vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: VA

Complaint narrative:
Called twice to ask for my account number for each individual loan reporting on my credit report. The associate claims they are not allowed to give it out to the consumer. Manager during the conversation that he needs to know what I need it for first. I told it qas for the irs. And he still refused. There is currently no way to get my full account without they're corporation. Account need to be verified and this company need to extorted for bad consumer practice. Please show the policy in which your not suppose to provide the clients information after they've proved to you that the account belongs to the person?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received notification from Sequim Asset Solutions of a debt supposedly owed to XXXX. I had been a XXXX cable subscriber for 20 years and cancelled the service after changed had been made in my neighborhood and the service continued to freeze and go out. I have XXXX several months to try and fix the problem. They ran new lines, switched equipment, tried many things and each time told me this would fix it. Fox the last month I could not use my services at all and called XXXX and told them so. When I cancelled they want to charge me for the last month of service. I spoke with them and the rep told me that they could see that the cable boxes and internet had not been turned on during that period and they would submit the account for a credit. Then on XX/XX/XXXX I received the collection notice. I contacted Sequim in writing on XX/XX/XXXX ( within the 30 days noted in the letter ) via fax and have the confirmation page, asking them to provide validation of the debt. I never received any communication from them. I then called and was told that I should have not sent the letter in writing but called instead, even though the letter says to submit the dispute in writing. I was then told that it was too late and the debt had already been reported to the collection agencies but a supervisor would call me back. I was in disbelief. I never received any phone calls back. I then sent several more letters via fax requesting validation of the debt as well as removal of the collection from my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Never received a reply of any type. I am requesting that the collection be removed form my credit reports as I have never received validation fo the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
An unauthorized account appeared on my credit report. I unsuccessfully attempted to contact Equifax to rectify the problem. I called the following numbers : XXXX XXXX XXXX XXXX XXXX The only number that I was able to reach anyone at was XXXX. The representative at this number told me I needed to call XXXX to file a dispute. I called that number twice and it rings for a long time until a I receive a recording that says something like there is no one avail take your call. Were sorry but your call will now be disconnected The other numbers I received from the chat function on the Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a note today that CapitalOne would be closing my account due to inactivty. They put me in restricted status saying they'd close my account in 3 months. There was no prior notice and I had been receiving my status and promo emails from them as usual. 

When I spoke to customer service agent she told me there was nothing that could be done and connected me to a manager. He told me that " CapitalOne made a business decision to close my account '' since I had not used it in the previous 37 months and they believed I " had no intention of using the account ''. 

Why does my intent to use the account matter? Why did they not send me notice before there was no intervening? I am not pleased with CapitalOne since their decision, which had no negative impact on their company, will cause my credit to shift around based on the limits and age of this line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
Hi, on XX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor EOS CCA has verified my information with them and that the account is accurate. EOS CCA sent me on XX/XX/19 a letter with my name and address saying the original creditor is XXXX XXXX XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019 that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX  XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: VA

Complaint narrative:
I have tried to resolve this issue many times with XXXX XXXX XXXX but it never worked out. 

XXXX XXXX XXXX has done erroreneous reporting for two Hard inquiries dated XXXX XX/XX/2017 to issue credit card. 

I had applied for credit card on XXXX XX/XX/2017, only once and that was in-person in the branch and it was immediately approved by the branch manager XXXX. 

XXXX  XXXX XXXX has pulled my credit score twice without my permission or it has erroreneously reported two hard inquiries. 

However if XXXX XXXX XXXX has my second application on the same day, kindly provide me papers of my second application papers as an evidence. 

Else remove the wrong hard inquiries from my profile.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I begin a dispute with Experian on XX/XX/2019 in regards to a bankruptcy on my credit report. The bankruptcy filing was identity theft. Experian stated that they validated the information however I contacted the courts and they advised that they do not report any information to credit bureaus. This bankruptcy has been removed from XXXX  with me providing the proper information however Experian refuses to remove after the proper documentation has been provided to prove otherwise.

