vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has been unable to provide proper legal documentation. 

Please provide the MPN in its original form for any and all alleged accounts and disbursements. 

Please provide the MPN for The University of XXXX  XXXX XXXX in its original form

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have called capital one countless times to inform them the following names do not live at XXXX XXXX XXXX XXXX XXXX ny XXXX. These are family members or friends that capital one had agreed to remove from getting mail but we still continue to get mail for them. 

The following names need to be removed 1- XXXX XXXX 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX 5- XXXX XXXX 6- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been struggling to finalize a loan modification with Ditech for 3 years now. I also filed a claim here XXXX XXXX # XXXX. Ditech has processed 3 modifications that were errored, collected undue late fees, incorrectly reported by interest paid in XXXX and continuously reported our mortgage past due when we have not missed a payment since the modification process. For a period of 3 years, they have harassed us with calls ( even after being asked to stop ) and cause extreme stress and efforts in trying to correct this. Even during the death of my son ( XX/XX/XXXX ) we had to endure the stress of Ditech inappropriately and inaccurately handling our mortgage process. I have spoken to them numerous times with no success. Their most recent action was " selling our mortgage '' to XXXX as delinquent ( 351 days, {$22000.00} ) when they promised they were in the process of final corrections before selling our loan. We have escalated the issue with XXXX  but are facing foreclosure on our home of over 20 years. I will attach all previous contacts, complaints, statements and communications with Ditech. Ditech deserves extreme repercussions on handling our account as well as we feel they financially owe us. Currently, we are just trying to save our home and bring it current as well as fix our credit reports. 
Thanks!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services & XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called XXXX XXXX XXXX and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills. 
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: GREAT LAKES
State: CO

Complaint narrative:
I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A few family members and friends had used my address and capital one agreed to remove them and stop sending pre approval quotes to my address. The following people no longer get mail to the following address XXXX XXXX  XXXX XXXX XXXX ny XXXX. I just want them removed as the capital one rep said they would do. 

1- XXXX XXXX 2- XXXX XXXX  3- XXXX XXXX 4- XXXX XXXX. XXXX 5- XXXX XXXX 6- XXXX XXXX 7- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I lived at XXXX XXXX from XX/XX/XXXX moved out XX/XX/XXXX. I paid any & all charges that was owed at this apartment. Since this time now 3 years later XXXX XXXX is now under new management & has placed an old paid balance of {$580.00} on my credit report. Since Ive moved from XXXX XXXX I have lived in 2 other apartments both of these apartments verified my rental history & both times XXXX XXXX has reported to each apartment that I do not owe them any money. This apartment is using deceitful tactics to gain money from prior tenants who they would hope have lost all documentation to prove that they have paid their balances. I contacted the collection agency & they stated XXXX XXXX had just sold my information to them. This is against the law & taking a toll on my health. O am scheduled to move next month & now because these fraudulent apartments placed this fraud account on my credit report I am unable to move & my kids & I have no where to go. Please help & please stop this scam this apartment is doing.

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 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called Pendrick Capital Partners and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills. 
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ME

Complaint narrative:
My payments have been incorrectly calculated since at least XXXX. This is because of a myriad of problems, including but not limited to an incorrect calculation under the IDR plan. My current IDR plan was supposed to be in place for XXXX, and by their own notification I should have known the new payment by no later than XX/XX/XXXX, but I have yet to hear what the new payment will be under the new IDR plan. I have tried to contact them multiple times, but the company has never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CA

Complaint narrative:
In XX/XX/XXXX my XXXX XXXX account became seriously delinquent and was charged off and sold to a debt collection agency. I was able to pay off the balance by XXXX. However, XXXX XXXX has supplied inaccurate information to the credit bureaus. The inaccurate information has included the account status as unknown when the account was closed and paid in full, missing payments, incorrect balance and the account debt clock being reset from XX/XX/XXXX to XX/XX/XXXX. I have tried disputing the incorrect information with very little success. My biggest complaint is XXXX XXXX attempt to reset the date of the account being charged off. That is illegal!

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 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I sent a police report to XXXX in XX/XX/2018 XX/XX/2018 XX/XX/2018 stating my identity was stolen 3 collections from Simon agency I asked them for my identity proof of my I'd, social security card, the bill etc to prove that its mine and they cant prove Along with XXXX XXXX I dont know what that account is I asked for verification of validity for that as well no proof I need those items removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Discovered a Collection entry on my credit report for National Recovery Agency. I Have never received any communications from this company and don't understand why they submitted a collection entry on my credit report.

