vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MA

Complaint narrative:
I am not certain how I ended up servicing my loan through XXXX XXXX XXXX   however it has been a nightmare ever since. I consolidated my loans with XXXX XXXX XXXX a few years ago. My monthly required payment never made sense to me and how it was calculated. I called countless times over the years getting different representatives each time and the information provided was never consistent. I sought out repayment assistance many of times however there was never a resolution to my problem. As a full time working woman with countless other necessary living expenses I struggled to make the minimum required payment. Sometimes I would make two payments in one month of what I could which was better than nothing. Due to the fluctuation in my monthly payment and being advised I was on the lowest repayment plan my account apparently started to go in to a missed or late payment status. This later hit my credit report which was my first notification as I have worked extremely hard on my credit rating the past few years to be disturbed and find out it was all for nothing. My credit dropped over 100 points due to this. I attempted to appeal it with the US Dept. of Education however I was contacted by XXXX XXXX XXXX instead. I filled a formal complaint and was denied. Cited in the correspondence received from XXXX XXXX XXXX it was stated that they attempted to contact me by phone and mail however neither were ever received. I truly believe this is bad faith/ bad practice and I should not suffer these consequences due to their bad faith. I am now financially in an extremely difficult situation as I need to move and replace my vehicle and can not do either due to the hit on my credit report from XXXX XXXX XXXX. This has created a lot of issues for me financially. I do not feel that if I spent another 30 minutes on the phone going back and fourth with customer service that it would do any good as there are never changes to my account or monthly installment after help is sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have continued to dispute the false information that XXXX XXXX XXXX has placed on my XXXX credit report and will continue to do so, until this is deleted. It is obvious how seriously that this collection company takes this, as they close out my complaints in less than 24hrs without any real investigation.

AGAIN, I NEVER received any bill for this debt from the original creditor-XXXXXXXX XXXX XXXX XXXX- who is a third party billing company out of Ohio . XXXX XXXX XXXX XXXX- based in Ohio , has been found guilty of fraudulent billing in several cases. I have NEVER been a patient at XXXX XXXX XXXX, in XXXX, OK. XXXX  has falsely claimed that XXXX XXXX XXXX is in XXXX , OK, which it is not, it is in XXXX  , OK-this first claim shows that their information is clearly flawed. AGAIN, my credit report shows the information given from XXXX-claims the original creditor 's service being XXXX  of XX/XX/XXXX. Their claim of me being seen at XXXX XXXX XXXX in late XX/XX/XXXX is not even possible, given the fact that this hospital was torn down in XXXX of XX/XX/XXXX after being struck by a tornado. It was rebuilt and opened in XXXX  of XX/XX/XXXX-reopened as XXXX XXXX XXXX hospital in XXXX, OK.

More importantly, XXXX   has refused to even address repeated request for validation of this debt, they refuse to provide ANY original documents proving what is owed. They are required to send proof that they own this debt or have been legally assigned this debt by the original creditor along with original documentation showing proof of debt.

According to federal law, if a debt collector does not verify the debt, it is not allowed to list the debt on a person 's credit report.

Also, the State of Oklahoma requires a creditor to provide the following documentation to prove the validity of a debt- proof of service, proof of breach of payment, copy of any contract or original account and documentation of assignment of debt. This information came directly from the Oklahoma Attorney General 's office, after I submitted copies of all complaints/disputes with XXXX.

XXXX has now refused to comply on multiple occasions and attempted to make me think that I am incorrect and that the burden of proof lies with me, not them.

XXXX is required to show proof of this debt, not pass the buck on to me.

AGAIN, XXXX  has shown zero proof of anything being owed.

XXXX has a well established history of fraudulent activities.

XXXX  refuses to provide any documentation/consumer disclosure file on this debt.

