vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: PA

Complaint narrative:
This Nelnet account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from XXXX XXXX XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: AZ

Complaint narrative:
In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the XXXX major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for Equifax open. Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with Equifax refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. I am asking the CFPB to intercede on my behalf because Equifax states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX XXXX supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. Equifax continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. I am attaching documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 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 have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
XX/XX/XXXX I took out a loan for {$2500.00} at First Franklin Financial in XXXX, Alabama. The balance on that date was XXXX. I made payments until XX/XX/XXXX when I made a payment of {$1500.00} in order to try and get the loan paid off quickly. My balance was then {$480.00}. My payment was paid up until XXXX of XXXX and my payment is due on the XXXX of the month in the amount of {$120.00}. I mailed a check to them on XX/XX/XXXX for {$120.00}, earlier than the due date of the payment. When I checked the balance on my account, every cent of the amount I paid toward my balance was applied toward " interest '' and " PL fees '' and {$3.00} for mailing a payment to them. XXXX was put toward my balance, which is now {$480.00}. I feel that this is unethical and is taking advantage of people who are trying to pay off their debts. I had planned to have this loan paid off in full by XXXX, but if they are only going to put XXXX toward my balance each month, I will never have it paid off!! I had told them when I paid the {$1500.00} that they caught me up until XXXX of XXXX and they better not charge me any interest during that time. How can a loan company expect you to pay your loan off when they are only taking XXXX from your balance, even when you pay it IN ADVANCE OF THE DUE DATE? I feel that this is very unethical and probably in violation of the Fair Debt Practices Act. I am also filing a complaint with the Federal Trade Commission. I would like for this matter to be looked into and this company held accountable for charging such ridiculous fees for someone who has been paid up and has paid their monthly payment early. They are now showing my payoff at {$520.00}. How can this be correct, and fair to me as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my PayPal account. They used my PayPal account to make several payments. I reported this to PayPal as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the PayPal account balance was - {$310.00}. PayPal knew this was due to the fraud, but the amount got transferred to a debt collection agency : XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ). XXXX has sent me a collection notice and a bill for {$310.00} despite the fact that PayPal has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: NC

Complaint narrative:
I previously sent a dispute letter to Experian and XXXX  dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX  charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Leap Credit, LLC
State: MS

Complaint narrative:
In XX/XX/XXXX, I received an email about Leap credit drafting my account for a payday loan. I contacted my credit union, and they informed me that be on the lookout, basically probably a company trying to get information out of me. A few days later, they drafted my account, once I was finally able to get a hold of them, I informed them that I didn't apply for a loan, the lady on the other end told me I did, so I asked her to email me the application with my signature on it, she emailed it to me, and it was a typed signature in the box, They had deposited XXXX in my account, long story short the issue was resolved. She told me that they were not a fraudulent company and apologized. I had to do a police report and put freezes on my credit report. Almost 2 years later, in XX/XX/XXXX, they drafted my account again. I contacted them again ; this time, they told me it was a computer glitch and again apologized. We had a nasty verbal exchange over the phone, and they asked me not to contact the XXXX or anyone else because the issue was resolved and they wouldn't use my information again. On XX/XX/XXXX, they drafted my account again. I called again and once again apologized and said they don't know how it happened and they would resolve the issue on their end and no need to contact anyone. I'm frustrated because I don't know how they have my banking information. I honestly never applied for the loan. When I contacted them, they also told me that they called me and left a voicemail asking me if I still need the money, and they assumed I did, which is why they deposited the money in my account back here in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In the past week, XXXX, Transunion, and XXXX, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.

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 2021-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In the past week, XXXX, XXXX, and Experian, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score.

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.

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 2021-04-12 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:
This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.

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 2021-04-12 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: PA

Complaint narrative:
This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.

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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Please refer to all attached documents for details. A letter was received by me from XXXX XXXX informing me my loan with Mr. Cooper was sold to them. A second letter from Mr.Cooper dba Nationstar Mortgage has notified me that they have transferred the servicing of my mortgage loan to XXXX XXXX. I feel this is discriminatory against consumers with low mortgage balances because when I called a representative at Mr.Cooper and requested that my loan not be transferred to another servicer, I was told unless I refinanced my loan they would not honor my request. Requiring me to refinance my loan as a condition of keeping Mr. Cooper as my servicer is I feel illegal and prejudiced based on my status as a senior and retired. This practice on the part of Mr. Cooper is not doable or practical given my age and situation. My remaining mortgage balance is {$18000.00} as of XX/XX/XXXX and will be paid off in less than 2 years. 
I have always been current on my mortgage loan with Mr. Cooper and my goal is to pay off the loan in about one year as I plan to add additional funds to the principal remaining balance of {$18000.00}. I am requesting that Mr. Cooper reconsider and cancel any transfer to XXXX XXXX for my mortgage loan because this is biased and unfair. Putting me into a position of unnecessary and undue stress with XXXX XXXX is placing me with a company who has numerous complaints with a poor track record on many issues from countless consumers on the internet. Due to runarounds and servicing incompetency of XXXX, they have pushed many consumers to foreclosure causing what others have written as a living nightmare. Numerous violations as well as lawsuits including citing by CFPB and the XXXX XXXX XXXX are documented on the internet. 
My payment for XXXX is now due and I intend to send that payment to Mr. Cooper as I have done in the past. If Mr. Cooper cancels my payment as stated in their letter to me, I should not incur any late fees as this was not my choice. Mr. Cooper states to just send payment to a PO Box with no coupon or letter or anything. Again if CFPB researches others who have complained about XXXX, it indicates lost payments, fees of all kinds, total disorganization, non resolution of numerous issues, etc is typical when loans are transferred. No correspondence has been received from XXXX to date which is further evidence of their lack of competent consumer servicing. I do not wish to be part of their nightmare business and since I have so little time left to pay off my loan, I am requesting Mr. Cooper to continue servicing my loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NC

Complaint narrative:
I previously sent a dispute letter to XXXX  and Equifax dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. 
XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX  # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I feel I was discriminated against due to race ( XXXX ) and age ( early XXXX ) from my appraiser ( Older XXXX Male ) on my home value, causing me not to qualify for optimal rates. 
I applied to refinance my house XX/XX/XXXX my loan finally closed XX/XX/XXXX My appraisal was completed XX/XX/XXXX pricing my home below market value & Chase would not allow for a 2nd appraisal or consideration Filed a complaint with CFPB on XX/XX/XXXX, heard from chase a week later that they will review Finally heard back on XX/XX/XXXX with chase saying they found no wrong doing & my case is being closed I asked to submit documentation I had for consideration & was told it doesnt matter they made their decision At no point during Chase investigation did chase try to work with me to get more details or provide specific answers to my question Chase rep listened to my initial complaint and took notes but only follow up was they were working on my case that took over 1 month I believe incorrect data and bias data was used to set the appraisal for my house On my XX/XX/XXXX appraisal the main house used to set the price point was a home sale from XXXX when the market conditions were different I would like to know why such an old house sale was used, why consideration to use more recent sales data was ignored On my XX/XX/XXXX appraisal the housing trend was marked as stable & In Balance home price in my area had shot up and there was a shortage due to covid These negative bias factors in setting my home price affected my appraisal value The lower appraisal value disqualified me from optimal rate My current home value + Solar panel lien required an appraisal of $ XXXX in order to achieve 25 % loan value Appraisal of $ XXXX priced my house at {$320.00} a sqft which was the lowest for any home with XXXX data on the appraisal report My house had extensive renovation that included : New bathrooms, Kitchen, floors, paint, tankless water heater, appliances, solar panels & expansion of the house Chase statement Chase states since my loan was sold to XXXX XXXX nothing they can do Chase stated since appraisal was 3rd party vendor all they can do is monitor for future issues Resolution I would like a refund on fees that I wouldnt have paid if I received a fair appraisal Original lock in agreement was 2.5 % with ( {$1000.00} ) Credit ( 25 % loan to value disqualified me ) Instead I paid {$4700.00} at 2.625 % Fees paid + refund due = {$5700.00}

Company response to consumer: Closed with explanation