vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Amid several complaints to the U.S. Department of Education Federal Student Aid in XXXX, XXXX and XXXX about its Loan Servicer abusive and malicious tactics in the handling and discharge of my loan about XXXX and XXXX XXXX, an new Servicer " Nelnet '' after 7 years has taken my XXXX tax refund ( {$63.00} ) without cause. I received no notice from the U.S. Department of Education about this. The IRS finally mailed a letter claiming to be responsible for this offset and for me to cal Nelnet in XXXX, XXXX. When I called they were not friendly but picked-up the XXXX from year XXXX. 
I submitted a Doctors Statement ( section 4 ) for loan discharge - XXXX  and XXXX XXXX XX/XX/XXXX and I was lead that this loan was discharged then. Now I keep getting excuses from Nelnet saying! ) It was illegible 2 ) the discharge form was incomplete? So now they are making me do the form all-over again after 7 years, This is Malicious and XXXX! Now that I filed an intent With Nelnet for XXXX discharge XX/XX/XXXX & I have 120 days to submit these forms. Netnet is saying they will Not honor my paperwork and will not honor the 120 day grace period and will continue to take my tax returns. This us unlawfully and XXXX mistreatment and I demand it to stop! I also demand the return & refund of my {$63.00}. tax return that was taken. It was unfair because I am below the poverty level and have an inability to repay, I have No income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX upon receiving my bill in the mail I noticed the {$2500.00} payment had been applied to purchases instead of an expiring 0 % offer that was expiring and about to jump to over 25 %. I called and was assured the change would be made to apply the {$2500.00} payment to the remaining balance that was going to jump from 0 % to over 25 %. The rep explained they would refund me the $ $ and that I would turn around and pay it back so as to apply the payment to the balance amount I meant it to be applied to and not the purchases. Because apparently when I made the payment the payment was applied to the highest interest rate and not the 0 % interest balance that was to expire. But Bank of America just reneged on the phone conversation because I just receive a letter that they are unable to return the {$2300.00} because the original payment your are requesting was made more than one monthly billing statement ago. This is unacceptable. We had an agreement and now I have to carry a balance of over {$2000.00} with an interest over 25 % because I did the responsible thing and paid off the balance offer before the 0 % expired?!

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 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/19 I was scammed in purchasing a concert ticket for {$50.00} using PayPal. The seller collected the money from me and didnt issue the ticket as promised. After that, the seller removed his/her XXXX profile that we were communicating through. After contacting PayPal, they told me to contact my financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am having problems with roundpoint mortgage not dispursing my escrow money to my insurance company to pay my yearly ins premium. I have reapeatedly have called them and they have put me on hold numerious times along with lie n to me sayn they have overnighted my payment to my ins company.this has gone on since XX/XX/2019. They refuse to dispurse my money and i have well over the amount to pay it sittn there nor will they give me a explanation y..soo on XX/XX/XXXX my ins cancelled me n i had to pay out of my own pocket a XXXX dollars to reinstate my homeowners in n to keep this rgt for time being or till i can seek legal advise n consultation. I want something done about this asap.

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 2019-08-07 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: OH

Complaint narrative:
My credit is good. I applied for a ReFi on my home loan with XXXX XXXX- everything was great and we were going to close the loan in 2 days, when suddenly student loans and other derogatory remarks appeared on my report from Experian . As I investigated this matter thru Experian, I see that on my XX/XX/18 report, they added my sisters Student Loans, and other derogatory info to my report. Further, they changed my birth year to hers, and added her name as an AKA to my report. 

I did not get the ReFi because of this and so I called Experian Dispute Department. They still have not resolved the issue, and it should be further noted that XXXX   and XXXX has my correct information, but Experian has my sister merged with my report. If Experian is a data-operator, and not permitted to make changes, then how did this happen? I originally thought it was the Student Loan company that made the error, but I called them and they did NOT have my information on file, and there was no sign of my social security number in their records, so they couldn't have transposed or transferred that information to Experian, not to mention, all my sisters cfeditors are now on my report. 

I applied for another loan through another Bank and now they list my sisters derogatory creditors as the reason why I am being denied a LOAN.

