vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Starting XX/XX/2022 I submitted an application to remove a co-signer off my student loan. I submitted the completed application with my pay stubs. 

Approximately 2 weeks later on XX/XX/XXXX, I was notified my paystubs were not sufficient since my employer was not listed and I would need to submit a W-2. 

On XX/XX/XXXX I was noticed my application needed my phone number and gross monthly income. I once again resubmitted my application. 

On XX/XX/XXXX I was notified I needed to submit a copy of my social security card even though the application asked for either my account number or last 4 of my SSN. Later the same day I was told I needed to show proof of income which was already sent on XX/XX/XXXX. 

XX/XX/XXXX, I was told I needed to validate my physical address and today XX/XX/XXXX I am being told my application is missing my gross monthly income. 

It has been a never ending cycle with this company and I just want to get the co-signer off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
New and updated information. 
I sent a cease and desist letter along with a SECOND request for debt validation to NAVY FEDERAL CREDIT UNION which was received by them on XX/XX/22. NAVY FEDERAL CREDIT UNION responded only with the exact same thing they sent in response to my initial debt validation request which is an envelop containing statements which IS NOT proof of validation as REQUIRED by federal law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I had a medical bill of {$1000.00} with XXXX XXXX XXXX that was getting auto-paid based on a payment plan of {$91.00} per month for 12 months from my XXXX Account. The plan was set from XX/XX/XXXX to XX/XX/XXXX. I don't check my XXXX Account regularly to see if the payment went through because there is enough money in the account and assuming that if there was any issue then XXXX would contact me. 
In XX/XX/XXXX, I received a letter from Merchants Credit Association ( MCA ) asking me to pay the remaining principal of {$530.00} + collection cost of {$77.00}. I contacted XXXX right away, they claimed that they tried to collect a payment from my XXXX on XX/XX/XXXX but it failed. I asked them if there is a proof that they tried so that I can contact XXXX and ask why, they said there is no proof. I asked why they didn't contact me before sending the bill to a collection agency, they said they tried but couldn't get hold of me, but again there is no proof that they tried and my phone number and address never changed. I contacted XXXX and they said there is no evidence that a payment was rejected. I went back to XXXX and asked if I can pay the principle amount in total, they refused and told me the case is not with them anymore, it is with MCA and I need to sort it out with them. I called MCA numerous times and explained to them but they seem to be always focused on collecting their collection money. MCA also claimed that they reached out to XXXX and asked them to take the case back but XXXX refused. I have been receiving multiple letters from MCA demanding that I pay the principle + collection cost. Today on XX/XX/XXXX, I called MCA one last time and asked them if they can waive the collection cost, make it less, send the case back to XXXX but the agent told me am just wasting time to save {$77.00} and advised that I should pay the entire amount to MCA or make multiple payments BUT pay interest. I gave up on all and paid the entire amount ( {$450.00} principal + {$77.00} collection cost ). I am writing to you because I feel that what XXXX did was not fair at all.

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: KY

Complaint narrative:
Upon moving out of the XXXXXXXX XXXX, I was not notified about any outstanding charges or bills. 

On XX/XX/2021 I received a collection bill from CCM for {$130.00} with an account # XXXX. I have no idea what is owed to XXXX XXXX since the account # CCM reports is # XXXX Is this collection attempt a mistake? I have disputed this supposed collection through the credit bureaus and a direct letter to CCM.

The bureaus responded it was verified, what was verified?

CCM never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX, XXXX we were pre-approved for a home equity loan from Discover Home Loans, after an initial phone call with an agent. 

That same day, we received a list of items to upload to the portal to start the formal application. 

For weeks, we received requests for more documents -- sometimes the requests were for documents already uploaded once. Each time, we uploaded the documents, as requested, but were concerned that it seemed like there was a glitch in the system. 

Finally, we received a number of emails from the assistant of the personal banker assigned to us that everything looked in order and they would be forwarding to the underwriter.

But then requests continued, and often did not make sense. For example, requests for W2 forms despite the fact that they knew we were self-employed.

One of the last straws was when the underwriter 's manager made a false assumption and arbitrary decision to omit some of my Schedule C income because I had moved to a
different state, so my income from the prior state must have stopped. This false assumption continued even after I explained that my work as a consultant was the same no matter where I lived. I had a long-standing contract with the same company and the same income level. My Schedule C income was the same in XXXX, XXXX, XXXX and XXXX. I offered to share a copy of my contract, but they were not interested.

The very last straw was speaking to a personal banking supervisor who could not track what was happening, and kept referring to the wrong documents in his attempt to back up the underwriters. It felt like gaslighting. He mentioned that they had closed the file in XXXX, and there was nothing more that could be done. But it was XX/XX/XXXX and this was the first I had heard of it. Indeed, I had had at least 4 phone calls with the personal banker, attempting to rectify their errors, and it had never been mentioned.

Truly, an unimaginable nightmare with Discover Home Loans which wasted hours and hours of my time. I am left to wonder whether it was some form of discrimination, a scam, or some other unethical/illegal thinking that drove this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXXXXXX Date Opened : XX/XX/2005 Balance Owed : {$95000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/2005 Balance Owed : {$4400.00}

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 2022-03-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong address:XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Wrong addressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Correct addressXXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. 

Correct Phone number : XXXX Please remove any other phone numbers. 

Correct DOB:XXXX Please update and remove any others.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting inaccurate information to my payment history for an account. 
A XXXX act # XXXX closed account is reporting : ok - XX/XX/2020 60 days late - XX/XX/2020 ok - XX/XX/2020 60 days late - XX/XX/2020 90 days late - XX/XX/2020 There is no 30 day late prior to both 60 day late charges. 

I have attached a screenshot from the equifax website with blatant error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint with Experian cause I have tried to call on several occasions cause I had a few issues on my file. One of them being Identity theft and the other being that one of my creditors that I paid off has not reported my account as paid in full and its still showing a balance even though I paid them of last year. 

I called in and spoke to a rep and explained that my account with XXXX credit union account number XXXX its still showing a balance of {$2200.00} and I paid it off on XXXX. 

Then I also had an Identity theft issue where my personal information was used to open an installment loan with XXXX XXXX  XXXX XXXX Account number XXXX which this account was opened fraudulently due to identity theft I filed an identity theft Affidavit with the FTC on XX/XX/2022 along with other accounts listed on my FTC Affidavit as well that are no longer reporting with Experian. Apparently I got a notification that my dispute was started but I believe that the representative that I spoke to put the Fraud Account with Enterprise in dispute as if it was incorrect balance showing and never put the dispute for my account with XXXX XXXX XXXX that is valid in dispute I also am attaching the FTC Report I filed to try to resolve this fraud account and remove it from my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I purchased tickets to the XXXX XXXX concert on XX/XX/XXXX. Due to the pandemic, the concert date has been continually pushed back. On XX/XX/XXXX, XXXX finally announced that she was cancelling all of her remaining concerts due to her health. We worked with XXXX XXXX and they refunded the money on XX/XX/XXXX. I contacted Barclaycard on XX/XX/XXXX to see why the credit had not been applied to our account and was told it could take up to 10 days from the refund date to post. I waited until XX/XX/XXXX to call back when no credit was applied to my account. On this call I was told that XXXX had not refunded the money despise having a receipt from them showing they in fact did. Barclaycard told me I would have to wait. I requested to speak with a supervisor and was told there was no supervisor present and that I would have to be put on a call back list. Upon asking about an estimated callback time, the rep told me it could take 8 - 10 days to speak with a supervisor. It has now been a full week and I've not received a call back and still no credit on my account. The refund amount is {$600.00}.

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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint with Chase mortgage. For months now, I send them my mortgage payment in plenty of time ( a week to 10 days or longer before the first of the month ) and they hold my payment, running up the interest. 
They responded with a blanket statement that I have a fixed rate mortgage and yet there is an $ XXXX interest charge on my statement. 
What for? 
I believe it is because they hold my payment check past the due date on purpose to run up the interest as aI am trying to pay ahead on my mortgage to pay it off. They want to keep my paying as long as they can as my interest rate is 6 %. 
I have tried in good faith to renegotiate ( refinance ) the mortgage with them, but they dodge and delay my requests. 

They say they have responded to my previous complaint with phone calls, but I have no record of them. ( I checked my phone : XXXX and there is on record of them calling me. ) I also got a letter that I was supposed to respond to by XX/XX/2022 which I did not even receive in the mail until XX/XX/2022. 

This is how they treat me. This is bad business...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I refinanced my auto loan from Nissan Motor Acceptance XXXX to the XXXX University XXXX XXXX XXXX ( XXXX ) A payoff check from XXXX was paid off to Nissan in the amount of {$10000.00}. I inadvertently submitted a " Bill Pay '' from my checking account with the XXXX XXXX XXXX covering my loan payment of {$250.00} on XX/XX/XXXX. I called Nissan to inquire about my overpayment and asked to be reimbursed for the excess payment, and they told me I would receive a check within 10-15 business days ( from XX/XX/XXXX ) On XX/XX/XXXX, I still did not receive the check. I called Nissan again and was told that the check was rejected and sent back to the XXXX XXXXXXXX XXXX. On XX/XX/XXXX I went in person to the XXXX  XXXX XXXX branch in XXXX, Massachusetts, and they confirmed that the check had not been returned to the bank or to my account. They also confirmed that Nissan cashed the check of {$250.00}, and the funds were withdrawn from my account. I have tried calling and emailing Nissan several times and as of today, XX/XX/XXXX I have not received my overpayment reimbursement of {$250.00}. I am attaching documents and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of Bank of America for years and recently My identity and card was stolen and major fraud was committed on my account. Someone stole over {$7000.00} on XX/XX/XXXX, using my debit card that was stolen along with my phone. I reported the fraud immediately to the bank on XX/XX/XXXX once the transactions posted and a bank was open as my phone was stolen and i couldn't call, and with it being a holiday on XX/XX/XXXX all banks were closed. and to police on XX/XX/XXXX and the bank denied my claim without proper investigation or even requesting my evidence in 2 days of me making my intial claim on XX/XX/XXXX. So i called and requested my claim be reopened on XX/XX/XXXX and sent in documents, and you know what they did. They denied my claim again without telling me why or proper investigation after 2 days again on XX/XX/XXXX. How is 2 days enough time for an investigation of Fraud. what is the point of banking with a bank that " supposedly '' protects you from fraud and says they give 0 liabilty due to fraud yet won't even take due dillegence or time conduct a investigation to fraud. I couldve swore bank account fraud protection is addressed under Federal Reserve XXXX XXXX. So i had to call and request my claim be reopened again on XX/XX/XXXX, and you know what the supervisor told me, " What we would need is a police report to reopen the claim '' I had already sent in that information days ago. So that means someone denied my claim without even looking at the documentation i had sent in. Unprofessional. Now its been a week and still no update and a representative told me it ould be weeks before my claim is even " reconsidered " to be reopened and the funds stolen possibly credited back not within the 10 days advised by XXXX XXXX I have bills and XXXX XXXX that i a have to take care of and my supposed bank chose not to protect or help its customer and is now telling me that it wont even credit the funds after they failed to perform a proper investigation. This is extremely unacceptable and i believe its time to find a new bank.

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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
in XX/XX/XXXX I paid Citi bank {$1400.00} on a credit card account which had a credit limit of {$3000.00} within days of receiving the payment they cut my credit limit by {$1300.00} saying XXXX credit report had bad information on it. I contacted XXXX and sent in disputes on the report. 
This month XX/XX/XXXX i paid Citi a payment of {$250.00} and they again have cut my credit limit saying XXXX has a bad credit report on me. In XX/XX/XXXX maybe XX/XX/XXXX Citi denied me a credit card with Home Depot saying XXXX had bad reports on my report using that information i filed disputes with XXXX. In XX/XX/XXXX my wife of 32 years left me and then filed a divorce in the state of Michigan which was final in XXXX of XXXX. This is why the bad marks have appeared on my credit reports. 
I have never missed or been late with any payments with Citi bank and i am proud to think that i have done so. Citi needs to revisit things Thank you

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 2022-03-08 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: MI

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/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 non-monetary relief