vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I attended XXXX  college in XXXX XXXX from XXXX to XXXX. While attending this school I had taken all student loans to be able to afford my education. I have not nor was I ever able to get a job in the field that I graduated for and now I am unable to obtain transcripts or any further information about my enrollment or completion of that program and have loans that I have to repay. Its also going to cost me additional monies to achieve the same goal and retake classes and I have already completed which now I have no proof and can receive credit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not give me my annual free credit report but instead requests that I send them copies many personal financial and identification documents by mail. They are placing inordinate stumbling blocks in order to avoid compliance with the annual-free-credit report law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ut. XXXX Regarding Case Number XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my husband and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, Missouri and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We contacted multiple individuals at CapitalOne including but not limited to XXXX emp # XXXX, XXXX emp. # XXXX. They refused to provide their last names and further help with XXXX charges and closed my case and refused to help us any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been making payments on my loan since I graduated. My loan was sold off to Navient and I have been having issues ever since. Not a dime of my money has gone towards my principle balance and I have not made a late payment. Something needs to be done. I don't want to die with this loan. Please help or advise on what my options are or how you can help. At this point I wish I would have never went to school. I don't what to do. At first they said my loan would be forgiven after 25 years as long as I never made a late payment. Well I called again and I keep getting a different story. The 2nd time they said it would be forgiven after 20 years. I have been talking to a lot of people about this and they say that forgiveness it not true. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
RE:  COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX
                    FOR:  XXXX XXXX REALTAIL STORE CREDIT CARD ENDING:XXXX
HAD SAME ISSUES TWO TIMES:  I ALWAYS PAY BILLS ON TIME AND HAVE AN EXCELLENT CREDIT RATING.  COMENITY BANK IS DESTROYING MY CREDIT RATING.  PAID A BILL DUE XX/XX/19 $XXXX.   - I PAY MY BILLS DIRECT PAYMENT THROUGH MY CHECKING ACCOUNT WITH XXXX.  - PAYMENT NEVER WENT THROUGH.  I VERIFIED CORRECT INFORMATION.   GOT HIT WITH A LATE FEE.  NEXT BILL: NOW WAS $XXXX (LATE FEE TACKED ON TO $XXXX.  AGAIN, THIS WAS PAID ON THROUGH DIRECT PAYMENT XXXX CHECKING - SENT: XX/XX/XXXX, TO BE DELIVERED XX/XX/2019  .  AGAIN, COMENITY REFUSED THE PAYMENT, IT WENT BACK TO MY XXXX  ACCOUNT AND RECEIVED NOTICE THAT MY PAYMENT WAS: UNDELIVERABLE.  BEEN HAVING CONSTANT COMMUNICATION WITH COMENITY AND NO RESULTS - THEY WAIT TO TACK ON LATE FEES.  AS OF NOW, I SENT A CHECK IN MAIL TO COMENITY AND CLOSED THIS CHARGE ACCOUNT.    XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: MS

Complaint narrative:
Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
At US Bank I have my credit card connected to my checking account as OD protection and at times it will use my credit card to cover transactions on my checking account. IT IS ALLOWED!!! At this most unfair financial institutions they red flagged my credit card account and when spoke to the person assigned he made illegal//unlawful statement/reasoning of why the account was closed and hung up the line. 
I herein demand that US Bank makes that conversation available to CFPB1

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 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LendUp Loans LLC
State: TX

Complaint narrative:
XX/XX/2019 I revoked there authorizations for Ach agreement thru my account. And I did a stop payment on this ach payment. They told me they would not send it thru on XX/XX/2019. On my dashboard they clearly admit to sending it thru on XX/XX/2019. Without my authorization. They clearly have no way to stop an Ach payment. Which by law makes the Ach agreement invalid. There has to be a way to stop it in the agreement. Which there is not. There Ach agreements are deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company is trying to collect debt for medical bills from 2013. This debt is currently also being collected on behalf of another collection agency as well. From my understanding, 2 collection agencies can not collect for the same debt at the same time. Also, I received calls from this company 3 times within 1 hour today which I consider harassment, especially if youre not going to leave a voicemail and then when I do call back, I am hung up on by one of your representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: MS

Complaint narrative:
Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.

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 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Im not sure why of how it came to this due to the fact that I called you back in XXXX or early XXXX to inquire as to why Wells Fargo did not take the money from my account. let me correct that last statement you did take it and then released it back to my account several times I know that it may have been less than the expected amount but you did take it and put it back. I did not receive any correspondence from Wells Fargo explaining the situation to me at that time, that's why I called Wells Fargo to find out what was going on and I was informed that my name was not on the mortgage I informed Wells Fargo that my wife had passed in XXXX of XXXX, from XXXX. I then told him that my name was on the deed and he confirmed that and told me it would have to they would automatically take the money from the account t be investigated why the money was not taken from my account and that it would take from 10 to 14 days to find out, I did receive a call right around the 14 days and was informed the it would take another 14 days to complete the investigation. After the conversation I finally received correspondence stating, NOTICE OF INTENTIONS TO FORECLOSE. To my surprise needless to say that I was disappointed do to the fact the money was in my account and before all this happened they would automatically take the money every two weeks with know problems or issues. I have been banking with Wells Fargo well over 25 years, and they have been our mortgage provider for over I want to say at least 10 years. And if you check my payment history it will clearly show the mortgage was always paid on time. Needless to say that I don't know about all the banking policy and practices but I do know that all of this could have been avoided if Wells Fargo cared about it customers. And to add more insult to this situation I receive a check in the amount of {$840.00} dated XX/XX/XXXX stating for misapplication reversal. And I currently have over {$6000.00} in my account today due to the fact I was still making the required deposits to my account. So do to some internal issues or changes its my fault that you have not taken the money from my account, so now I have to contact my township to make sure the taxes is paid. Therefore I am seeking a resolution to this problem and I will also be filing a complaint with the Consumer Financial Protection Bureau.

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX, I was victim of deceptive phone scam and gave away {$10000.00} dollar worth of gift cards to the scammers. Credit card company said they cant do anything for me because I was the one to make those transactions. Could anybody help me get my money back? Or at least part of it? I would appreciate any advice or help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made internet purchase with internet broker and canceled it within 24 hr. 
The purchase transfer was officially canceled and confirmed in writing by the tickets supplier, while my credit card paid the broker for item that was never send. 
I complained about the transaction with Capital One, yet after some investigation they refused to assist me with the claim base on broker " all sales final '' sale policy. 
Such policy violates Federal Trade Commission laws and even Capital One manager acknowledged knowledge of such law, she refused to enforce it, helping the broker to take money for items never delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been a member of the United States XXXX XXXX since XXXX in both an XXXX XXXX and XXXX XXXX XXXX. I have been a XXXX  employee, without a break in service, since XXXX of XXXX. After passage of the public service loan forgiveness act, I contacted my loan servicer, Navient, and was informed that if I continued my federal government service and made payments on my student loans for 10 years, I would qualify for the loan forgiveness program. After 10 years of on-time payments and a continued 10 years of XXXX XXXX  employment, I contacted Navient again in XXXX to see what I needed to do to apply for the program and was then informed that I did not have qualifying loans and would need to consolidate my loans and make additional payments for 10 years, with overlapping qualified public service, in order to be eligible. If I had been given this information when I originally called Navient in the XXXX timeframe, I would have consolidated my loans at that time. Navient has failed to carry out both the spirit and the letter of the public service loan forgiveness act by failing to provide any accurate information to me about my loans since I inquired after passage and implementation of the legislation. At a minimum, they should have given me accurate information when I contacted them. After failing to do so, they should have contacted me by letter or email to inform me that my loans did not qualify after I initially reached out to them and was given the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Leviton Law Firm, Ltd.
State: NE