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 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I WAS GIVEN A MODIFICATION I MADE THE 3 PAYMENTS AFTER I MADE THE PAYMENTS THEN ( WELLS FARGO ) SENT ME A LETTER SAYING I DIDN'T QUALIFY FOR THE MODIFICATION THIS WAS BACK IN 2008 I HAVE BEEN TRYING TO MODIFY Y THE MORTGAGE AGAIN SINCE THEN THEY HAVE DENIED ME NO MATTER WHAT MY INCOME IS

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 2019-06-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
USAA Savings bank is still showing a XXXX credit card open on my credit which belongs to my ex husband. I have been divorced for 5 years, my name was to be removed from this account per court order, which I believe was taken care of at that time. I do not have access to this credit card, nor have I used this credit card, however my ss # is still tied to this account as it is affecting me. I have called USAA whom claims I am not on the account, I have disputed this record on my credit with XXXX  and the negative credit is still effecting my score. I have asked for it to be removed and no actions have been taken on behalf of USAA Savings bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems has reported an account in collection to all 3 credit bureau in the amount of {$1200.00}, from an alleged payday loan with XXXX XXXX XXXX   from XXXX. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ( Texas ) ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TX

Complaint narrative:
I purchased a mattress from Macy 's on XX/XX/XXXX and was provided an option to defer interest for 12 months if paid in full. I most recently made two payments ( {$90.00} in XX/XX/XXXXand {$200.00} XX/XX/XXXX ) of which none of that payment was applied to the 12 month promotional event. I contacted Macy 's credit department today ( XX/XX/XXXX ) after reviewing my statements and was told that they will satisfy the minimum payment first ( I totally get that ) and then will apply to the regular transactions unless I tell them or request differently. So I had to call to request to have my payments applied to the 12 month promotion even though I had agreed to this during my purchase. Seems very deceiving to the consumer and very rewarding for Macy 's. The 12 month no interest was sold to me at the store but at no time was that explained or shared with me.

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 2019-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery Service ( XXXX XXXX ) is on my credit report and I have sent several letters and reports stating that this debt is not mine. They have sent me the paperwork and apparently someone has taken an account out online in my name and XXXX XXXX sent the money to a XXXX XXXX  in Texas and sent me the account # but I have never had an account at XXXX XXXX and the address the person put on the account is an address I hadn't lived at since XXXX. XXXX XXXX did provide me with the bank account number the money was sent to but this is not my account and I am not paying for anything that I did not do. I never have nor ever will do a " payday loan ''. According to my credit reports, the account was taken out on XX/XX/XXXX in the amount of {$650.00}. I am not going to pay for something that I did not do and this company does not care and this has been effecting my credit report for years. I want it off! Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've made several attempts to correct the issue with the three major credit bureaus. My complaints have fell on deaf ears. I've never had my complaints properly addressed and this is my last attempt trying to correct this issue and having this inaccurate information removed from my file before I seek legal remedies. 

The following items are a result of fraud and having my identity stolen : 1.XXXX XXXX XXXX of CA 2. XXXX XXXX 3.XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX Ive included a certified police report copy of my ID and a bill that was requested to validate my request Experian, XXXX and XXXX have all failed in addressing my complaint.

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 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I received an email today from Capital One stating they were closing my card account ( XXXX ) for inactivity. I called them stating I did not want the account closed. The rep checked and said there was nothing she could do. She stated this was a new program and couldn't do anything about it. I asked why I wasn't notified about this before they closed the account and did not receive an answer other than this is a new program ... and she's just answering the phone. I don't understand how the consumer is not notified ahead of time to stop this from happening. Instead all I get is an email stating this is happening, nothing you can do. I inquired how was I supposed to use the account when they had not sent out new cards and she looked and it stated the card had been returned but not other info was in the account. She verified the address and it was correct so I'm not sure what the deal was. This has a detrimental impact on me and I'm told there is nothing I can do, they can not undo what they've done. My credit rating will take a hit because of their actions closing this account. They've made no attempt to contact me thru email ( they obviously have it ) before they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS APPEARING ON MY EXPERIAN, XXXX   AND XXXX CREDIT REPORTS. 
XXXX XXXX XXXX IN RESPOMNDING TO THE CFPB ON XX/XX/2019, SAYS '' THE ACCOUNT IS NOT THEIRS '' AND IN THIS CASE SHOULD NOT BE REPORTING ON ALL OF MY CREDIT FILES.I HAVE ATTACHED XXXX XXXX XXXX XXXX RESPONSE TO THE CFPB IN COMPLAINT NUMBER XXXX. 
IN ADDITION, EXPERIAN 'S UPLOAD SYSTEM DOES NOT FUNCTION..AND EXPERIAN REFUSES TO RE-INVESTIGATE CALLING THE DISPUTE '' FRIVOLOUS ''.

