vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OK

Complaint narrative:
In late XX/XX/XXXX, Co-Signer received call saying account is past due by XXXX days. Multiple payment notices had been mailed to the account address which all stated the first due date was XX/XX/XXXX. A few days later Co-Signer received another call stating that the account was XXXX days past due. Multiple times logging into the account the online service portal shows that account was never past due nor delinquent on payments at anytime. 

Lender states that an automatic auditing system audited the account and flagged my summer XXXX course as being out of full time enrollment effectively terminating my 6 month loan deferment as of XX/XX/XXXX. Representative on the phone call confirmed that the bot errored in flagging the account and could see that in the fall XXXX semester I was in fact still enrolled in school fulltime and the account should not have entered into the 6 month period. 

On XX/XX/XXXX both the Co-Signer and my credit scores began showing that the accounts are behind payments by XXXX days. Disputes were filed with the credit bureau as well as a phone call to the lender. The lender confirmed, on a recorded line, that my account was not past due, was not delinquent by that of XXXX days or by any days and the first payment was due on XX/XX/XXXX. As well stated that the delinquency notices had been retracted from the credit bureaus/ On XXXX, XXXX, XXXX disputes with XXXX and XXXX  were " resolved ''. One account on TransUnion was updated as being nondelinquent while the others still show as XXXX XXXX XXXX  days past due. XXXX XXXX  dispute publication shows that the lender confirmed that account was delinquent by XXXX XXXX XXXX days with date of first delinquency being XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: AES/PHEAA
State: CA

Complaint narrative:
I applied for forgiveness through the Public Interest Loan Forgiveness program on XX/XX/2021, after getting credit for payments they had not properly counted. They confirmed I was eligible for forgiveness shortly thereafter, and then it had been total silence. I have called multiple times for more information, especially as more and more people have gotten forgiveness who applied months after me. Each time I get a different, contradictory response about the status of my application, if I get any response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
Name on Card : XXXX XXXX SS ending in XXXX Cell Number : XXXX Visa card ending in XXXX Applied for a credit card from Avant.com and received visa card in XX/XX/XXXX, at which time realized for a {$500.00} line of credit, I will be charged {$39.00} annual fee. I immediately called them on XX/XX/XXXX and cancelled the card by phone and letter and requested a refund of the annual fee. However they went ahead charged the fee for a year starting XX/XX/XXXX thru XX/XX/XXXX and took the money from my checking account. The card was never used and they are refusing to refund the annual fee. 

Please help us obtain that money. After the fund was taken from my checking account, I spoke to XXXX ( call center overseas ) on XX/XX/XXXX, and was again refused nor would he give me a supervisor to talk to. Customer service number is XXXX I have uploaded my correspondence with Avant representative,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: OH

Complaint narrative:
We refinanced our mortgage with Better Mortgage Company, which was previously with XXXX XXXX XXXX. We closed in late XXXX. I have asked Better Mortgage Company to record the release of the XXXX XXXX XXXX loan and record the new Better Mortgage loan for XXXX XXXX months now and they continue to ignore me and tell me that they " submitted '' the forms electronically. When I call my County Recorder, they inform me that they do not have the records. Better Mortgage subsequently sold/ assigned my mortgage to yet another company and none of this activity is recorded. According to public record, my lender is still XXXX XXXX. I am at a loss for what to do. Better Mortgage tries to blame the County, but I am an attorney, and I have had documents recorded for many clients in a matter of weeks at the very latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted transunion and sent letters multiple times for three inquiries that I did not authorize transunion keeps telling me I need a letter from the company I have contacted all three companies and unable to get any assistance because I do not have an account with them

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 2021-07-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX hit, forced place Insurance at time Borrowed filed a claim on the damages, structure damages only roof, walls, ceiling, floors in heavy rainstorms water comes in through the doors, windows, mold. 
XX/XX/XXXX Foreclosure documents default {$17000.00} on forced place Insurance. 
XX/XX/XXXX, we get call from adjuster lawyers office, stating they were not able to help with the claim based on borrow has no right to file claim on property. 
Present XXXX damages are worse, mold has gotten in closets, bathrooms, rooms, kitchen new cabinets are deteriorating from mold and now we are bound to mortgage lender and insurance company on behalf of all damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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:
Iam a victim of identity theft fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent Information and want to investigation .Please remove the fraudulent Information immediately from my file.

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 2021-07-08 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: ERC
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSETS CONTINUE TO REPORT ON XXXX XXXX ALTHOUGH OTHER 2 CREDIT BUREAUS HAVE REMOVED THIS. PLEASE HELP WITH XXXX XXXX REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have been disputing some items on my Cheksystems and XXXX XXXX report consistently for almost six months now and I haven't received any progress or response from them throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any true progress from them on my XXXX account and it's frustrating because I can't make progress towards my goals with this in the way. Something needs to be done.

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 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX I called XXXX the travel site. I booked a hotel rooms for XXXX 2021 through XXXX. The agent charged my USAA debit card ending in XXXX. Upon arriving to the hotel the clerk could not find my reservation. I called XXXX at XXXX XXXX XXXX XXXX and they stated the rep put in the request for XX/XX/2021 through XX/XX/2021. XXXX apologized and stated they would refund my fee and cancel my booking. After leaving the hotel I was assured by XXXX to expect a refund within 3-5 business days. 

After a week I again called XXXX who stated they put in the request to XXXX XXXX to refund my card. I called XXXX XXXX at XXXX the cashier said she would have a supervisor call me back. They never did. 

I called USAA in XXXX. Spoke with a rep. She stated she would institute a Dispute and they would issue a temporary credit. I received a letter on XX/XX/2021 which I will enclose stating they need more information and giving me a due date of XX/XX/2021. 

I enclosed the reservation from XXXX. The cancelled booking from XXXX and proof of the payment via my debit card I provided my bank statement from USAA showing my $ XXXX charge to my card. 

I called the CS rep after to I submitted my documents to speak to the Dispute to both verify that they could see my documents and that this was all I needed. I was informed by the rep that the dispute department DOES not take calls but she would send a message over to them to give me a call if they had any questions or concerns. She was able to look and verify that I did submit documents. 

I heard nothing else but received a letter XX/XX/2021 stated that they either did NOT get my documents or they were not what they needed. This is not true. The copy of the voided receipt was furnished. And the copy of my bank statement was furnished as well. Also I furnished the cancelled booking as well. 
They are saying they are going to reverse the Temp Credit and charge my account on XX/XX/202 for {$310.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: I.C. System, Inc.
State: FL

Complaint narrative:
I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have contacted this company several times in regards to a debt they say I owe that is on my credit reports. I have asked them to validate the debt. In the most recent ( and only ) communication from them, they sent a copy of a bill ONLY. That is not validation of debt. I requested validation showing my full social security number, date of birth, and original signature. Otherwise, this debt is null and void and needs to be removed from my credit reports ASAP. I have filed a complaint with the FTC as of today regarding this company and it's practices. This is also the 2nd complaint I have filed with CFPB regarding this company and hope for a resolution sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/2021 chime sent an email to me stating that they were going to close my account within five days unexpectedly. So I reached out to them and the only thing they was able to tell me upon me asking why, was that I violate the agreement and to go read a section that explains it on website. My response was that I didnt violate the terms nor agreement of chime, I only receive my tax refund, stimulus, and work payments so how is that fraudulent activity. They couldnt answer my question. So on XX/XX/2021 I reached out to XXXX hes the one who invented chime and I havent received a response. This is not fair, for them to just close individuals account for no reason, and tell them theyll receive whatever funds thats in the account in the mail as a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: LA

Complaint narrative:
XXXX XXXX BALANCE {$370.00} XXXX XXXXXXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit XXXX 
I have no luck, Also I attended XXXX XXXX which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received a income tax refund on XX/XX/2021 into my checking account at citizens bank which was charged off on XX/XX/2021. Instead of them sending the check back they are holding on to my check for 15 days and are going to send me a check after. I am extremely upset by this due to the fact that I already had to wait 3 months to receive my tax refund because the irs was behind and now that they have finally sent it I have to wait almost another month to pay my past due bills that Im drowning in. I wouldnt receive my money until the last week of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I submitted payment on my mortgage ~15 days prior to the mortgage being due ( payment made on the XXXX of the previous month for a mortgage due-date of the XXXX ) and Home Point Financial returned the payment on the XXXX then started stating my payments were late moving forward. The payment was processed and withdrawn by my bank then returned and Home Point is saying they did not receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
I was denied an auto loan based entirely on my source of income being from XXXX XXXX XXXX XXXX. This is public assistance. I have been unfairly discriminated against by XXXX at CNAC Bank. Contact number is XXXX. XXXX said he is denying everyone on unemployment right now. I have over {$1800.00} a month in income. I can afford an auto loan. This is illegal discrimination. I tried reading the law to him and told him I would make a complaint, and he said " I won't hear from anyone. '' He is used to being able to break the rules and get away with it because he doesn't think you will do anything about it. I need a vehicle so I CAN get another job. I need help. 

They also will not provide me with a denial letter. I thought I had a right to a letter detailing the reasons why I was denied credit. 

This is the bank for XXXX XXXX

Company response to consumer: Closed with explanation