vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Year XXXX of XXXX. Great Lakes is who has my loan under consolidation. Before my loan was consolidated, I contacted Great Lakes questioning twice if the correct balance and the payments that I made to XXXX XXXX under Dept. of Education collections will the payments be applied to my consolidation once completed. Great Lake reps stated yes. XXXX XXXX rep XXXX when I was under them stated any payment which was the {$200.00} during Covid in which I did not have to pay, that it was going toward the loan ONLY. When the loan transferred to Great Lakes the full payments totaling {$200.00} did not transfer. They transferred only a few dollars. Contacted XXXX for a receipt since Great Lake stated they needed two wks ago in which nothing was done. I called XX/XX/XXXX spoke to first rep, he was lost with what my concern was so I requested a supervisor. XXXX ref # XXXX was repeating information that we both could see in which was the same information i explained to her even after I let her know that this is not what you all with Great Lakes told me while waiting for the consolidation transfer. I told her that they ask for a receipt and still nothing has happened. Instead of just letting me know that you don't know what to do you just sat on the phone listening until I ask what is the next step that you all need to take. She mentioned the next up of her manager. They are not trying to help anyway get there account corrected with the correct balance even after they requested a copy of receipts. I just want my loan amount corrected because this is my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 is incorrect
Company: LEXISNEXIS
State: MD

Complaint narrative:
My name is XXXX XXXX I was changing insurance from XXXX to XXXX and my cost jumped {$60.00} a month because of lexisnexis claiming that I have a violation on my driving report. I addressed this with lexis nexis and send my full driving record to them kn XX/XX/XXXX and asked for my consumer report on the XXXX and I haven't receive any correspondence from them as of today. I am a XXXX XXXX and depend on my driving record for my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Citizens bought part of XXXX and the account was never properly closed. I want the account closed and do not have a help number for citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
I have tried to get a copy of the 2020 1098 form from roundpoint mortgage for over 1 month. 

The company refuses to send me my 1098

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 2022-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX, XXXX, AND EQUIFAX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Closed my account for no reason did not owe money or anything

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I have a right to better myself and my only son also. I have been disputing this same company for years! They call themselfs LVNV FUNDING LLC. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now LVNV FUNDING LLC THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed several times inaccurate information, XXXX XXXXXXXX XXXX has continually electronically verified erroneous information, they did not disclose to Experian that the alleged old debt from XXXX was closed by me, due to charges that were fraudulent, Experian has not sent me any of the original file that had on the debt, also Experian has not sent me anything that the former creditor had released to them, they did not follow statute of verification per federal fair credit reporting act, and continually blemish my rating with this erroneous data. 

Experian also has not removed a satisfied debt via XXXX, XXXX XXXX XXXX XXXX XXXX, that was to remove the file from my credit, per agreement we settled on ... both cases are now in a federal docket filing in court awaiting a court proceeding date. 

Experian continually leaves unverified or failed to disclose the information that former creditors allegedly sent them, they did not verify, they only accepted inaccurate file case records.

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 2022-02-08 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I disputed this Spring Oaks Capital LLC collections with XXXX XXXX XXXX and informed XXXX XXXX XXXX that the account was opened with Spring Oaks Capital LLC fraudulently. Also reported that this collection account was showing as a open account on my credit report and shows a past due amount. XXXX did not remove the inaccurate item instead stated in the comments dispute resolved, customer disagrees. See attached files below to show this item showing on my XXXX credit report. I never opened any credit account of any sort with Spring Oaks Capital LLC and account should be removed from my XXXX Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX, and Equifax have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
DUE TO THAT XXXX XXXX XXXX THE BANKRUPTSY BEING ON THERE LONGER THAN IT SHOULD, I HAVE NOW GOTTEN THE LETTER OF DENIAL FOR SCHOOL LOANS ... .IM VERY UPSET! ATTATCHED ARE THE PROOF OF LETTERS XXXX DDENIAL FROM XXXX XXXX XXXX XXXX WHERE I BANK AT BUT THEY DENIED ME AS WELL FOR A LOAN FOR SCHOOL AND A CREDIT STUDENT CARD. EVEN I GOT DENIED BY COLLEGE AVE. LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp
State: DC

Complaint narrative:
I opened a one-year certificate of deposit with Lending Club on XX/XX/XXXX for {$24000.00} that matured on XX/XX/XXXX. A couple of weeks prior to the maturity date, I instructed the bank to upon maturity deposit the balance of the certificate of deposit ( which would be principal plus accumulated interest ) into my checking account. On XX/XX/XXXX, the bank deposited the original principal of the CD into my checking account, but did not credit the interest. ( Based on the CD 's rate, I was expecting an additional {$120.00}. ) I first notified the bank of this on the evening of XX/XX/XXXX by phone to the Lending Club customer service line. I was told that the bank personnel who could address this issue were not available after XXXX XXXX  but that my concern would be addressed on the next business day. There was no action, so I called again on the evening of XX/XX/XXXX. Again I was told that no one was immediately available to address this, but the issue would be investigated and resolved. 

But by XX/XX/XXXX it had not been. I called Lending Club customer service again ; this time around XXXX XXXX. Eastern, while bank staff would be available. I asked to speak specifically to a supervisor with authority to expedite paying the interest due on this account. Unfortunately, I neglected to get the person 's name. But I was assured that the issue would be addressed by the end of the daythat " the interest could be credited manually. '' However, at the close of the banking day, that had not been done. 

I am putting this matter on record with a request that the CFPB take action to require full interest payment. This should be unnecessary ; payment of interest on CDs and savings account is a routine banking actionapparently so routine that I can not readily find a reference on the internet to what the recourse would be if a bank does not pay a depositor interest due on an account when the depositor is in compliance with its terms of service. It apparently almost never happensuntil now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD SYSTEM INC/ reached out to me via mail on XX/XX/2021 about they own the debt and I needed to reach out either requesting to validate the debt or make a payment. I then received a call from said debt collector above on XX/XX/2021 and advised I was sending out a debt validation letter to validate debt requesting proof. I responded with a debt validation letter dated XX/XX/XXXX. Neither time from the letter I received on XX/XX/XXXX and call on XX/XX/2021 did the debt collection agency stated they was reporting this debt to the credit bureaus which they did on XX/XX/2021 especially since this was the first time I got communication from them. I was not given a proper time frame of validating the debt before it was reported to my credit report. This is unfair and violates my consumer rights of a proper investigation of any debt claimed to be mines. I have even reached out after the collection was reported to have them validate said debt and they did not provide any payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. They also did not provide an account statements from the original creditor or even n itemized accounting of how the total amount of debt was calculated including fees and interest. 

I even reached out to them multiple times asking for proof and they gave nothing that validated the debt to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is the second time Ive been locked from my Chase Business card account. Last time this happened, resolution required 12+ hours of active effort and two visits to a branch. Four calls and hours on the phone today later and I cant even make contact with a representative. The system employed to return calls or avoid hours on a droning wait line does not work. Chase makes it impossible to contact the relevant team, and can not escalate issues to any representative capable of resolving the issue. Chase wants you to spend hours driving to a branch and can not make investments in supporting costumers during a pandemic. This is a massive abuse of costumer faith, and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Transunion my identity theft information on XX/XX/22 they responded stating they are waiting on the companies to respond which can take 60 days. The Law stat that credit reporting agencies have to block all information reported within 4 business if the consumer identifies information that is a result of identity theft 15 U.S. Code 1681c2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The information is still reporting on my report. Please erase and block fraudulent 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 non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX my husband and I lost our home to an EF-4 tornado in XXXX, KY. It was a complete loss. Our insurance company promptly issued us a check to cover the property. They issued us a two-party check, listing my husband and I, and LoanCare Servicing as mortgagee. The balance owed on the mortgage was {$35000.00}. The check was in the amount of {$140000.00}. We contacted LoanCare and per their instructions, we overnighted the endorsed check to the address they provided. LoanCare returned the check to us stating the was not endorsed. We then signed the check and again overnighted the check to LoanCare. We received confirmation it was received by LoanCare on XX/XX/XXXX. However, LoanCare did not apply the proceeds to payoff the mortgage until XX/XX/XXXX in violation in Regulation Z. Once we contacted LoanCare they further stated they would not release our funds until 15 days from the date of payoff ( XX/XX/XXXX ). On XX/XX/XXXX we received a check in the mail for {$1.00}. We again contacted LoanCare to inquire as to the reason for the {$1.00}. They stated this was for " overpayment interest. '' We need this payoff to be credited upon receipt of delivery as required by the law. Further, we expect our money to not be held hostage in this interim period as we seek to purchase a new home. We are also concerned there are other families that are also being subject to this unlawful treatment as a result of this life altering natural disaster.

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 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I responded to a sublet ad on XXXX on XX/XX/2022 and received a response from a man named " XXXX XXXX '', reporting to be the tenant of the apartment for sublet. I was told by " XXXX XXXX '' that he leases the apartment from the owner, " XXXX XXXX '' and he is currently traveling as a traveling nurse and was looking for tenants to look after his place. This person provided his passport photo and many pictures and information about the apartment, I was able to locate him on XXXX and it lined up with his emails. A neighbor through XXXX informed me that the XXXX advertisement was legitimate. I paid {$1000.00} security deposit through PAYPAL to the landlord " XXXX XXXX '' on XX/XX/2022, with a text response letting me know I would receive the keys and payment receipt and an accompanying email from " XXXX ''. I received neither and stopped receiving messages from " XXXX '', however, " XXXX '' continued to email with me, until I went to the building on XX/XX/2022 ( despite being told I would not be able to go inside ) and saw that the actual tenant was named XXXX XXXX, with whom I confirmed that I had been scammed by " XXXX '' and " XXXX ''. 

PayPal declined to resolve my complaint after I learned it was a scam/fraudulent transaction. 

The money was transferred via scam through PayPal and I demand a refund immediately from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: MD

Complaint narrative:
On XX/XX/XXXX ar XXXX p.m. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 daysXX/XX/XXXX 120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.

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 2022-02-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX ar XXXX p.m. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 dayXX/XX/XXXX 120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from Equifax ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.

Company response to consumer: Closed with explanation