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 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. I sent money through my Chase app for {$90.00} and received only silence. 

I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to Chase explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and Chase, through the Chase app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: AZ

Complaint narrative:
Inaccurate credit reporting. Wrote a letter to challenge the accuracy of items on my report. 
Details are included in this letter which is uploaded to view.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in the Equifax credit company I see some debts that do not belong to me for {$2500.00} from XXXX XXXX and another {$1000.00} from XXXX  XXXX XXXX, the dispute and the information were passed to this company and they do not answer me and this is causing me credit problems and I contacted the companies named above and they inform me that the error is equifax since they do the macheo and does not match the data of the person of the debt with my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Hello, Today is XX/XX/XXXX. I am filing a complaint against USAA bank for a decision made in a payment dispute. On XX/XX/XXXX, I made a payment to a debtor, XXXX, for the amount of {$380.00}. On XX/XX/XXXX, I received my federal tax refund in the amount of {$4500.00}. The tax return was originally {$4900.00} ; however, the IRS made a payment to XXXX on XX/XX/13 in the amount of {$400.00}. I was not aware that this occurred prior to my payment of {$380.00}. 

I disputes the charge and a temporary credit of {$380.00} was applied to my account by USAA. I received a letter from the IRS a few days after my payment of {$380.00} stating the deduction of my tax return to pay a debt. 

On XX/XX/XXXX, I submitted a dispute request on my credit report to XXXX. I uploaded the document that I had received from the IRS. On XX/XX/XXXX, I received notice about my dispute results from XX/XX/XXXX ; the debt of {$380.00} from XXXX was removed from my credit report, as the debt had been paid. 

I received notice from USAA bank on XX/XX/XXXX to submit detailed information regarding the charge by XX/XX/XXXX. If not, then my checking account credit of {$380.00} would be reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I uploaded the IRS document to USAA. I called USAA around noon to confirm that they had received the document and if it was sufficient information they needed. 

USAA verbally told me that my information was sufficient. They also made a note in my account on XX/XX/XXXX with my request for documentation to a verbal approval. I had made multiple calls ( 3 representatives ) about the information that I provided. During these phone calls, I explained to USAA the document and how it relates to deposits and charges to my account. 

On XX/XX/XXXX, my account was debited {$380.00}. USAA had concluded that I had not provided them with sufficient information. When I explained this information to a senior member in their service department, she said that I could send an email to USAA explaining everything that I have to you in this complaint as an affidavit. USAA does not support email as a medium for me to contact them directly. 

Im frustrated with their service. I live paycheck to paycheck living in the XXXX XXXX. USAA has disrupted my livelihood and now I must worry whether their investigation into my dispute against their decision will come before the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
My issue was not listed in your previous pages so I did the best I could. The issue I'm having is with my mortgage bank. 

On XX/XX/2019 the town of XXXX experienced a devastating flood. My hotel, The XXXX XXXX, took in over 10 of water. I lost 15 rooms, my office, laundry and storage rooms as well as my tool room. My insurance adjuster came out almost immediately. No one could even get into town until XX/XX/XXXX and they were here within two or three days after. XXXX XXXX from XXXX XXXX sent us an email on XX/XX/XXXX asking for a status report on our property. Our adjusters were very thorough and helpful with our claims, of which we have 7 total. Within a month, on XX/XX/2019, four of our claims Buildings 15, 16, 17, and 18 - were signed and recorded. We had been working on clean up and demolition during the month of XXXX and XXXX. The bank requested receipts for the work and materials, which we diligently sent. 

As of today, XX/XX/2019, XXXX XXXX is holding {$86000.00} of our insurance money that we desperately need to rebuild our hotel. We had a very short time frame because we wanted and needed to be open for Memorial Weekend but their refusal to release our funds, even after we sent them all the receipts they required, has delayed our reopening. We are at a desperate time. What they are doing is impacting not only us but the tourism and economy of XXXX. XXXX XXXX holds our mortgage. They wont release our money to us but expect our mortgage to be paid. We have no income and because they wont release our funds we cant get any of our rooms going. We could have easily gotten at least four of them up and going last week had they sent us our insurance money. We are at a loss and will go bankrupt if we dont get help. Please, I beg you to look into this gross negligence.

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 2019-05-08 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: CO

Complaint narrative:
I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?

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 2019-05-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct  loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CO

Complaint narrative:
I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?

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 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. 

I sent money through my XXXX app for {$90.00} and received only silence. I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to XXXX explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and XXXX, and Bank of America, through the XXXX app. 

The scammer using the XXXX XXXX XXXX was a Bank of America customer.

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