vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
My wife and I entered into forbearance on/around XX/XX/XXXX on our personal residence. 

XXXX XXXX XXXX, I contacted loss mitigation ( a 3rd party ) of Guaranteed Rate -- the lender for our personal residence. I told them I wanted to pursue a loan modification and come out of forbearance. 

I was to make XXXX on-time monthly payments in order to 'properly " come out of forbearance until the modification could be completed. I made my 1st payment over the phone. I was told to wait 3-4mo for an answer to my request to modify our loan -- while making payments -- which I continued to do. 

I heard nothing for 3-4mo. I called back with regularity in XX/XX/XXXX and was passed around from representative to representative who did not know what to do. 

XX/XX/XXXX : Senior Representative XXXX XXXX ( XXXX ) was helpful for some forward movement. She let me know that XXXX was the processor on my account, yet XXXX contacted a Supervisor of processors, XXXX XXXX to find more info. 

XX/XX/XXXX : Some info came from XXXX XXXX my loan is a " XXXX XXXX. '' I spoke to senior representative XXXX XXXX. who found another avenue to contact -- of which no information ever came about. 

XX/XX/XXXX : I gave up hope for a loan modification. I called Loss Mitigation, and spoke to Representative XXXX ( XXXX ) who changed and supposedly processed my request from a Loan Modification to a Loan Deferment. She again said this would take yet another 3-4mo to complete and I would hear back soon that the process was started. -- I never heard back. 

XX/XX/XXXX : I spoke to Supervisor XXXX XXXX ( XXXX ) who submitted a complaint for me which would " Red Flag '' the account. He also told me my loan is a XXXX XXXX and this was new to him. 

XX/XX/XXXX : Supervisor XXXX XXXX ( XXXX ) said my account must go through Master Servicer XXXX XXXX XXXXo remove the " XXXX XXXX '' on my loan to Guaranteed Rate would have the authority to work on it. XXXX said my loan had been escalated to upper level management XXXX. 

XX/XX/XXXX : I heard nothing for a long time after many calls to get back in touch with Supervisor XXXX XXXX. I finally spoke to him on XX/XX/XXXX and he had no new information to give me, except that he is getting inundated with these type loans now. he said I am not the only one in this position. He said he was going to follow up with XXXX and a XXXX. He did say a Client Manager, XXXX XXXX, said the " master servicer has to reach out to XXXX XXXX to get the XXXX XXXX removed. '' XX/XX/XXXX : I still have heard no response. 

I have been unable to refinance this and my other properties this whole time, as no lender will give me a new loan ( s ) until I am out of loss mitigation, have made on time payments, and the look of my personal residence mortgage statement does not say I am behind on any payments. We are losing equity and have missed lower rates. We need recourse against Guaranteed Rate and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc.
State: TX

Complaint narrative:
When applying for this school I was told that they have a 90 % job placement current found out that this isn't true. I have these loans from a school that gave me false hope. I have a few classes left. Found out that job placement is only 56 %. They lied and mislead me. I have all these loans. I enrolled from what was told to me. I'm look to be forgiven or another option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and Transunion has failed to provide documentation proving otherwise in the time allotted.

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 2022-02-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. XX/XX/2022, I filed a Validation of Debt to the XXXX 's but still no response coming from them and refused to remove these inaccuracy items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
I have this huge student loan debt for a degree I never could get a job in. I received the loan from XXXX XXXX we were informed we may get hired at the site we did our hours at. I did not get hired but I never could get a job because I did not have any experience. So now I have this huge debit for a degree I can not use. Or half the credits is not accept at our school

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I have never missed a payment before I made an insurance claim on my vehicle. There was a balance of {$60.00} left on the loan. I was unaware of the balance and my phone number was different and they didnt have the correct address or email on file. Any other time if a balance was paid they would make the payment current until it was time to make the next payment based from the balance. Instead they made the history reflect that no payment was made for a XXXX yr plus. Now my credit reflects that I made XXXX XXXX days of late payments. Thats not the case. They told me that the credit bureaus were the only ones that could make the change and that was not the case. This has been a knife in the process of buying a house because credit is everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX ( Beneficiary ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX  : XXXX, ( Beneficiary ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX ( Trust ens legis ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by TransUnion. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information. I am aware as a consumer TransUnion is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$33000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the removal of inaccurate 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 2022-02-17 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: MD

Complaint narrative:
I have several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution. 
Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. 

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times is inaccurate.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA. The accounts are XXXX Bank, XXXX Bank, XXXX XXXX Bank and XXXX XXXX XXXX. All accounts have been removed and reappeared at least twice!

