vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 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: Diversified Consultants, Inc.
State: DE

Complaint narrative:
Since the origin of the account /debt collection attempt dated XX/XX/2016 i contacted the debt collector directly diversified consultants as well as a representative of XXXX  . I telephoned the company and requested copies of the original documents proving the debt is mine, I have been a victim of identity theft and have a fraud alert on my account. i never received any documentation nor validation of the debt therefore. Diversified Consultant is committing fraud by innuendo defamation of character as well as slander additional to a long array of violations and illegal practices in accordance to the FCRA as well as the Freedom of Information Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXXBAL. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: AES/PHEAA
State: NC

Complaint narrative:
The issue is my student loans should already be paid off. Instead, I still have a {$37000.00} balance. 

The very first payment on all my student loans was set up wrong by AES. Ive requested information but have never received it. Ive requested an override but have never received it. AES is charging me 7.375 % and I should be paying between 1.75 % to 3.15 %. 

AES says my interest rate couldnt be dropped because I missed a payment. For 20 years my loan has been on auto draft and Ive not missed a payment. Online it shows I missed my very first payment. Ive asked AES to provide me documentation on this matter for over 10 years now and not once have they sent me any information. 

AES failed to set up my auto draft properly and is punishing me for it. Had my loans dropped to a lower interest rate my loans would be paid off at this point. Instead, I still owe over $ 30k of principal between 2 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
i took out a loan against my house with XXXX and it was closed on XXXX XXXX and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it 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 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied, and received the Citi Premier card under a promotional offer of XXXX Thank you points after spending {$4000.00} on the card in 4 months.

After about 2 months after being approved for this card - I met this spending requirement, and waited several months for the bonus to post. After not receiving the bonus, I contacted customer support, and was told that I would not receive this bonus, as I had previously had a version of this card within the past 24 months.

Their terms and conditions state : " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months. '' After checking my records : I ( 1 ) Have not opened or closed a citi thank you credit card within the previous 24 months prior to meeting the promotional offer, and ( 2 ) Met the spending requirement per the terms and conditions - within the stated time frame of the promotional offer.

As such, I am entitled to receive the card member bonus that I was promised upon applying for the card. I would not have applied for this card in the absence of this bonus.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I contacted Nelnet In XXXX regarding my past due account. I communicated with the representative that I was homeless and without a job. That I am currently looking for a job but without residence it is harder. Representative assured me that the request for deferment was submitted and my paperwork was due by XX/XX/2019. 

I submitted my information and it was accepted and on the Nlnet website was updated to a due amount of {$0.00}. 
However on XX/XX/2019, my credit score dropped as a report of past due on my account was reported. I waited for the information to update and submitted a dispute on XXXX XXXX. XX/XX/XXXX another late payment was added to my account dropping my score 40 more points. 


I submitted an email on the Nelnet website asking them to please update their files as their inaccuracies are limiting my ability to find residence. 

I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I have checking accounts with Citibank. The accounts are in the name of our living trust, for which my wife and I are trustees.

Citibank has requested much personal information and told us our accounts will be blocked if we don't provide the information. The bank said that the Dodd Frank Act and the Patriot Act require the information, but did not refer us to any particular part of the Acts.

The information requested is : Please provide name and address of creator of the trust? ( Attorneys information ) Purpose of the trust? ( Most of the time in CA this is asset protection and to avoid probate ) Please provide net worth of the trust? ( excluding property, so just monetary amounts ) Please provide date of trust formation?

Please provide your address?

Please provide the trust agreement/certification : ( If you dont have the trust agreement/certification you can provide the first couple pages of the trust and signatory pages would work ) Please provide for all trustees employement information : Employer Name : Employer Address Employer Phone Occupation : Employment Start Year : Annual Compensation : Net Worth for each Trustee : Does federal law require banks to collect all this 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 explanation
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the summer of XX/XX/XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time Experian is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me