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 2019-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX van from XXXX XXXX in XXXX XXXX XXXX, Fl. in 2014 as my other car was in disrepair, I am a single senior female and lived far from a town. I also wanted to improve my credit score, so CHOSE to pay half the amount down and finance the rest at 24 % interest, intending to pay payments for six months and then pay it off. I test drove the van a couple times and all seemed to be o.k. 

Within 2 days after purchase, it developed a severe jerk in shifting from 1st to 2nd gear and the electrical system began having issues. Lights flickering, seats not working, tailgate would not open. I immediately contacted XXXX XXXX and the owner said he would either fix it or trade it for a comparable vehicle. In the meantime, trying to work this out, I made all my payments on time as promised, showing due diligence on my part. 

He set up an appointment with a mechanic, I went to said appointment and was told they were slammed and could not help me which I found odd. I then took it to XXXX XXXX myself and was told it would need to have the transmission rebuilt. XXXX XXXX refused to pay it. I then requested he exchange it for another vehicle as he said he would do. When I went down there, 100 miles round trip, he showed me only one and then said it would require {$1500.00} more down and the payments would increase. As I live on a limited income I could not do this. I called Consumer Finance who it was financed through and they were less sympathetic than the seller. I shortly after found many complaints from others who had been taken by this auto dealer using this same finance company. 

A man from consumer finance called me, was VERY rude, threatened me with suing me. I informed him that I was the one who was being ripped off. So, it went on my credit making it worse than before and that was the reason that I did not pay the whole amount which I could have done. 

I acted in an honest, diligent, responsible manner which I can not say about the seller or finance company. This should come off my credit report with all bureaus as NOONE should be expected to pay for something so severely misrepresented!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: AES/PHEAA
State: OR

Complaint narrative:
On XXXX of XXXX I switched my loan servicing from XXXX to FedLoan. For the past five years I have been paying my loans with XXXX. With XXXX, I would verify each year that I was in a repayment program that qualified me for Public Service Loan Forgiveness. I printed documentation of these payments, and was assured by XXXX that my account would remain online, so I could continue to verify repayment program and payments. When my loan was transferred to FedLoan in XXXX of XXXX, verification of my payments were not transferred. At that time I had made 49 qualifying payments toward the PSLF program. 

On XX/XX/XXXX I contacted FedLoan and spoke with XXXX XXXX and asked where verification of my loan payements from XXXX were, she said it will update within 30  days. On XX/XX/XXXX, when my loan payments were not updated on my account with FedLoan, I spoke with XXXX XXXX who told me that they have to look into my detailed history with XXXX and it would take 60-120 business days to be approved. I then called XXXX who informed me that they had not received contact from FedLoan regarding my account. On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding why my loan payments toward PSLF had not been updated from XXXX, nor the payments i had been paying to FedLoan for the last 5 months. She informed me that at the end of the year, when I show verification of employment, the number of payments with FedLoan will update and that the verification of payments with XXXX could take until XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX as my loan payments with XXXX  ( 49 ) and my loan payments with FedLoan ( 11 at this point ), are not recorded on my account. XXXX informed me that verification from XXXX is being " reviewed '' and he doesn't know how long it will take as they are questioning my payments. He said that technically I have until XXXX ... 

I do not know why FedLoan has given me four different answers regarding five years of qualifying loan payments being credited to my account. I would like those payments to be updated on my account with FedLoan. I am concerned that the longer it takes them, the chance of proving the payments qualified, becomes more and more difficult. I am also very confused why it is taking them so long to verify something that took me one minute to see on my XXXX account. It seems FedLoan can do whatever they want when it comes to verification of my loan payments and I would love some help in accountability with their systems of transferring loans to them and verification of qualifying payments. As of XX/XX/XXXX I should have 61 qualifying payments toward my PSLF.

Company response to consumer: Closed with explanation