Complaint narrative:
In approx XX/XX/XXXX I had a credit card processing machine from XXXX that had not been working properly for several months. We spent several days and many hours on the phone with our sales rep and technicians of the company XXXX to get it to work correctly. We were not able to swipe cards for charges. We were only able to manually key in the information which in turn is billed at a higher rate. We cancelled the machine and sent it back to XXXX because our contact had expired. XXXX immediately turned us over to collections with The Leviton Law Firm Ltd. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. I have had 2 phone conversations with the company. One conversation was reportedly not recorded. I called them to ask them for an email address I could send information to and she took my email address at that time. That was several months ago. I can retrieve the phone logs for an exact date. I called again XX/XX/XXXX and spoke to a XXXX XXXX of the collection firm and the phone call immediately turned nasty. I told him I called previously a few months back and spoke with a woman about this bill from XXXX that they were attempting to collect and he argued with me and told me I had never called. This information was false and I advised him of this. He again stated that I never called. I told him I wasn't going to argue this with him and asked for an email address I could send correspondence to. He just became difficult to deal with by talking over me and being sarcastic. I asked him several times for an email address because I would not have a conversation with him over the phone over this. He laughed and stated he didn't care if I got an email address but would still not provide it. He stated that they have made several calls to me but I have never returned the calls. I have never received any call from any one identifying themselves as collections or any on from The Leviton Law Firm Ltd. I ended up just hanging up because I felt he was trying to provoke me with his behavior. I do not owe a bill to XXXX and do not have any way of notifying this collection agency of the situation because no one will listen to what I have to say. What do I do now? I don't owe money to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ne XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my XXXX XXXX XXXX app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru XXXX XXXX XXXX to  get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, Chase. There was no warning or disclaimer that this could happen as such I believed that my bank ( XXXX XXXX XXXX ) and XXXX ( since my bank was backing them ) would provide basic protections just like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX Short Sale was started with XXXX on XX/XX/19. On XX/XX/XXXX we called in and were told it was being assigned and we would be called back that day.

Now today, XX/XX/19, we are being told nothing has been done on this file and nothing will be done on this file. There is no SPOC assigned. XXXX is refusing to escalate this. Management is refusing to work on it. 

Aside from gross violation of their servicing guidelines, XXXX is at this point committing LOAN FRAUD, due to their acceptance of servicing funds without actually servicing the file. *******Additionally, this is a VA BORROWER. Apparently XXXX doesnt care about our military personnel. XXXX doesnt care it is in violation of Federal and State Laws. XXXX doesnt care it is in violation of their Servicing Guidelines. XXXX doesnt care about CFPB guidelines. 

Instead, XXXX is blaming this on XXXX/XXXX, claiming they are the subservicer and as such it is their responsibility, not XXXX, for this file. 

****we are having issues on EVERY SINGLE ONE OF OUR XXXX FILES. XXXX has no capacity to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents we have submitted to be worked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX XXXX credit karma XXXX XXXX XXXX pulled credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
In XX/XX/2018 National Credit Systems put a debt that was my daughters for a past rental debt they said they put it on my credit because I signed an application that said I was a Guarantor for this debt I was planning on co-signing for it but was told by the assistant manager that they didn't need it then a week after they realized they messed up they wanted me to sign and I refused the apartments XXXX XXXX has never provided me the documentation stating this my daughter paid even more than what was owed due to the fact she needed a place for her sons and they knew it so they would not negotiate on the debt AND made her pay more than was owed!!!!!!!!!! Now I can not get approved for any housing because this is on my credit if I signed something I will shut up and move on but send me the docs with my name that says I am a Guarantor OR TAKE IT OFF ALL MY CREDIT REPORTS NOW!!! This is insane how this collection agency did us how can they put a debt on your credit without a paper trail???????? I continue to send 100s of emails demanding they take this off I am so frustrated!

Company response to consumer: Closed with explanation