vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Nelnet/Dep of Ed, to XXXX, XXXX and XXXX. I discovered 3o Errors on Each report. Which indicates that Nelnet/Dep of Ed broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters to Nelnet/Dep of Ed. via Certified US Mail, inquiring about the loans reported .They responded XX/XX/2019 Informing me my account required no adjustment. I then wrote them another letter XX/XX/2019 detailing every mistake and they never responded to the debt validation but corrected their errors online. this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
XX/XX/2019 I reached out to Loan Star Title Loan to request and a final payment agreement, and the manager explain that they would agree to wouldn't negotiate with me paying the money I borrow. They would like for me to bring into the office {$750.00} toward the loan and for me to continue with monthly payments. I've reached out on several occasion hopeful that they will agree to allow me to pay what I borrow. In regards of this matter. I reached out to thirds parties to see if I could receive help, only to find myself of having my propert destroyed do to towing companies, vandalised my lawn and flowers. XXXX Police has came out on several occasion for their hired towing companies making verbal threats. I have proof if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Hi requested a new credit card to my address XXXX XXXX  XXXX XXXX XXXX Texas XXXX and I never received my credit card and it was send back to the sender by the US postal service and I never requested that and the bank told me that I would have to go on another credit review if I get another card sent to me with a new card number and I explain to the bank I never requested for a address to be forwarded it must be a mistake with the US postal  service and my brother was recently moved and he must use my name to change the address without my permission and its fraud if that true and Im asking for first National Bank of Omaha to resend me that credit card with the same account number to my address ... my original credit card was stolen along with my wallet and my wallet was recover by the police department of XXXX XXXX and Ive been going through too much already such as losing access to my XXXX and not receiving any verification codes to my phone and getting all my cards reissued to 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 non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, Me and the original creditor Wells Fargo settled this account on XX/XX/2018, as they have in the settlement letter than this account is fullfilled, but they are reporting this on my reporting as paid for lessor than amount which is negative on my XXXX  and XXXX  report. They also stated on the letter that I do not need to make any more payments and there will be no further collection so this account should be positive status on my credit report or remove. I am trying to purchase a home for my family of XXXX  and this is hurting, e from getting our home

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 2019-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX I received a statement from XXXX that I owed a debt of {$150.00}. 

Returned a call from XXXX XXXX explained how I paid my final bill in the XXXX XXXX XXXX last monthly payment of XXXX at the store XXXX XXXX, Sc on XX/XX/XXXX statement date XX/XX/XXXX. My daughter was putting me on her family plan. I HAD TO PAY THE ENTIRE BALANCE IN OR TO CLOSE MY ACCT AND TO BE PLACED ON A FAMILY PLAN, WHICH LOWERED MY UPCOMING COST. 

XXXX SAID get a bank statement did, and sent it to a different letter to Her copies of statement and dispute letter .i did. 

XX/XX/XXXX I called at & t see if it was off my bill. They did not see I owed I thought it was done taken care of w dispute letter. 

XXXX/XXXX I got a call saying it was still in collections w now DCI. I sent another note on the XXXX paper and told to send to DCI.com and I did,! along again w statement. 

I have not received an email call or text saying it was received, I chked my XXXX and it is still there that I have NOT tried to take care of it. 

I paid my debt at the XXXX XXXX w bank bank stmt XX/XX/XXXX. I do NOT owe them any more money.all my bills I pay. 

XXXX XXXX Please help me. Thank you. 




.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I Paid this debt in full and the company sold to third party and they are allowing the third party to still report information unfairly on my report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Bought an engagement ring last XX/XX/2018 through syncrony bank. They constantly took payments from my bank account yet claimed they never got them. Made multiple double payments which they claimed they never got. They raised my balance that was paid down to XXXX dollars to well over XXXX which i never even spent that much to begin with. Put my account 90 days late, closed they account and sent it to collections even showing them proof all payments were paid. I provided them with dates over the phone that payments exites my account. The bank then closed my account due to it looking like fraud as payments were taken out but they never got them. 3 payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all disappeared. Ive never had a late payment on any credit card or mortgages in over 13 years except from this company!

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 2019-07-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX  XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX  XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX  XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively

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 2019-07-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively

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 2019-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This is the second time I have filed this claim. I filed a claim a month or so ago, and It was resolved on XX/XX/XXXX with it being closed. Transworld was contacted and they did not give information that justified the calls. They are a known scammer. Case # XXXX. They are calling me again and leaving the same recorded message as before. They have called and left messages on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX, XX/XX/XXXX @ XXXX XXXX from the same phone # - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I see numerous inquiries on my credit report that aren’t accurated. XXXX XXXX  also these medical information. I think identity thief is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: V and H Portfolio
State: LA

Complaint narrative:
Ive written several letters requesting verification of the debt theyre claiming I owe, including a detailed breakdown and that have not provided the information. Instead theyve reported the balance to XXXX instead of providing me with the information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
How dare you people drop my credit score over using your so called XXXX XXXX. my credit history is perfect. I pride myself on that fact. please look into this or I will never upgrade my membership with you.

