, since a private investigator was hired to locate my car. ( Please see Factual Content & CFPB COMPLAINT #  XXXX ). I have reason to believe this because when I spoke with a representative ( XXXX or XXXX ) at Navy Federal Credit Union over the phone one evening she said that XXXX XXXX will locate me. The tone behind what she said seems to imply a threat or investigative services, and this bothered me. It still bothers me. 

In the past a private investigator was hired to confiscate my property, and I am concerned that even though my car loan payments are current someone is still being hired to locate my property, observe, and report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NY

Complaint narrative:
I applied for student loan forgiveness with the XXXX DOE on XX/XX/XXXX, for my many years of teaching with them. I received approval in XX/XX/XXXX. I immediately faxed the approved student loan forgiveness to Granite State Management & Resources, from XXXX XXXX XXXX, here in XXXX, NY where I live. I fax successfully went through and I received the ok, as I always do when I send a fax out from this library. 
Granite State Management & Resources, has told me over the phone that they have never received this information. It is on record with the XXXX DOE and apart of the fax system at XXXX XXXX XXXX, in XXXX, NY. 
I have also been on unemployment since XX/XX/XXXX. 
I have sent them documentation on several occasions proving my unemployment. Granite State Management & Resources, is also telling me that they have not received the information, even though I have an ok that that information was received through fax. I have recently e-mailed them proof of my unemployment. 
They continue to add on cost to my student loan, refusing to issue me my granted student loan forgiveness from the XXXX DOE. They have also ignored the fact that I have been on unemployment from XXXX and then again consistently since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX closed for committing fraud on peoples loans. They were overcharging and pocketing the money. I was lied to by admissions staff and I feel like I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
There's more to the issue than what options were available. 

The account through Bluebird through American Express was used to make a purchase in the amount of {$49.00}. Funds ended up being added to the card later, in the same or similar amount as the purchase, but were subsequently removed. 

A separate account, the one for which the purchase was made, has recently informed me that the funds were returned from them to the Bluebird account, but since the funds were added and then removed again, I had not recieved the benefits of the returned money. 

Now, the second account has been temporarily suspended, until I can repay the returned funds. 

Additionally, Bluebird has also Permanently suspended my account, and will not allow me to contact them to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Payment Errors : I made 4 payments to XXXX XXXX, XXXX. c/o LoanCare , LLC in XXXX and XX/XX/2019. XXXX credited the first 3 payments on the dates received, then reversed the payments on XXXX  and credit the third payment as the only payment made before selling the mortgage. The payments have now been credited to my account, but I can not get them credited to the correct dates -- costing me hundreds in interest. I spoke to both XXXX and the new lender ( XXXX ) who incorrectly told me dates don't matter, and that I would never get the dates changed. I sent both servicers certified letters documenting my payments. XXXX did not reply to my written complaint and XXXX replied, but said they don't see any problems. 
1 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$42000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
2 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$27000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
3 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1900.00}, which should have been credited as a normal payment. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 
4 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1000.00}, which should have been credited to principal. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 

Failure to provide accurate information regarding mortgage servicing transfers : XXXX XXXX, XXXX. c/o LoanCare , LLC failed to tell me that my loan was being transferred to XXXX prior to the transfer. When I called XXXX XXXX, XXXX. c/o LoanCare , LLC on XX/XX/XXXX, I was told that XXXX received my loan on XX/XX/XXXX and XXXX staff told me they could no longer help me, because I wasn't their customer. After I complained via phone to both companies, I received a letter from XXXX dated XX/XX/XXXX ( the date I called ) letting me know that they would be taking over my loan on XX/XX/XXXX.  Both companies told me it was my responsibility to work with the other company to resolve my payment errors, even though by law they're supposed to work together to correctly credit payments made during the transition period. I have attached the letter I sent to both companies in XXXX.

Company response to consumer: Closed with explanation