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 2022-02-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have been fighting with XXXX to remove the student loans from my credit as I have never been in default status for them to report to the Credit Bureau due to my low income for the past 25 years. I was always on Forbearance or Forgiveness program and have never, ever made a payment due to my income, therefor never reaching a default status for XXXX to report delinquent or any missed payments. I have written requests and complaints over the past ten years, only to be ignored. I am physically XXXX as of XX/XX/XXXX. I have repeatedly submitted VA Notice of Reward letter and well as the required, completed application signed by both myself and my Physician, yet Nelnet continues to document that information is missing, every other time that I call to check my status. I have spoken with several representative since XXXX of XXXX. Some of the representative informed me that all documents were indeed signed and completed as requested and that I merely had to wait the 120 day wait period for them to make a determination to resolve my accounts and have them removed from my Credit report. I feel as though I am being taken advantage of due to my XXXX, that NELNET and XXXX continue to ignore the proven facts and/or deliberately falsely stating that information is missing when they have had several completed applications in the past three years. I was advised by a legal representative to first file a formal complaint once a again, but submit a complaint to the Bureau of Consumer finance. I am requesting that NELNET and XXXX use the completed forms that I have continuously resubmitted. Which as I mentioned should have never been reported to the credit bureau as default or any negative reflection. Documentation available with NELNET and XXXX but can be proven by dates signed as per my doctors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance $ {$2500.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$28000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$790.00}

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The Original account was with XXXX XXXX and I was paying until I lost my job XXXX XXXX XXXX XXXX. My account came in arrears and some months or years later I was reached out through XXXX XXXX internal collection department and myself and the woman made an arrangement to pay XXXX a month. The balance then was {$600.00} with late fews and no payments made. I did that and did my full term of months to pay it off for them to waive the other {$300.00} or so and close my account as paid in Full. That didn't happen, once I paid my portion off they kept {$100.00} stating I need to pay it off. I didn't pay because I did my portion as agreed The account was opened XXXX, it's over 6 years and Midland Credit bought it and trying to collect the Erroneous amount that was sold to them. I'm unsure if they are even Licensed to collect in my state, they haven't Validated the debt of when it was opened and last pay amount made at all. Now my account has been flagged, I never spoke with them to provide ownership of the account at all and definitely didn't give them permission to my account for collection. It's a violation of this practice and I want them to Validate the amount with dates and proof of collection inky state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
In XXXX I was sick with Covid-19, I called US Bank Home Mortgage for assistance with Mortgage payment being suspended until I returned to work, I was put on a Covid-19 Plan with payment suspension options. They gave me XXXX  months, XXXX, XXXX and XXXX, I am able to restart paying me regular Mortgage payment of {$1000.00} starting in XXXX. When I call US Bank Home Mortgage regarding this Covid-19 plan, I was told that I would be able to work out a repayment plan once I came off Covid-19 plan. Once I submitted application for repayment I was told I didn't qualify for repayment or a Modification or anything else. I understand not being able for Modification, because I just had one in XXXX of XXXX. I was told the only thing I can do is try to repay the past due amount myself. US Bank Home Mortgage was well aware of my Chapter XXXX Bankruptcy and Modification in XXXX. I was on the Covid-19 plan and they told me I doesn't matter, I should still qualify for a repayment once I'm off the plan. I called today ( XX/XX/XXXX ) and spoke with XXXX in collections, she told me the only I can do at this point is try to get caught up on my past due amount on my own. I don't think this is fair and I should have been told this when I call to get help, when I had Covid-19. Now I am worried that if I don't pay this amount soon they will try to Foreclose on my home. I am in active Chapter XXXX Bankruptcy and I have been current with my monthly payments up until XX/XX/XXXX. 

Please help.

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have tried for over 6 months to bring my account up to date. I had to file a previous complaint to correct my principal balance from a previous modification. On XX/XX/2022 I received a letter stating my modification was denied. I feel the denial is in error because both my wife and I XXXX XXXX XXXX XXXX income which was not grossed up by 25 %. I'm also unsure at what interest rate my request for a modification is being reviewed for. 

I also had a change in circumstance, my son will contribute {$1500.00} towards household expenses including the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
* XX/XX/XXXX : PNC Virtual Wallet with Performance Select Spend checking account was opened online from PNC bank website * This was done under promo terms where consumer could " Earn {$400.00} when you establish total qualifying direct deposit ( s ) of {$5000.00} or more to the Spend account. '' Of note, " to qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between XX/XX/XXXX to XX/XX/XXXX, '' which I did successfully do ( see attached ) * XX/XX/XXXX : After noting that the promo reward was never provided ( " credited to the eligible account within 6090 days after all conditions have been met '' ), I reached out to PNC Bank via online chat in early XXXX to request a resolution * XX/XX/XXXX : per my XX/XX/XXXX statement dated XX/XX/XXXX, {$300.00} promo reward was deposited on XXXX ( " Cash Trans Promo Reward '' ) * XX/XX/XXXX : given it was only partial promo deposit, I reached out to PNC Bank via online chat again to request a correction with addition of remaining {$100.00} promo reward balance. Agent informed that they had no record of the promotion in question, and thus used that as justification for the {$300.00} amount ( which was never the actual promotion terms per attached documentation ). Agent also refused to accept any documentation that I was willing to provide.

Company response to consumer: Closed with explanation