vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Gm financial is who are loan is with we joined the  XXXX  and sent in are paperwork for the service member civil relief act and they dont want to honor this act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: WA

Complaint narrative:
On XXXX/XXXX/17 Eagle Mortgage loan officer XXXX XXXX. said I pre qualify for {$100000.00} Conventional loan, and {$100000.00} FHA. XX/XX/17 Did Rapid Rescore with XXXXXXXX17 was told by XXXX rescore is back did n't increase score so the loan amount has to go down to {$80000.00}. Asked XXXX for pre-approval letter on XX/XX/17 re-requested it on XX/XX/17. An offer was put on house on XXXXXXXX17 started working with XXXX XXXX.I was told they could no longer keep my previous approval, and I had to put a bigger down payment of {$150000.00}. received loan disclosures on XX/XX/17.My loan amount was lowered again to {$75000.00} was told they where trying to keep me in the {$700.00} range. I was already quoted {$100000.00} by XXXX to stay in the {$700.00} range.On XXXX17 received loan disclosures. Did not sign was uncomfortable.XX/XX/17 Me, and realtor XXXX XXXX went into office so they can explain them.XX/XX/17 Turned in all requested documents to XXXX was told everything was good.XX/XX/17 received approval commitment letter from XXXX XXXX17 received call from XXXX asking questions about documents XXXX We already went over and she said was good.XX/XX/17 XXXX told XXXX my son birth certificate was needed. XXXX faxed it in that day. XXXX/XXXX/17 XXXX called said loan is denied due to sons income not continuing for 3 years, his birthday being 1 month shy.If I could get a co-signer? I would need one to get approved. XXXX/XXXX/17 had to inform listing agent loan was n't approved. She called XXXX XXXX, and he told her I filled out the wrong birthday on application. I was never asked to fill out a application, I never filled one out. Nor sign one. Somebody in that company committed fraud by submitting an application for me. with the wrong information. Nobody asked me how old my son was. My name is being defamed by XXXX telling the realtor. I put information on an application I never filled out. That company has committed fraud, and defamation. My loan was denied because of the way they handled my loan. We started this process in XXXX. that 's when the application process should of started. They were doing my rescore, and I had turned in income verification, and bank statements. So they knew I was applying for a loan through them, but never offered me a application to sign. So there is no record of a date. XXXX lied on me. By saying I put the wrong information. Making me look like. I lied, or tried to commit fraud. I was putting in over half of the money for the house.It is my judgement the way they handled my claim. I do n't believe they were really trying to give me a loan, and waited 2 weeks before closing to tell me I 'm denied. After they said I was approved. I feel discriminated against because I am a XXXX XXXX women. I have records of our conversations if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I received a promotion from USAA to lower my interest rate for a period of time for all balance transfers. According to my XXXX statement, I had a credit line of {$15000.00} with  {$8200.00} available. In conjunction with another credit card with low interest, I decided to transfer the entire balance of one of my loan to my credit cards. In order to do this, I had to use convinence checks. While I had checks for the other account ( also with USAA ), I did n't with the account in question. So I order them and when I received them, sent a check for {$6400.00} to XXXX XXXX XXXX mid XXXX. The XXXX XXXX started to process the check onXX/XX/XXXX. OnXX/XX/XXXX I received a statement showing a reduce credit line. USAA refused to honor the check that was written that was being processed via the bank clearing house. I called USAA on the XXXX about this since it had an adverse affect and I had not received prior notice. I later received a letter ( dated XX/XX/XXXX) from USAA indicating the credit limit change. I believe that USAA in this case is not acting in a honorable fashion since the check was written and was being process before the change and show have been honored. I would not been upset if the change had occurred beforehand. Refusing to honor this check will cause me financial harm due to the higher interest rate I now have to paid on the remaining balance. I am addressing the problem with my credit score via an open complaint previously filed ( XXXX ) that is awaiting resolution. <P/>I am disappointed because USAA normally does an excellent job in the many services they provides to me and others in my family. It about fairness and timing and continuing your high standard across the board.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: Nelnet, Inc.
State: CA

Complaint narrative:
In   XXXX  2013   , I began contacting  NelNet to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. NelNet either switched auto-pay systems or upgraded, I do not  recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every t ime I called NelNet, the cust omer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  NelNet " balance   XXXX   ''. Several times, I did this. I suspected that  the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX   previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  NelNet sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.   < P/>
I was so exhausted dealing with NelNet, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do.   I did  not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX  , I was clearing out a box of documents to shred and came across the forbearance approval letter from NelNet. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in f ull.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: CITIBANK, N.A.
State: NV

Complaint narrative:
This complaint if being filed on the advice of my attorney who has indicated it is the last step before she files the complaint against  Macys in US District Court and is meant to reflect my attempt to mitigat e my damages.    Macys  failed to deliver a statement to the cor  rect causing a 30-day late to appear on my credit report, the only such late in a 28-year payment history.
Macys also violated   privacy laws by faxing a copy of my account statement to a fax number which appeared on a letter that was  XXXX   XXXX  directly to  XXXX   XXXX , the  Macys Chairman a nd another letter to the CEO.   I placed no less tha n 67 phone calls to the executive offices, and despite promises by three individuals that the matter would be escalated and addressed, all communication was  handled by an individual who took pride in upsetting me with her  XXXX  attitude.   In addition, this  30-day late dropped my credit score  by  XXXX  points causing a bank to withdraw an offer of a large commercial loan resulting in the economic loss of over {$200000.00} to my firm.   Macys management is a disgrace to the business world and while this company will continue to shrink, t he fact that Macys would indicate they are " reviewing '' why they sent my statement to an un monitored fax without my permission is mind numbing, especially because I am already an identity theft victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am submitting this complaint against SELECT PORTFOLIO SERVICING, INC, at   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , Utah   XXXX   for violation of the FDCPA and the Michigan Statue of Limitations to collect a debt.
<P/>
Select Portfolio claims to have acquired the servicing rights for a debt that was transferred from   XXXX   in  XX/XX/XXXX . Prio r to  XXXX  transferring that debt to SPS,  XXXX  had declared the loan to be in default. The alleged loan is past the statute of l imitations to collect a debt in Michigan and SPS continues to send me harassing letters on a loan that has a due date of  XX/XX/XXXX 
<P/>
SPS claims to be the servicer of a loan in my name when : a ) It has not participated in any servicing activity, can not produce any contract of the servicing terms between Select Servicing Portfolio and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.
<P/><P/>
SELECT PORTFOLIO SERVICING INC, continues to take the following actions : a ) Threating to take my property unless I sell my home to a third party to release a SELECT PORTFOLIO SERVICNG, INC lien on my property when SELECT PORTFOLIO SERVICING, INC does not own any lien on my property.
<P/><P/>
SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose and defraud me of my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Claims loan entered repayment in XXXX 2014, yet under the terms of the note, the loan has not entered repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital Systems , LLC is reporting on my credit report for XXXX XXXX XXXX ( a credit card company ). I 've contacted Jefferson Capital and ask for the original indebtedness of said account to no  response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A girl from   XXXX   XXXX   XXXX   XXXX   by the name   XXXX   XXXX   approached my friend,  XXXX  on  XXXX  expressing interest in a sublease advertisement she had posted. She offered to pay a deposit amount of {$200.00} and asked for a Bank of America account number. Since my friend does n't have a Bank of America account, she asked if she could use my account to get the money. I agreed and provided my bank account number.  XXXX  ( the scammer ) then pretended to be me and made a false claim to Bank of America that she had deposited {$2000.00}. Bank of America provided a temporary credit of {$2000.00} without verifying the identity of the caller. The scammer then told me that she had deposited {$2000.00} instead of {$200.00} by mistake and asked me to transfer {$1900.00} back. Since I saw {$2000.00} credited to my account, I thought she had transferred the money and I transferred {$1900.00} back. The scammer made several claims the same day but Bank of America did n't raise any alarm or try to contact me on my registered number or email id to verify the claims until two days later. Further, the bank closed my account without providing me any notice when their investigations revealed they were fraudulent claims. I was n't informed about the reasons for the account closure in spite of repeated calls to their claims department. The bank officials were not willing to even talk when I visited the local branch in my town. I 'm also forced to pay the overdraft fees. I 'm being treated as a fraudster whereas I 'm the victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
On  XX/XX/XXXX  FED  LOAN  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED  LOAN n ever responded to my letter. I sent a complaint to the CFPB about this matter and then FED LOAN decided to respond with electronic copies which I did n't ask for. I specifically asked for the ORIGINAL INSTRUMENT OF INDEBTEDNESS. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XX/XX/XXXX  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/XXXX  FED LOAN jumped the loan amount back to {$50000.00}. I 've also attached my bankruptcy paperwork filed  XX/XX/XXXX  and  discharged   XX/XX/XXXX  which includes  XXXX   XXXX   XXXX   XXXX  in the amount of {$14000.00} and  XXXX   XXXX   XXXX   XXXX   (   student loan )  for {$7000.00} which I do n't see reflected on my FED LOAN statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: CA

Complaint narrative:
In spring 2013, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other XXXX accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX, I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: CA

Complaint narrative:
In spring XXXX, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other 19 accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX  I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.

Company response to consumer: Closed with explanation