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 2019-01-15 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: WI

Complaint narrative:
I CHECK MY CREDIT REPORT WEEKLY AND A FEW WEEKS AGO I NOTICED THERTE WAS A COLLECTION ON MY ACCOUNT FOR {$1200.00} FROM A XXXX XXXX XXXX ( XXXX ) I'VE NEVER EVER APPLIED FOR A LOAN WITH THE COMPANY I'VE ASKED EQUIFAX TO REMOVE THIS OFF MY CREDIT REPORT AND IT'S STILL ON THERE, I'VE CALLED THEM SEVERAL TIMES EVERY TIME I CALL THEY SAY CALL BACK IN 30 MINUTES BECAUSE THEIR SYSTEM IS DOWN. I LITERALLY CALLED THEM FOR A WEEK STRAIGHT AND EVERY DAY I GET THE SAME RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony account manager stated a refund of {$92.00} was due on my account within the next two days. She stated this on a record line and documented this in her notes on XX/XX/XXXX. I called today and a representative saw the notes. The {$47.00} was credited for the second return that I had sent ; however, the {$92.00} was not credited. Instead, recently, I received an email stating that a credit of {$13.00} was being issued and now I have a positive balance of {$13.00}. This is not correct. I paid the account out and should have a positive balance of {$92.00}. I have written to the CEO, talked to her assistance who fraudulently placed a credit of {$13.00} that had been issued months ago on my XXXX XXXX card from XXXX. They refund XXXX   {$13.00}. There is someone doing illegal activity on my in house XXXX Account and placing fraudulently another {$13.00} on this account instead of {$92.00} that was recorded by an account manager. No will discuss this from Corporate. Yet, tonight, XX/XX/XXXX, an account manager sees the notes that I am referring to ; she does not have a clue why the {$92.00} has not been refunded. This is fraudulent activity on my account by staff with Synchrony.

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 monetary relief
Consumer complaint received 2019-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Signed debt consolidation loan on XX/XX/XXXX, bank insists check was mailed however credit card company never received payment as of XX/XX/XXXX. Bank refused to cancel check until after 90 days, after 90 day period still claims they can not cancel until XXXX signs waiver, XXXX refused. Meanwhile, I continued to make monthly payments to the credit card as well as the consolidation loan, including interest. My credit report reflects the amount of the loan as well as the previous debt, since there is no validation a check has been sent out, and no payment received. My credit score also has dropped significantly and continues to lower, preventing me from taking out a line of credit. XXXX XXXX XXXX XXXX denies responsibility for the missing check, claiming the consumer must request certified mail and stated it was a courtesy for them to have agreed to mail it.

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 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Madison Management Services, LLC
State: FL

Complaint narrative:
Shortly after I purchased my home, I had to have the windows replaced. The contractor I hired to do the work financed the windows and I was making payments on the loan. Then they sold the loan off and I was paying a different company. Then the loan moved over to another company and they stopped sending me statements and disappeared. I could not find out who I owed the money to and thus I had no one to pay. I tried for over three years to find who is holding the mortgage on my home and was unable to find them. A few years later I tried getting a loan on my home through XXXX XXXX, but they said I had a lien on the property for the loan on the windows. I was floored and now my property apparently is in foreclosure with a new company, Madison Management Services. I was getting help from them, but the lady who was helping me quit and the person who took over for her is incompetent. I can not get any traction on getting into a repayment plan and they have my home in foreclosure. My current income is sufficient enough to make payments on the loan and I want Madison Management Services to take a step back from foreclosure proceedings and initiate a proper review to resolve my mortgage issues. I was hoping that your agency would reach out to them to get them to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened the XXXX credit card to use on a recent vacation. after i got my first statement I realized the account had a annual fee of {$49.00}. I was very disapointed to get this fee when none of my other credit cards have annual fees. I contacted the bank requesting to waive the annual fee. to my surprise they declined my request. i am giving one last chance to have that annual fee waived at least for this time, before i am forced to closed all my Chase accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The Doctor 's office charged me for a broken appointment last XXXX. I had called and personally spoken to the receptionist and cancelled the appointment. She asked me why and I told her.

I have received bills from the Dr. 's office, the bill collection agency, and repeated phone calls about this bill.

