vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My current loan was in forbearance until XX/XX/2019. There is a letter posted to my account by the lender ( servicer ) stating repayments were to begin in XX/XX/2019. In XX/XX/2019 and XX/XX/2019, payments were debited from my account. My account overdrafted due to these payments being withdrawn from my account. The overdraft fee is {$37.00} per day. I provided the servicer company with my state assistance information, which they declined to accept. I asked why my payments began before the stated date of XX/XX/2019. I was advised that the money was owed to the company. The payments were to begin XX/XX/2019. On XX/XX/XXXX ( today ), 2019 another payment was debited. Now they are debiting early from my account. This occurred in violation of the letter the servicing company provided to me. 

The loan states that the XXXX XXXX XXXX is the school I attended. I never attended school there. 

I have been unemployed for XXXX years due to health issues. I am currently awaiting a decision on XXXX and have been on state XXXX and food assistance during this time. I have provided documentation in the past proving this. Nelnet now says that this is not acceptable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have written transunion and XXXX to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..

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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Like all consumers. I make frequent credit card charges. This one concerns my Chase Amazon credit card. Charges showed up and I was warned by Chase Fraud and asked to verify : {$44.00} at XXXX on XXXX.and {$49.00} at XXXX. I called the Chase Fraud line. The staffer explained that these are data processing cos ( middle men ) that work for many vendors. What I consider outrageous, which should be the subject of regulation, is that even if such a company does answer the phone, they often dont know or wont disclose the vendor who is saying I made the charge. This leaves us consumers first prey of fraud and secondly incapable of verifying charges unless we write down in a notebook every single transaction we engage in using our cards!! If credit card cos are going to hire data processing cos to charge consumers accounts, these companies need to be required to reveal the names of the vendors involved, so we consumers can readily approve or deny our charges. This is just minimal consumer protection! Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I referred XXXX XXXX business account to Regions from my business referral account, and she recently received her {$150.00} incentive as part of the Regions referral program. I never received mine ( while I was the one who referred her business from mine ), and over the last few months, Ive contacted Regions technical support multiple times since the account wouldnt even let me log in to the referral portal. The error message has reflected either Login Failed or Connection Unsuccessful. Login failed. In XX/XX/XXXX, I was given the ticket number XXXX. Ive spoken to at least 10 representatives about this issue, have spent hours on the phone, and I even went in branch and followed up with emails to XXXX XXXX and XXXX XXXX ( XXXX branch ) neither of whom replied to a single email I sent. Everyone insists the issue will be resolved and then absolutely nothing happens. I also never got the incentive for person who referred my business account ( and neither did they ). 
Talked to XXXX on XX/XX/XXXX ( dialed XXXX ), and shes submitting a request to the marketing team to look into why I didnt receive the one for XXXX. She couldnt explain why XXXX wouldve gotten mailed out while mine didnt, and said she could see where all requirements were met. She also said the marketing ticket number can not be provided. XXXX said she would contact me by email. I obviously have no trust or faith that this will happen given Ive been transferred to many departments and have spoken to so many reps all of whom have not provided any resolutions over the last few months. Its extremely disappointing that shes saying a technicality prevents the incentive for XXXX referral of my business when there were technical issues setting up the account due to them combining personal and business accounts with the same login. They even made me update my login credentials after opening the 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 monetary relief
Consumer complaint received 2019-05-14 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX  XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX BANK XXXX. XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX Back dated on XX/XX/2019 stated that I need to further provide information, otherwise, the credit card application will not be approved. Upon the time, I was aware something wrong, so I checked my credit report, it did show XXXX XXXX requested my credit report on XX/XX/2019, but the customer Rep at XXXX  said XXXX XXXX requested credit report but did not have a track of credit card application. Just over a weekend, I received a full pack of information included a credit card from XXXX XXXX on XX/XX/2019. I called XXXX XXXX and asked to close the account on XX/XX/2019. 

First at all, I did not submit the credit card application ; secondly, I did not reply the requested further information, but the credit card was still approved and sent out. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: LA

Complaint narrative:
On XX/XX/2019 I mailed a payment in the form of a money order First Class, Certified mail to First Progress in an attempt to satisfy a debt they stated I owed in the total of {$120.00} to the following address that was given to me over the phone by their company and was also reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX. On or around XX/XX/2019 I contacted XXXX XXXX to find out if they had received the payment, since I had not received a receipt or any correspondence, and a representative from their company stated that they had not received my payment. However, when I checked the tracking number it states that the letter and payment I mailed arrived XX/XX/2019 at XXXX am to a Postal Facility in XXXX XXXX, TN XXXX and was " Delivered, Individual Picked Up at Postal Facility XXXX XXXX, TN XXXX '' at XXXX XXXX on XX/XX/2019. When I questioned the First Progress representative about who may have picked up my payment they informed me that I had mailed the payment to the wrong address. I am certain that I addressed the payment to the same address that they gave me over the phone when they called to collect on the debt and the same address that was reporting on my credit report. I would like to dispute this account that is reporting on my credit report as if I still owe a balance on the account when in fact I paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have disputed medical debts on my credit report and have each time I am being told they are valid. I do not recognize the original company nor the collection agency. I have two derogatory marks on my credit due to the same company trying to collect twice for different amounts. I receive phone calls constantly, at times I have been threatened to have legal actions, garnishments, etc. The calls do not stop, even though I have continuously disputed this through XXXX XXXX and through the credit bureaus. I want it removed and have not been successful in getting both removed. I have not been provided with information that proves I owe this debt, I do not show ever having used this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: FL

Complaint narrative:
I ordered the cable and internet service with the XXXX XXXX company without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Here I am again, my last complaint and the company response as usual. It's looking like they are throwing the ball one to another. Attached please letter sent to the Judged who handled the Bankruptcy Court in the State of Delaware since XX/XX/XXXX representing my assignor XXXX XXXX XXXX to see if they have any authority to assign the same at the time they executed such assignment of mortgage in XX/XX/XXXX. Also sent to every trustee involved in this case. Lying to the Federal Government is truly a criminal activity. 
Will open the case in Delaware been in touch with every trustee that is looking into this fraudulent matter and entering with enough evidence a Federal Law suit. Still have hope that as the institution assigned to protect consumer this matter will go more than a response from the company has been received. 
Thanking you in advance for your cooperation in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Management Solutions, LLC
State: CA

Complaint narrative:
As of XX/XX/XXXX FINANCIAL MGT SOLUTIONS in XXXX, MD continues to run my credit report resulting in hard inquiries without authorization or notice. 

I have spoke with a collection agent about the matter and asked why are they accessing my credit on a debt that was resolved and deleted from my credit report several years ago. 

The agent stated that he is allowed to check my report resulting in hard inquires by law. He stated that he sees I am " still renting '' and any debt can affect that in the future and he wanted to see if I had any open credit to pay towards " his client '' on a paid debt. 

The debt was settled and removed from all credit agencies, as well as from my rental history in XXXX. In XXXX XXXX this company pulled my credit report and when I called to see why the agent added another hard inquiry to my report.

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 2019-05-14 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: MI

Complaint narrative:
In XXXX, I discovered an account with XXXX XXXX on my credit report, in the amount of {$2400.00}. I immediately contacted XXXX in regards to this account. I explained to them that I had not opened an account with them, and that this is a fraudulent account. The Representative with XXXX, explained to me that I needed to file a police report, forward the police report to XXXX 's fraud department, and there would be an investigation. I filed a police report with the XXXX police department and forwarded the police report to XXXX 's fraud department. After the investigation I received an email explaining that there investigation showed, I did not open this account, also that I was not responsible for the debt of {$2400.00}. This account was removed from my credit report. Myteriously this account with XXXX XXXX showed up again on my credit report via XXXX XXXX system in the amount of {$2400.00}. Once a gain I contacted XXXX wireless in regards to this debt. I spoke with XXXX a representative with XXXX XXXX, XXXX, she was unable to pull up police report. XXXX told me to resend police report. I resent police report in XXXX, XXXX and again in XX/XX/XXXX. I still have not heard from XXXX in regards to this account, it's still remains on my credit report causing big problems.

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 2019-05-14 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I've never had an account with these people.

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 2019-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency XXXX XXXX /XXXX XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for Experian

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 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Since XX/XX/2017 I have been trying to remove the PMI which is {$170.00} a month ; in total I have paid {$2000.00} that I didn't have to. Either the mortgage servicing company gave me the run around and refused to have me get an appraisal to prove that my LVT was at 78 % ; or they would sell my loan as soon as I got an attorney, and now I have been paying {$170.00} for long the original property appraisal has put my LVT at 76 % and again the new serving company refuses to remove the PMI. 

The PREVIOUS SERVICER WAS XXXX AND the current is loan care.

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have written XXXX and Experian to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..

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 2019-05-14 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-14 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: Ocwen Financial Corporation
State: IN

Complaint narrative:
XXXX is reporting an open mortgage with Ocwen loan servicing opened in XXXX. The house was foreclosed on in XXXX under XXXX. I filed chapter XXXX in XXXX and Ocwen is showing as an open account presently.

Company response to consumer: Closed with explanation