vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: ID

Complaint narrative:
My daughter was going to XXXX when they closed their doors. I HAD Taken out ap parent loan for my daughter and it went through Nelnet as that was where my student loans are through. Both my daughter and I submitted the federal form for loan XXXX eness due to school closure. My daughters financial institution that is handling her student loans accepted it and her loans were wiped out and I have had to reapply 3 times and Nelnet keeps mishandling it and in the meantime is making me make payments and still accruing interest on the loan. Every time I contact them the answer is the same ... .I need to resubmit. I 'm frustrated and do not know what else to do. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank has legally stolen the money that my mother put into UTMA trusts for her grandchildren. 
My mother, XXXX XXXX XXXX, opened UTMA and annuity accounts at JPM Chase for her grandchildren and contributed regularly. When we learned she got XXXX, we immediately went to our local branch to request paperwork to transfer the custodian of record for all of those accounts to her children, XXXX XXXX. XXXX and myself, who are the parents of her grandchildren. I took pictures of her signing the paperwork, and submitted those to JPM Chase Bank. 
After she died on XX/XX/2008, we learned that JPM Chase had FAILED to provide all of the paperwork. They only gave us papers for the annuity accounts, not the UTMA accounts, even though I made it very clear at the time what we wanted to do and why. The banker who gave us the incomplete paperwork is no longer with JPM Chase. The lawyer fees we would have to pay to probate her will and release the funds would exceed the combined value of the accounts. 
I have made many, many inquiries and complaints over the last nine years to JPM Chase, including at the branch and to their Presidents help line. The only advice they offer is to wait until the kids turn XXXX when they can claim it themselves. 
That would be acceptable, except that they charge a fee of {$5.00} per month per account. All appeals to cease charging this fee have met zero success. The net effect is the accounts will be depleted entirely by the time the kids are of age to claim their rightful inheritance. 
JPM Chase has already stolen {$60.00} per year times XXXX kids times 9 years from a XXXX victim and her grandchildren. Everyone is oh so sorry, but the fact remains. No refunds are forthcoming, and the fees continue. 
If Americans can not trust their banks and the laws behind which the banks hide, then what use is a financial system? 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: NY

Complaint narrative:
I am being charged {$600.00} from central financial control which is a debt collector for XXXX medical center. This debt and account is an authorized and my primary care physician is located in XXXX and this debt originated from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Company name is southwest credit, located in XXXX tx. 
They are calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. 

I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. 

The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX XXXX, XXXX, we signed up for a virtual office and mail receiving service from a company called XXXX. In XXXX of XXXX, we were informed by XXXX clients as well as XXXX that they had sent letters to our NY address provided by XXXX company. We called ( left a voicemail since no one answered our call ) and emailed twice before XXXX of XXXX asking the XXXX representatives about this and did n't get a response. Therefore we made a decision in XXXX, XXXX to dispute the charge through our credit card company Barclays Cash Forward. They provided us temporary credit. Then XXXX XXXX, XXXX, they reversed the credit saying merchant ( XXXX ) has sent documentation to fight the chargeback. We requested that we see the documentation so we can defend our decision to dispute that charge since we did n't get part of the services we have originally signed up for. The letter was mailed out XXXX XXXX but we have still have not received it, We have called Barclays XXXX three times since then and they they keep saying it will arrive in 5-10 business days.

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 2017-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a mortgage with BBVA Compass Bank. My insurance agent regularly bills Compass Bank at the end of each year. Compass Bank is then to pay out of my escrow funds. On XX/XX/2016, Compass Bank debited {$1000.00} for my insurance policy for the XX/XX/2016 year. They then claimed that they did not have evidence of my insurance. They then debited {$630.00} for their own insurance on XX/XX/2016 despite having records of the existing insurance. After resubmitting proof of this double charge, Compass Bank only refunded my account {$200.00} of the {$630.00} they charged for duplicate insurance. 
I have tried to contact them only to be hung up on through their automated answering service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have 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 explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a dispute summary report from XXXX and I see Wells Fargo closed my home Equity loan account # XXXX on XX/XX/XXXX with a XXXX balance then opened a new loan Account # XXXX under a loan type of a '' line of credit '' on XX/XX/XXXX with a balance of {$27000.00}. 
I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account. 
It 's my belief that Wells Fargo has no legal right to open a new loan in my behalf by prepackaging a previous home equity loan that should have been closed out due to the home being foreclosed on ... Additionally within the remarks it states '' foreclosure initiated, '' when in fact the foreclosure has concluded and was closed once the home was sold back in XX/XX/XXXX? 

Wells Fargo has acted unethically in the past and has been found guilty by our court system of falsely opening illegal accounts without permission or knowledge of its customers and has been ordered to reform their company 's business practices and pay a stiff penalty for their illegal actions.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Since XX/XX/2016 ( almost 6 months ) I have been submitting disputes with Experian regarding XXXX on my credit report. 
Experian keeps sending me letters that they are investigating and reinvestigating these disputes. 
The company ( XXXX ) has failed to provide a verification of debt, failed to provide a Statement of Debt charge off statement. Yet Experian does nothing except keep " investigating the investigation ''. 
In the meantime I am humiliated by credit denials.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Experian, XXXX and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

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 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are address attached to my credit report that do not belong to me. I will like like for you to help me solve this issue.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL CREDIT AGENCIES REPORTING INCORRECT INFOR ... .REMOVE OUTDATED PUBLIC RECORDS PAST 7YRS AND SAME DATA REPORTED ON FILE XXXX X, REF # XXXX, REF # 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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( DSHS-DCS ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( DSHS-SCS ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( DSHS-SCS ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX account # XXXX, the XXXX Account # XXXX, and the XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the XXXX ( DSHS-SCS ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from DSHS-SCS ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.

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 2017-02-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
In XXXX of XXXX a fraudulent application for a loan was made with my personal information online. One main financial contacted me by phone to ask me to come into their office to fill our paperwork to complete the process. I informed them that I did not apply for a loan with them in XX/XX/XXXX. 

The person I spoke with said they would stop the loan process. They also informed me that I needed to send them a letter so they could delete the fraudulent inquiry from my credit report. I sent the letter to them in XX/XX/XXXX. 

They sent a letter back basically saying because it was an online application that they would not delete the inquiry. That makes no sense. I told them it was not me at the time this happened. My credit is suffering because of something I had nothing to do with. 

I am attaching my initial letter to them - their response letter - and a notice from XXXX where I alerted them that this was not me applying for the loan online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. 

I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. 

I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. 

I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I want to file a complaint against XXXX now known as Navient for systematically and illegally failing in accommodating to help with repayments of my loan back so many years I was in financial hardship due to being a single mom with XXXX kids. My student loans when I graduated back in XXXX was around {$30000.00} and now has reached almost {$50000.00} because for many years I was told I would need to file for forbearance even thought I submitted documents that I was going through financial hardships. I was never offered a better alternative to pay off my school loans. As a single mother of XXXX, soon to be XXXX and as a military member I should not have to be responsible for {$20000.00} of incurred interest because I was misinformed and taken advantage of paying for a higher school loan. Especially when I tried requesting for help to reduce the payments or other options what would not lead to increasing my loan to what it is now.

Company response to consumer: Closed with explanation