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 2019-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
Medicredit Inc is attempting to collect three outstanding balances which are unknown to me : From XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00} ; XXXX XXXX XXXX in XXXX XXXX in the amount of {$280.00} ; XXXX XXXX XXXX XXXX in the amount of {$63.00}. I have attempted to contact Medicredit on a number of occasions in an attempt to verify the debt -- including trying to source a copy of the consent to treatment of consent to billing insurance from the medical facilities which might help establish whether or not an account was actually established -- but have not been provided such information. Medicredit refuses to discuss how the debt was verified or what documentation they procured to do so. Additionally, I have been the subject of unauthorized auto-dialed telephone calls and I have notified Medicredit, explicitly, that I wanted to be opted-out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
OCWEN now PHH refuses to process application stating missing documentation. The application specifically states what documentation is required of which was sent in with the application. Thye have delayed and wasted time by not processing based on receiving all required documentation in accordance to exactly what the application states as needed. Now I must resubmit documentation and application based on their delays and refusal to follow comliance laws based on expiring. 

In the early process an actual phone call had a person directly lie to me over the phone telling me " they have the entire application and were waiting on an amnswer ''. This is a continuation of previous complaint which still is not resolved. I will now have to pay additional costs to retain an attorney to sue OCWEN now PHH. 

Attached is the page stating required documentation. I have had an increase in Housing related expenses which requires no additional documentation. I was kind enough to add 2 paystubs with the original application. they are insisting on additional documentation including unobtainable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: GA

Complaint narrative:
XX/XX/2018 This institution sent a new debit card to a unknown person at a unknown address alouing them there on pin. While canceling my card. My account was cleaned out before I knew anything. {$900.00} just gone. I could not pay bills buy food I was just doun. I got a card in the mail about a change of address 2 days later. Thin sent me a letter telling me ther investigation conclude that I was some how involved and I would not be reimbursed any money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/XXXX attempted to make payment for mortgage online. I was unable to make my normal payment as the Mortgage company was attempting to collect {$8000.00} in addition to my monthly payment. The {$8000.00} represented an errant payment from XXXX to the local tax office. I called the mortgage company and was told they were trying to collect additional escrow to cover XXXX/XXXX homeowners taxes. Their error, although they lied and indicated the local tax office did not show me as exempt. I explained to them that as a XXXX Veteran in the State of Texas we do not pay taxes. The company claimed that they needed proof that I was in fact a XXXX veteran and that the local tax office told them that I was not tax exempt. Also they would not apply my mortgage payment until the balance from XXXX/XXXX taxes were repaid to my escrow account. I explained that I had no need for an escrow account but found nothing but deaf ears. 

XX/XX/XXXX I have provided the mortgage company with my status as a XXXX veteran as well as a letter from the local tax office showing that I had been tax exempt for years and my exempt status was still current. I also confirmed with the local tax office that they made no false claim to the mortgage company concerning my tax exempt status. Mortgage company refuses to adjust my account until they receive a refund from the local tax office. 

XX/XX/XXXX More of the same awaiting refund from the tax office and talking to the mortgage company 2-3 time XX/XX/XXXX still no refund, mortgage company remain unwilling to take my normal monthly payment. 

XX/XX/XXXX - letter received from mortgage company attorney notifying me of their intent to foreclose. Letter was generate on XX/XX/XXXX. I called the local tax office to find that the refund had been issued on the XXXX of XXXX. I called the mortgage company and was informed that they had received the refund on the XXXX of XXXX. Needless to say I was not notified. Instead, the mortgage company move forward with foreclosure?!?!?! 

I am now pending a pay off plan to bring my mortgage company but the clock is also running against potential foreclosure. They have also sent a work out application to refinance my mortgage. 

I am contacting every regulatory and consumer protection agency that will listen to the schemes of this company in hopes justice will be served. 

It is also important to note that I only owe $ XXXX against the original $ XXXX note which is only 3 years old. It seems clear this company is using underhanded tactics in order to steal the equity I have in my home.

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 2019-07-29 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: TX

Complaint narrative:
Equifax has my social security number mixed up with my sister. 3 mos ago we noticed my truck lease info on my sister credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Grant Mercantile Agency
State: CA

Complaint narrative:
XXXX of this year, 2019, a collection for {$300.00} was removed from my credit reports after being removed, previously, re-aged and reissued, by Grant Mercantile Agency. XXXX it was reissued on my credit reports. I've disputed the debt with the original creditor, through the bureaus and with Grant Mercantile Agency several times and they continue to engage in this abusive activity in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital one was just put on my credit for a inquiry I been had the app. So I went to login it tells me my personal information doesnt match. How could I apply if my ssn name doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I send my dispute to transunion due to an improper investigation, date XX/XX/2019 until today I don't have any answer attach copy of my letter

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 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I XXXX XXXX was in the market of buying a new car. I was told one thing during the time of purchasing the car and after signing of papers and driving off with the car. Going to the bank to have the car refinanced. I was told that the deal that the car dealership gave me was not what I was told. The interest rate is very high to the point that I can't get anyone to help me refinance my car loan. The value of the car is depreciating faster than making the payments and I was told that the trade in was go toward down payment on my new car. But they got my new car and then added a loan onto my car payments for the old car as well as paying for the new one. This is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. DealerXXXX. It was also financed through a company called XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... .with a 18 percent Annual Percentage rate, Finance charge XXXX, Finance Amount XXXX total of payments XXXX on a XXXX car ... please help me or call me about this matter. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation