vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
This complaint is in regards to inaccurate advice regarding the public service loan  forgiveness program from loan servicer Mohela. I have worked for a qualified employer for the program since XX/XX/XXXX. I have never missed a payment, to my knowledge since XX/XX/XXXX. When discussing payment plans with the loan servicer in XX/XX/XXXX I was under the impression that the payment plan was " income based ''. 

In XX/XX/XXXX I learned of the PSLF program and inquired with Mohela if I qualified. This interaction was via phone and I have no written record of the conversation, however their on-hold message did mention that the calls " may be recorded '' and there may be evidence of this conversation with Mohela. During that call the representative informed me that my payment plan did not qualify because I was in fact on an " income based-extended '' payment plan. I, naturally, was frustrated as I had missed seven years of what I thought were " qualifying '' payments. At that time I asked the attendant to modify my payment plan to a qualifying plan. 

I do have an email from Mohela with an attached application for PSLF, but based on their statement that I would not qualify, I did not apply. 

In XX/XX/XXXX I learned of the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ). It seemed to address the concerns that I had  regarding the misleading payment plan options. I then inquired with Mohela again in XX/XX/XXXX regarding the TEPSLF to confirm that I could qualify because I had made qualifying payments for at least 12 months and have paid on the loans for 10 years. 

When I spoke with the attendant I was informed that my payment plan did not qualify because it was some sort of hybrid income-based plan. Needless to say I was furious as I thought I could trust the advice from the loan servicer not once, but twice and I was misled. I also learned that I needed to apply and be denied for the PSLF program to apply for the TEPSLF program. I have applied for PSLF and received notification that my application has been received. 

Today, on XX/XX/XXXX I have learned that 99 % of all PSLF applications have been denied, and that the CFPB has resolved very few of these complaints. I also understand the language in the PSLF statute limits the federal government 's ability to be somewhat flexible. But I do think there should be some recourse for loan recipients who have made a good-faith effort to abide by the statute to have these loans forgiven, especially as I and many other hold public service positions that do not allow for substantial income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The amount is over 9000 and it is with wells Fargo. I do not and have not had a loan with them. I have had problems many times on this and trying to fix this I want it off my credit as it is not mine. It was in I think XX/XX/2017when added. Please fix it as it was not me and is stopping me from getting my credit fixed. I need it gone. Thank you. I have had problems in the past with Identity theft as well.

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 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
We received notice from Nissan motor Acceptance advising us the XX/XX/XXXX XXXX was sold for less than the estimated balance due. When we contacted them to inquire about receiving a copy of the bill of sale and a XXXX showing the actual transaction, they refused to send it. We tried explain that this voluntary repossession was due to fact that we couldn't trade the car in for another. Now they're threatening to send this to a collection agency for money we don't feel we owe. The XXXX insurance company listed it as a total loss in XX/XX/XXXX but never advised us of that and we had Gap coverage too. We have filed a gap claim with the insurance company in XXXX but still have not heard anything from XXXX XXXX XXXX XXXX  regarding this issue. Please advise us if anything can be done to resolve these issues. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: BB&T CORPORATION
State: SC

Complaint narrative:
Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. 
Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.

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 2018-10-18 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: NY

Complaint narrative:
I filed for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: ME

Complaint narrative:
When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response. 
I have disputed the debt with no response I have sent letters with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX and third party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged debt. On XX/XX/XXXX, I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/XXXX at XXXX XXXX. an Agent of this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX continues to ignore my requests. On XX/XX/XXXX this fraudulent item was removed from my credit report and this company willfully violated my consumer rights according to the Fair Debt Collections Practice Act. Specifically, I requested the documents from their filesthey used to verify this account. Under the FCRA, I have the right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. Who verified this account? What documents wete used to verify this account? Where are the documents they used? It has been eight months from the time of my initial request for validation and to date they have willfully ignored and violated my consumer rights by refusing to validate this alleged debt. XXXX XXXX is in direct violation of the law by continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested right months ago. XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, they are in direct violation and have totally disregarded the law. 
XXXX, WA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
My main complaint is I feel my vehicle XXXX XXXX is no longer safe to drive. I request for XXXX XXXX XXXX to apply the repurchase program. However I was told I didn't qualify for the program under the Arizona Lemon Law. However, as a goodwill gesture ( HMA ) agreed to settle my claim and offer to reimbursement of 2 car payments. 

I purchased this vehicle new in XX/XX/XXXX with less than 50 miles on it. In early XX/XX/XXXX I started to have mechanical issues and repairs on my car. Still under warranty. XX/XX/XXXX my engine was replaced with a new one. On XX/XX/XXXX I took my car in for a oil change and recall on the software ( computer system ). On XX/XX/XXXX as I was driving down XXXX XXXX, my check engine light came on and shortly afterwards my car stopped in the middle of the road. I immediately contacted the service at XXXX XXXX XXXX. At this time I advised XXXX XXXX service manager of the situation and that I was going to bring the car back in. After about twenty minutes I was able to get it started and returned back to the dealership. As i was headed back to the dealership I was not able to drive more than 35-40 miles per hour. That was  as fast as the car would go. At one point I stared to pull over and call for a tow truck, but didn't have time because the dealership was closing shortly. My car has been at the dealership since XX/XX/XXXX. XXXX and still unable to figure out the problem. On XX/XX/XXXX ( HMA ) ordered another new engine to be put in my car and again this didn't fix the problem.My check engine light is still on, with no near repair date if any. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: MN

Complaint narrative:
Please double what you provided me as a method of verification again you can check the second attachment that you XXXX XXXX sent me on the fax number. Tell me please what type method of verification is that? I need a consumer contract with my signature on it and this account opened XX/XX/2009 that's what shows me on the credit report. 
as required under Section 609. furthermore you have failed to provide the method of verification as required under Section 611 you are required to promptly DELETE all information which can not be verified. 

Despite three written requests was sent and you have received my all the letters, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors  documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation a consumer contract with my signature on it. as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. as well XXXX   XXXX XXXX called XXXX Central time again and they told me we don't have that request for at this time in my attachment as you can also see what they provided as a method of verification this is clearly The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to  enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I took a loan with Capital One Auto Finance in XX/XX/2017. I have made every payment on time. Capital One 's agreement was to charge {$230.00} per month. I signed up for this. Now after 11 months, Capital One is charging {$230.00} per month while NOT applying my payments to the amount due per month while taking interest payment. The loan has been paid ahead. Capital One has told me that I can not make payments more than 30 days in advance which MAKES ZERO SENSE. Their goal is to bilk the interest while penalizing me for paying ahead. They SHOULD NOT by law be able to take interest on the loan IF NOT APPLYING IT TO THE MONTHLY LOAN PAYMENT. They SHOULD NOT RAISE the monthly rate, as this was not deemed an adjustable loan, but a fixed monthly payment! I have asked several times why Capital One is doing this, and I get convoluted answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I was checking my XXXX  ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.

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 2018-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a paper bill from XXXX XXXX for a balance of XXXX. I attempted to log into my account, but received an error message that i would need to reset my password. A link was provided for updating my password, but when I went to the link, it advised me that they would send me an email with instructions on resetting the password. After numerous attempts, I never received the email. I finally gave up and mailed a check for {$50.00}. This was on Sunday. On Wednesday I received a call ( XXXX XXXX  ) regarding a past due on my account. I was told my balance was {$100.00} ( apparently they charged me late fees ) and my payment should have been {$58.00} ( for a balance of {$75.00}? ). When I complained about the inability to access my account online, I was advised that this was a known issue and they were trying to fix the problem, but were unable to provide a timeline when it would be fixed. When I attempted to pay another {$58.00} on the account using a credit card, they said they could only accept payment from my bank account ( they asked for my bank pin number for the payment ). This is unacceptable, and a basic security violation for bank accounts. When I am able to get back home I will be sending another check and closing this account.

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 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
opened an account with {$100.00} sign up bonus if you deposited {$100.00} and completed a bill payment of {$25.00} to a cell phone/internet service provider within 60 days. Confirmed details via secure message. I completed activities on XX/XX/18 and its been over 90 days and I have not received my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Searching for a hotel room on the XXXX website I came across a banner at the bottom of the web page which offered a {$200.00} statement credit after 1st purchase. I clicked on the banner and was redirected to a site where I applied for the credit card. After receiving my 3rd statement, I called to inquire as to why I had not received the {$200.00} statement credit ( the promotional offer ) that had convinced me to apply for the card. The first person I spoke with said that they could only put in a request to look into the matter. I then asked to speak with a supervisor. The supervisor I spoke with said they could only provide me with another offer, which was XXXX reward points. I explained that the promotional offer they were trying to offer me was not the original offer that had convinced me to apply. So, I requested to speak with their supervisor and was kindly connected. The third person I spoke with, XXXX XXXX in XXXX, claimed that they could not " downgrade '' me to the original promotional offer because of policy. I explained that it is frustrating to be offered one thing and then given another. I asked her if I could speak with her supervisor and XXXX 's response was that her supervisor was " not a phone supervisor, '' so I asked how I could get a copy of the transcript of the conversation. XXXX 's response was " with a subpoena. '' It is exceedingly disappointing that Chase would use bate and switch tactics. It is clear that Chase would rather have XXXX provide me with a promotional offer of XXXX points as opposed to Chase having to provide me with the {$200.00} credit statement. However, the most appalling part was that I was antagonized to take legal action by XXXX XXXX, this type of conduct is irresponsible and unbecoming of a customer service supervisor. My prayer is that Chase honors the promotional offer that convinced me to apply for their card and that both XXXX and especially Chase take the time, effort and resources to deliberate if this is how they wish to treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an account that is incorrect on my credit report XXXXXXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX XXXX XXXX XXXX even had the right person or the proper account!

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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I was checking my XXXX ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.

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