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 2019-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
i was renting an appartment. the lady who manages the property had her son living with me and we had a verbal agreement that it will be a month to month lease. when i run into some financial hardship she had me evicted and now she the company is coming after me for XXXX just to hurt my credit. the original creditor is XXXX XXXX XXXX  the debt collector agency is AARGON AGENCY INC.I have been evicted and the property was automatically leased to a new tenant.every month when i lived there i paid my rent. the property manager who had that agreement with me is XXXX XXXX and her son who shared the home with me is 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 2019-08-07 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: LA

Complaint narrative:
Transunion is failing to report any credit history on my credit report. ( Please see the attached copy of my credit report. ) This purposeful omission of not reporting is harming my credit score. I have contacted the bureau to fix this, however I have not been successful. I respectfully request that Transunion update my credit report to reflect my credit history and current credit information.

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 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This complaint is connected to complaint number XXXX that I previously submitted. 
After Bank of America told me I was not approved for a refinance, I requested an adverse action notice. I was told I needed to " formally '' apply and pay the credit report and appraisal fees totaling more than {$550.00}. The fees are not refundable. I do not understand why Bank of America would charge ( and KEEP ) an appraisal fee when the company has no intention of completing an appraisal. 

The conversations about this took place on XX/XX/XXXX at approximately XXXX E. T. I was told the conversation was recorded.

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 2019-08-07 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: IL

Complaint narrative:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XX/XX/XXXX per my credit reports. I reached out to XXXX and Experian in regards to the following accounts : XXXX  XXXX XXXX XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.

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 2019-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I traded my 2015 XXXX XXXX lease two month early of contract for a new 2019 XXXX XXXX lease. Infiniti of XXXX XXXX the Dealer promised to waived the last two payments on my 2015 lease per the program offered at IFS. I received a bill for the two payments from Infiniti Financial Services for the two payments left on my lease. I contacted both IFS and the dealer to explained that I was promised this would be waived if I trade my two months early of contract. The dealer Infiniti of XXXX XXXX Finance Manager and Infiniti Finance Services personnel both agreed that it was a mistake on their part and that I was NOT responsible for this balance. Two months, nothing was done, I received notices from Infiniti Financial Services demanding payment for the balance. I contacted again, both the dealer and IFS to find out why they still did not process the waiver for the two payments. I was told every time that is being handled by a different personnel or department and not worry about. Three months later, I received a collection notice from a third party collection agency that my account was in default. I contact Infiniti Consumer Complaints and was told someone will handle my account XXXX. Nothing has been done. Every single time, I get transfer to someone new. The General Manager at Infiniti of XXXX XXXX continues to blame Infiniti financial and stating that they are suppose to waive the two payments and that since this was not been done that he will have their accounting department send a check to pay off the balance. Another 30 days go by, nor the dealer or Infiniti Finance Services have done what they promised. Now whenever I contact the dealer Finance manger or General Manager I get a voice mail. Infiniti Finance Services and the Dealer have been giving me the round around for almost 5 months. My account still shows unpaid and now in a third party Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted Chase Bank regarding my interest shown on my Southwest Rapid Rewards card this morning. I spoke with XXXX and then XXXX who absolutely was no help whatsoever. I utilized two promotional checks on this account. One where the full balance was due in full XX/XX/XXXXand the otherXX/XX/XXXX. I paid the first one off on XX/XX/XXXX -- in addition to all current charges for that month in order NOT to accrue any interests. However, what Chase did was to put the payment towards the offer for {$3500.00} which is due on XX/XX/XXXX and NOT to MONTHLY charges that I paid for. Chase then turn around and FRADULENTLY is now charging me on the purchases which I paid for that month a 25.24 % on {$1200.00}!! This type of bate and switch technique is unethical to which Chase Bank is forcing consumers to pay interest even though they still have a promotional offer which ends on XX/XX/XXXX. I WILL ENSURE THAT EVERY SOCIAL NETWORK AND MEDIA BECOME AWARE OF THIS UNETHICAL and FRAUDULENT TATIC THAT CHASE BANK HAS NOW RESORTED TO!! TOTALLY UNBELIEVABLE!!  Now, I definitely have a reason NOT to INVEST my or my husbands retirements with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Contacted Helvey & Assoc via phone in early XX/XX/XXXX about this debt and informed them that it was not mine due to identity theft. Informed them that I haven't had a job since the early XX/XX/XXXX 's and would therefore not have opened a utility account that I obviously wouldn't be able to pay for since I had no job. They informed me to file a police report and a report with the FTC and send them the information. XX/XX/XXXX I faxed the Police Report, The FTC Identity Theft Report, and a copy of my drivers license to them as they requested. Showing that I had filed the identity theft and that this account was opened using my information but not by me. 

They have sent this to ALL 3 bureaus ( XXXX, XXXX & XXXX ) as of XX/XX/XXXX. I  want this taken off of my credit reports, it is not my debt and they know this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase student credit card on XX/XX/19 in-person at their branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke to a personal banker who used their computer system to help me in filling out and completing the credit card application. The personal banker informed me it would take about 2 weeks to process and obtain a decision. 

I returned at the end of XX/XX/XXXX/XX/XX/XXXX and spoke to the personal banker to attempt to determine whether or not I was approved. The personal banker who assisted me said they didn't have an answer and they directed me to a bank manager. The bank manager called headquarters and was told the application had expired and they would need me to submit another application. I attempted to obtain clarity on why I needed to submit another application when I had not received a written response to my initial application but the bank manager did not have an answer. 

As I understand my consumer rights, I should have a written decision letter in hand based on the credit application I submitted. It doesn't make sense to submit another application for credit being that each inquiry lowers my score. 

If I am denied, I should be able to obtain a letter outlining Chase 's decision. I am working to improve my credit and ask for transparency in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: FL

Complaint narrative:
I Did Not Authorize anyone to open any Account Using my Social and ID to open this 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 2019-08-07 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: TN

Complaint narrative:
I went to my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have been working with NewRez for a while. They hold my current mortgage and, after negotiating, I was able to get them to agree to be competitive with other rates I was receiving. They started talking to me about the loan and I was very happy as it was going to save me 200-250/month and add very little to the loan. Eventually they were sending me LE and they were wildly inaccurate. They told me I simply needed to sign one and that they would get the correct numbers to me later. So I did. It took about 3 weeks for them to get me correct numbers and then they asked me to re-sign the original, incorrect LE. They said it was a technical glitch on their end. 

Then they started asking me for documents. I submitted all docs onXX/XX/XXXX and, somehow, they all disappeared and I was asked to resubmit those same documents again, sometimes 3 times. 

Lately the rates have been falling and I asked my mortgage lender about what he had told me on XX/XX/XXXX that if the rates begin to fluctuate downward, then they would move the rates downward as well. I asked a friend of mine to call NewRez as a potential customer. With a worse credit score and similar loan amount, he was quoted a quarter point lower than I was. When I asked this of XXXX XXXX, I was told that I was locked in and they could do nothing, even though that is not what he said on XX/XX/XXXXto me. 

My concern is : 1 ) I am being scammed. 
2 ) They continue to lose my documents that have my personal and security information on them. I am worried that I will be a victim of identity theft. 

Overall, if this loan ever does come through then I will save 200-250/month. But  unfortunately I feel this company is scamming me by lying about the lack of floating lock and losing all of my personal documents. 

I was also told that I would not have to pay both XX/XX/XXXX and September mortgage payment as the loan would be in place. So far I have paid XX/XX/XXXX and, if things don't move quickly, will be paying XX/XX/XXXX. Unfortunately, since they continue to lose my documents, it is slowing the process. 

Finally, I was told I would not receive my leftover escrow back but that they would lower the loan with it. That is not on any documents that I ever received, even though I have asked them multiple times for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
Someone using my name set up a few utility accounts in North Carolina in XX/XX/XXXX. They were placed in collections in XX/XX/XXXX. I did not receive any communications from the agency until XX/XX/XXXX. I have been sending documentation to establish my identity and show that I did not open the accounts in question. They have gotten every bit of information they need to clear it, minus a police report. My local police office does not issue police reports, but they did provide a letter stating all of the information I reported to them. The collections agency refuses to clear my case until they have a police report even though they have spoken directly to my local police department. There is nothing more I can do from my end, and the agency refuses to clear my case. They are literally holding my credit score hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi Bank of America is closing my account for no reason and they told Im unable to receive my funds. During the time my account was in process was being closed I was told by a BOA rep that I will be able to get my money from the branch. After I spoke to the rep I notice my account was getting charged by XXXX totally up to over 2,000 in fraud. The rep told me my account was froze but the person was still able to transfer money from my account using my account number. Its been over a month and have not received an affidavit for the fraudulent ach transfer and havent received the rest my money. Im a college student renting a room and now cant afford to pay my rent. Please help me resolve this. Thank you

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