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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
i took out a loan against my house with citifinancial and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to XXXX  and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i took out a loan against my house with XXXX and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Last month in XXXX, I was searching for an installment payday loan. I was in contact with a company in XXXX, Ca., I needed to submit additional information, but I was at work and unable to send them the information. The next day, I discovered the money I was asking for in my bank account. I presumed it came from the company in XXXX, it was not. It was from a different company. They just put the {$1000.00} into my account. With that said, I did need the money, so I went on about my way. A month later, I decided to pay off the loan, only to discover I was RENTING the {$1000.00} for {$300.00} every two weeks. When I called the company and told them my story, they did not believe me. I do not remember agreeing to this account or the way payment was to be collected. I spoke to a man and he said, " You did not read your contract ''. When I continued to come to an agreement, he said I was threatening him, so I disconnected the call. I was told by a friend that their loaning process is illegal. I feel I was trapped because no one spoke to me over the phone nor did they have me sign a contract. Please assist me in this matter. This " company '' has already received {$600.00} on a {$1000.00} loan. I also believe this company got my information online and just acted. The company in XXXX actually had a live person to speak, whom I thought this loan came from. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Negotiated a cash payoff amount for student loan debt. Payment was sent in full for the amount on a billed notce and sent by usps shipped to billing address before due date. The amount cash payment was credited but agency did not honor the pay off negotiated amount. XXXX XXXX stated they changed addresses for payment and the address on the pay stub they sent was not correct, resulting in processing delay. 
XXXX states they are not able to make the change to the account, honoring payoff and continues to tell the consumer they need to contact department of Ed. 
Complaint : False statements and claims from collection agency. The agency payment statement for pay in full amount was not honored. The payment was sent and postmarked prior to due date. The agency stated the delay in payment processing is responsibility of collection agency as they changed billing address with no notification and referee consumer to dept of Ed. 
Collection Agency : XXXX XXXX XXXX , XXXX  . 
XXXX XXXX XXXX XXXX, NY 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 2019-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
My husband was injured in an accident in XXXX that required multiple surgeries to repair and 2 years of infections and treatments related to the injury. This resulted in his inability to work for about 4 months without pay. In XXXX of XXXX we were unable to make the house payment because he was out of work. I continued, again, however to make that payment every month after the I missed the XX/XX/XXXX payment. I was aware that was still 30 days late and on most months, XXXX XXXX XXXX did not mark my credit report as late. However, for the next two years, as we struggled to get my husband healed and get back on our feet from the loss of income, I continued every month to make my house payment without fail. XXXX XXXX XXXX recorded 6 months of late payments as a result of that one missed payment until I was finally able to bring the account current in XXXX of XXXX. The account is current and I have signed up for Automatic payments though the SPS website. When I disputed with the creditor, they were unwilling to help. I pointed out that I had faithfully made the payments and that I had even done so by scheduling in advance through their online tool. They were unwilling to assist in any way regardless of my restitution. I don't believe it is ethical or in the best interest of the consumer to continue to penalize a person for 1 late payment, three years after the single payment was missed. It is damaging my credit report and renders my ability to refinance or purchase a new home impossible. No mortgage lender will lend to me as a result of 1 missed payment 3 years ago for which I have made restitution. I am therefore chained to this mortgage at an unfair rate of XXXX XXXX for an additional year to the sole benefit of SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXX. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.

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 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has allowed merchants using cards that were closed for fraud to charge against my current account number. 

They failed to properly investigate fraudulent transactions. Made claims after getting statements in writing that there was nothing they could do as the window had expired. The reason the window of eligibility expired was due to their mishandling. 

I have submitted documents, spent well over 4 hours on the phone with completely inept personnel who simply repeated information in the face of overwhelming empirical data contradicting their statements. 

I have over {$2500.00} in charges that need to be removed from my account. These were made without my authorization on stolen cards or on cards that Chase had closed and replaced per their procedure. 

Their executive staff claims to investigate these issues, yet I have no way of contacting them. I am left with no recourse except for civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
In the month of XX/XX/2018 i attempted to obtained internet access fro my home and was denied as they stated i owe them to the sum of {$920.00} XXXX dollars. The debt is associated with a XXXX XXXX who lives in XXXX i resided with her temporarily until i moved to my current domicile. The representative had no ticket of the equipment or installation being done nor any signature or contracts with my information. I requested to speak to their legal department and was given combative and non cooperative behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Applied for a vehicle loan in XX/XX/2018 and authorized one credit pull for approval. The auto dealership finance guy proceeded to pull multiple reports upon his leisure and not even trying to secure a loan before I left with vehicle. ( Which he lied about ) After much run around and having to secure my own loan through my credit union, the finance person proceeded to pull my report again. I reported him to his superior and had to use another finance guy to complete and update my paperwork. The original fiance person targeted and intentionally kept pulling my credit when I only authorized one pull. This resulted in my credit suffering. Id like to remove the excess inquiries.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
As a follow-up to the complaint I filed against Specialized Loan Servicing LLC ( SLS ) on XX/XX/2019 regarding the fraud they committed with the application of my monthly mortgage payment ( please refer to complaint number # XXXX ), SLS has once again committed fraud, this time by falsely certifying to XXXX  that the information reported to them was correct when I disputed their false reporting that my mortgage payment was more than 30 days past due. 

I can't stress enough how CFPB MUST take action against this criminal company!! The fraud they commit is blatant and outrageous!! Their actions are EXACTLY like the criminals who ran XXXX XXXX. I'm sure a similar {$2.00} XXXX fine  assessed against SLS would finally get them to start acting like a proper mortgage servicing company!

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