I have written letters to the Dr.s office and the bill collection agency explaining what happened. I have made repeated phone calls to the Dr.s staff and the bill collection agency explaining that the appointment was cancelled and I should not be charged. Nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
i had a credit card with Cabelas. They change who services their cards to Capitol One. It was at the time of the change of providers my credit information was breached. Cabelas and Capital One are responsible for this breach. this has caused me to be inconvenienced by spending hours talking with Cap One, sending emails to the CFPB, overnighting the payment for the charges i owed, talking to the bank and social security. I have had to spend money on fraud protection and freeze my credit. My credit score has gone down because Cap One has sent me two new credit cards. one of which i never received. Have other people been affected during this change of providers? 

I also received an email from Social Security telling me someone tried to change the password on my social security account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XX/XX/18 Report # XXXX Errors Page 15 of 16 Under Notices XXXX XXXX XXXX XXXX is not a Retail Trade Business as stated by Experian. XXXX XXXX XXXX is a Residential Address.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied an Amex/XXXX credit card with the welcome bonus XXXX XXXX points. 
After I spending exceed the reward credit limit {$3000.00}. I didn't receive the points. 
I called Amex credit card customer service and was informed that my welcome bonus has been declined with no reason. I have been trying to contact them again but Amex is keep telling me to wait and even one guy said the points was declined by XXXX. After that I call XXXX 's customer service and was told that XXXX has no right to decline anything because the points should be given by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 page 15 of 16 Error as duplicate address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX as duplicate there is no need for duplicate address. this same pattern by Experian goes on and on. Please stop I have some hired to watch my report with wrong information and duplicate address.

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1.  My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses and another name IMMEDIATELY they are not accurate!

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was on vacation on XX/XX/XXXX and in a grocery store getting groceries. I pulled out what I thought was my bank debt card to pay for the groceries and to get {$100.00}, I accidentally used my Walmart Mastercard card and didn't realize it till after I made the transaction and the store said they couldn't cancel the transaction. When I returned home I made sure to pay more than my minimum due of {$170.00}, and actually made a {$1000.00} payment on XX/XX/XXXX ( 5 days after the accidental withdrawal ) so the extra would pay the higher interest cash advance fee on the Walmart card, and all other money I charged during my vacation. The higher interest and a {$2.00} fee keeps showing up on my statement for both statements following the accidental charge. I messaged Walmart on XX/XX/XXXX via my online account bill pay with them, the replied that I'd have to call or chat online to get the problem resolved. I chatted online with a customer rep and called via the phone tonight, XX/XX/XXXX, and was told by both that I must pay off my entire balance of {$5300.00} before they will stop charging me extra for the {$100.00} cash advance. Please assist me in resolving this issue with the Walmart Visa. Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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 — Their investigation did not fix an error on your report
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
Helvey and Associates are a collection agency claiming to have had a XXXX XXXX account referred to them for collections. They claim the date the account with XXXX XXXX first became dilinquint XX/XX/2015, and reported XX/XX/2015. The last XXXX XXXX account held in my name ended XX/XX/2015, and had been closed by myself, in good standing, knowing of my planned moving from that residence. When this account was first noticed on my credit report file, I began disputing the account, calling all 3 credit reporting agencies multiple times, and told to contact the original creditor, which I did. XXXX XXXX confirmed what was already known ; that my account was closed, in good standing, and the date it had been closed. When I informed them of the problem I had, and the inaccurate reporting, they had told me they could do nothing as they were not the ones reporting the information, they could not control what had reported, or continued to do so. I was told to dispute the account and XXXX XXXX could then report the account was in good standing and had never been sent to collections. Over the course of the last 2.5 years I have repeatedly disputed this account, and although I have never received a billing statement from XXXX XXXX or Helvey and Associates, or any proof of debt validation, the account continues to report as a very derogatory open collection account, and has very unfairly contributed to my inability to obtain loans, a mortgage, or credit in my own name. I do not know what else to do regarding this account and ask for help from the CFPB. I have recently submitted written request for method of verification of this account and have received nothing, as well as no response whatsoever from XXXX. The letters were sent by certified mail with signature request, and can be shown the dates and times they had arrived to the credit bureaus. It has been 15 days since receipt of these requests, and by law the account was to be deleted from my credit report file as a result, but still has not. I can not obtain a business loan or a mortgage until this or another inaccurate account has been deleted due to multiple inaccuracies, among other reasons. Hopefully with intervention from the CFPB, action will now be taken by the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation