vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I believe the Nelnet is unfairly and possibly illegally putting borrowers in the position to have to potentially pay more on their student loans by forcing them to capitalize their interest into the loan by failing to advise on denied application for income base repayment. 

On XX/XX/2019, I submitted my annual recertification for the IBR and was confused on a particular question about access to my spouses income. I marked that I don't have access to her income because she is a XXXX   XXXX, and does not have income. This apparently required more information that they claim they emailed, called, and mailed to me and that I did not respond resulting in a denial of my IBR request. I found out today, XX/XX/2019, when I received a statement with an " incorrect '' amount. I have not received one email from Nelnet until today when the advisor I spoke to on the phone emailed me a correct application to sign and send back. I have not received anything through the mail except the monthly statements. And I have received no calls. I was informed that I could check on all this on my Nelnet account. After logging into this account, there is NO correspondece from them in any way, outside of statements. 

Now, in order to not become delinquent on my account, I am forced to file for a deferment while they process my application ( again ) which then allows them to capitalize on the interest. If they had actually contacted me anytime within the last 2 months to inform me of the issue, I could have addressed it in due time without having to require this deferment. 

This behavior is very shady. I know this could possibly seem like a roundabout scam but if they are doing this to me who else is being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: NC

Complaint narrative:
I am a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp
State: CA

Complaint narrative:
Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are unverified items on my credit report, I have no knowledge of these accounts.

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My identity was compromised while oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by BMO Harris. I demand that this item be removed from my XXXX  report immediately.

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 2019-05-21 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: CA

Complaint narrative:
RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX ACC XXXX, Date Opened XX/XX/2016, Balance {$530.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. 

I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX condition and my small claims form should them fail to cooperate and abide by the law.

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 2019-05-21 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
The people that are run the Best Buy credit card refused to send me an item I statement they won't send me one via email and they refused to send me 1 through the know I have tried on 4 separate occasions to no success I have not been using my card but my balance keeps going up. And they refused to send me any documentation

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 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The attached letter explains what I have been going through with my mortgage company for about a year. My husband was on the loan with me but passed away in XX/XX/XXXX. Chase told me that I had to remove his name from the mortgage before I could be even considered for any assistant. I started the process in XX/XX/XXXX and the process lasted about four months. In XX/XX/XXXX or XX/XX/XXXX. I was served with papers from the Sheriff 's office of a active Foreclosure with a sale date in XX/XX/XXXX. I contacted Chase and they suspended the foreclousure will they had me to fill out forms and send in paper work to be considered for a hardship. After about two to three weeks, underwriting denied the application. I was told to resubmit the form because, by myself, my debt to income ratio was to high. I appealed the decision because my daughter had moved in with me, which is permanent, and I used her contribution to the household. At that time, the denial was based on USDA guidelines were not met. No official letter of the decision. I found out by calling and inquiring, then they sent a letter of denial. I never received an official certified letter from Chase about the foreclosure. I believe that they told me to apply for assistance, knowing that they would not approve anything but to cover them. I feel that this was unfair treatment and showed no professionalism at all. The reason for denial now is that they have add {$38000.00} of arrearages for late payments, lawyer fees and whatever else that they could charge me and yesterday I was told my only option is a short sale and the house has to sell within thirty days to avoid foreclosure. This process has been overwhelming and extremely stressful. Our know there are other people out there that have experienced the same unfair treatment. The last denial was because of the arrearages, Chase never sent me a letter about any payments due until the foreclosure process began. They also said that due to UDSA guidelines, they is no assistance that can be offered. Please review their practices. If this does not help me, maybe the will rethink how they treat people when they are made to answer. This is a USDA back loan and I was told that Chase could help if they wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
While I was XXXX overseas in XX/XX/XXXX my wife ( at the time ) opened up at Paypal Credit Card with my personal information without my consent or knowledge and without having a Power of Attorney. She spent upwards of {$5000.00} and I was never notified or told about this until XX/XX/XXXX. Paypal Credit called me to collect this debt in XXXX of XXXX and told me that since I was married at the time of the account being opened that I am still responsible for paying the debt. I filed a police report and had the account closed and investigated for fraudulent activity but XXXX has denied my claim multiple times saying that they will outsource the debt to a Collection Agency who will report this to my Credit. I  did not receive any merchandise and had no knowledge of this account being opened prior to 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 2019-05-21 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
A derogatory report was placed on my credit report from a company XXXX XXXX with no account number or any information in amount of XXXX which is not an account that belongs to me. I t is not mine. Tried to dispute on XXXX  but they require account information to include who is reporting and an account number. I do not have thus information How can anyone be allowed to do this and I am asking this be removed from my report and the company that did this to me to include name and their backup do that I can pursue further action Had it not been for XXXX  XXXX I would not have known this do I have to believe they are doing the same type of thing to other unsuspecting people. They need to face consequences for such action I have faith that XXXX XXXX will take care of this and help me resolve it and cause my credit score to go back up where it should be XXXX XXXX  is a great service. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Upon trying to open a checking account on XX/XX/19 I became aware that XXXX XXXX has an account on my report, or somewhere in their system, of someone with a completely different name than me opening an account at XXXX XXXX XXXX XXXX. This discrepancy caused my application to be rejected. I ordered a report from XXXX that day because I was told by a XXXX employee that this was the only way I could talk with someone that could help me resolve the error. I received the report about two weeks later. I could not find any mention of the erroneous account on my copy of the report, so I called the XXXX  phone number on the report. The person I spoke with said they could see the XXXX XXXX XXXX XXXX account with my social and a different name, and that I would need to fax my social security card to them to prove I'm me. I do not want to do this. I do not trust them. I do not have very convenient access to a fax machine. Lastly, I do not want to do their job for them. I have had difficulty contacting and communicating with XXXX. They have been an awful and difficult company to deal with. It is clear to me that I am just cattle to them and not their customer. It would seem to be a simple, common sense matter for their database to flag or not allow two different names to be attached to one social.

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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
About 9 months ago I put a fraud alert thru another company to alert that my identity was compromised. I resolved the issue and the fraud accounts were removed from my credit report. 

I have been having issues getting this company to remove the fraud alert. I wrote them several letters and they actually send me letters saying that they are placing another fraud alert on my credit report. 

This is giving me a problem because I can't obtain credit, and I have had credit rejections due to these fraud alerts.

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to take off my fraud alerts

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 2019-05-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I attempted to refinance my existing reverse mortgage with AAG ( American Advisors Group ). Things went smoothly from XXXX XXXX, 2019. I was working with XXXX XXXX. His AAG office is located in XXXX, CA, and I live in XXXX, CA. From the time I approached AAG on XXXX till the XXXX, Mr. XXXX was responsive to my calls and emails. 

Since XX/XX/XXXX I can not get Mr. XXXX, nor his supervisor, to respond to my calls or emails requesting an update on the status of my loan application. I have copies of the emails I sent and the ones I received from Mr. XXXX until he stopped responding. 

On XX/XX/XXXX I had a counseling session with a representative from XXXX XXXX XXXX. I have the counseling certificate as does AAG. The session cost me {$190.00}. 

On XX/XX/XXXX a notary selected by AAG came to my home and I signed the loan application documents. I have hard copies of these. 

I received a letter about one week after I met with the notary, informing me that my loan application would be nullified in fifteen business days if AAG didn't receive the documents from the notary they sent. I have no way of knowing if AAG received those documents in time since Mr. XXXX and his supervisor have not updated me. 

I would like clarification. Being 'ghosted ' by AAG doesn't seem like a good business practice. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AAS Debt Recovery, Inc.
State: OH

Complaint narrative:
I have some issues with my credit report I have a unverified accounts Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. 
AAS DEBT RECOVERY INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: FL

Complaint narrative:
It has been over thirty days since I field a complaint with you regarding ( XXXX XXXX ) this company and attempt to take my home. I have paid my mortgage up and will be paying the escrow amount that is due yet I receive anywhere from 5 five phone calls a day from the mortgage. When i contact them I am still being given the run around. I need assistance with this company who is making every attempt to defraud me and take my property, PLEASE HELP. stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to remove my fraud alerts

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In reference to my earlier complaint XXXX with Capital One, I have new supporting documentation of all accounts satisfied in full with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to remove my fraud alerts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: MO

Complaint narrative:
I have contacted Equifax 3 times in last year, XX/XX/2019 being last date I sent letter. I received no response. I have ask for proof of debt on account number XXXX as of today I have no idea what the out come of their investigation. I believe this debt is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX I noticed I had two pending transactions. An ACH payment for {$50.00} and another ACH payment for {$29.00}. So I head to the bank to deposit {$40.00} needed to cover those transactions before I get charged two insufficient fund fees. I was expecting another ACH payment for {$100.00} to come in on Monday which I was okay with paying that fee to cover that payment. On Tuesday I get an alert showing three Insufficient funds fees. The way they structure the payments to go into the account {$100.00}, {$50.00} and {$29.00}. I called customer service on Tuesday and talked to XXXX  who was unable to explain to me how is it that on Sunday the two smaller transactions are shown pending on the app but come Tuesday the bigger transactions is posted first creating not one Fee but three. I believe this practice is wrong they are structuring the way payments come in in order to collect more Insufficient Funds Fees.

Chase Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a fax request and a certified us mail request for account verification, as of XX/XX/2019 I had not received any response from XXXX XXXX. I reached out to the company and ask since they fell to provide the requested documents within please remove the account from my report. Representative XXXX a supervisor could only make that decision, supervisor XXXX got on the phone and I advised of the situation and my request to have the account removed since the did not verify the account, she advised me that a response was sent to me at my P.O. Box in Florida. I dont live in Florida nor did I provide a Florida P.O. Box in my request I provided all my current information. I will attached a copy of the fax and certified letter for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XXXX I went to the Equifax website to life a credit freeze I had placed on my credit in order to apply for a card. The system said I could not do it and had to call. I called Equifax and they proceeded to say the online system did not work. Fine. Then they asked about a dozen questions - all of which I answered - and then they said - not enough and they could not lift the credit freeze. The question they seemed to have a problem with was Did I EVER have a department store credit card and what was the minimum payment. My last department store credit card was cut up years ago - I do not use them and SO HOW CAN I KNOW the minimum credit payment? I pay off my cards. They are ridiculous! If I answer my questions - they SHOULD LIFE THE FREEZE!!!!

Company response to consumer: Closed with explanation