vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Today is XX/XX/2018. I am requesting that Nelnet pick one day out of the month of XX/XX/2018, Where we can meet up in location in XXXX of my choice. I requesting that Nelnet bring original promissory note you claim I sign with XXXX XXXX. I will have document examination expert look at this promissory note. I will able to prove that you ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) Putting false information my credit report. ( 3 ) Using Forgery ( 4 ) You are discriminate against because I am XXXX. ( 5 ) also you will be in possessing of forged note. ( 6 ) You are using false counterfeit promise note. 
If you do not pick day out of XX/XX/2018, I will assume that you trying use counterfeit promissory note to collect a debt from me. 
I will like invite someone from Consumer Financial Protection Bureau, someone from Attorney General of Florida, to come to meeting with me and Nelnet where we look over original promissory note. 
If Nelnet do not pick day in XXXX of 2018, I will assume that you do have original promissory note, you do not have proof that this is my debt, that you are trying use a counterfeit promissory note to try to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2018, I disputed for the second time, a collection account with XXXX and Experian   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by Experian, but XXXX reported it " Verified/Updated ''. On XX/XX/2018 I notified XXXX XXXX of the inaccuracy found by Experian and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from XXXX, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with Experian. On the same dates as above, I disputed XXXX XXXX account with XXXX  and Experian. XXXX XXXX responded the account was unverified and deleted it. When I notified Experian of XXXX XXXX findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.

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 2018-07-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax customer service are unable to locate my file based on true and accurate information provided on my part. This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
In XXXX of 2018, I was sent a preauthorized check from Tower Loan for the amount of {$1200.00}. At the bottom of the page, it clearly stated that the amount I would have paid back was {$1400.00}. On the back of the paper with the disclosures, it clearly stated that no insurance was being sold in connection with the loan. When it came time to pay the loan back, Tower Loan called me and said I was approved for an additional {$500.00} to this loan. I did not contact them. I agreed and when I went to sign, they treated me very poorly. Then, next thing I know, they started demanding that owe them {$4200.00}, stating I had signed off on all these insurances I never Asked for or agreed to. I have been harassed relentlessly, and I Do not owe them for charges I never agreed to, especially when it clearly stated on the original loan document, that no Insurance was being sold with then loan. These people are bullies, and have called me at work, at home after XXXX XXXX, and have still contacted me after we went to litigation.

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 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I received a pre paid card from my employer in the amount of {$25.00} around XX/XX/XXXX. The card has a valid through date of XX/XX/XXXX. I called to get a replacement, and the XXXX   wanted a {$15.00} fee to replace the card! That's 60 % of the value of the card. I called to have them waive the fee and send me a replacement and they refused. The card even says on the front that the 'FUNDS DO NOT EXPIRE '. This is unacceptable that they would charge a fee, and to think they can get away with charging XXXX dollars to replace it is even worse. 

I also had another card which still had {$6.00} which they refused to replace it as it was below the {$15.00} amount they would charge as a fee to replace it. This is practically stealing my money. This second card was given to me in XX/XX/XXXX and has a valid through date of XX/XX/XXXX. This second card also has the 'FUNDS DO NOT EXPIRE ' clearly on the front of the card. This is extremely misleading and leads you to believe getting a replacement card will be absolutely no problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I received a letter on XX/XX/18 that I owed {$670.00} to a XXXX company. I had no idea what this was until I XXXX the name. Its a satellite internet company. The address on the letter was not my address and I have never had satellite internet where I live. I then sent a debt validatation letter through certified mail on XX/XX/18 with a return receipt that was accepted on XX/XX/18. I still have not heard anything and we are in the end of XXXX. I am concerned because this is not my debt and this company refuses to give me proof. From the laws and speaking to my attorney they had 30 days to respond. It has almost been 90 with no  response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
on XX/XX/XXXX, my son received a beating at the hands of a bunch of XXXX kids off campus because he wandered into their territory. Hospital stay, concussion, contusions, etc eventually resulted in him having XXXX. I guess this caused him to forget that he needed to change his autopay arrangements with his student loan. So, Sallie Mae came a calling when the account debit failed. I called them proactively in the morning of XX/XX/XXXX and explained that we will be making arrangements, but not to expect a payment until Tuesday XX/XX/XXXX. Almost immediately after hanging up, I proceeded to get multiple robodials calling me about the same situation. 

I used to manage a collections application for XXXX. I know the law. They are not allowed to contact more than one time a day. That is harassment. I explained that to the rep, and she proceeded to try and correct me. I'm like I had an application for 3,000 collection reps in 8 call centers in 3 countries. Don't tell me that it isn't against the law to call multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX  ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. Equifax, XXXX  both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX XXXX does not do student loans. I explained this to Equifax and XXXX  but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Ditech Financial LLC called me on my personal cell phone looking for my mother. My number is with a private carrier and is unlisted. It is also on the do not call registry. My mother nor any other person gave them my number. They are harassing my XXXX XXXX XXXX mother for a debit that is past the time when they can expect to even collect. The letter they send her even state this. But they called me making threats to take my mothers home away from her, stated they might even be able to put a lien on my house, and intimidating tones. I asked them how they got my number and they refused to tell me. I also asked them to get on the speaker phone with my mother so she could tell them not to call me anymore. They refused to. I asked that they send all documentation in regard to the matter with the originating loan company and anytime it had changed hands. The man hung up on us. They continue to to harass my mother even though she has told them repeatedly to stop calling her. I do not have a specific date they called me as my call log in my phone was wiped accidentally. It was between XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX Bank ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. XXXX, Experian both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX Bank does not do student loans. I explained this to XXXX and Experian but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am complaining for the second time about the same issue : the Chase XXXX XXXX ( being marketing as a premier travel card ). Again, I discovered no auto payment was taken out. Again, I directly called customer service and was told I was OK - no payment due because my credits exceeded my purchases for the month. But this was precisely what caused Chase to threaten cancellation of my card prior. This time -aware of this issue I inquired directly again to customer support " Do I owe anything ''. The response a full 5 minutes later - after manual calculations on their end - was that nothing was owed. Again, looking online at my account, it is impossible to ascertain exactly the timing of credits and purchases to see if my credits are over my purchases for a particular time period. So Chase 's prior suggestions saying that a consumer should do that - is impossible as the online system does not provide the cycle timing to be able to compute this. In short, the consumer MUST rely on Customer service to tell them if a payment is due when the AutoPay has not gone through. Given that the purpose of utilizing AutoPay is to cover all payments due - Chase is putting consumers in an untenable position. It's not possible to tell exactly what is due because of the way they provide information online and their Customer Service people are responding with 'nothing is due. '' Secondly, again, as the card is being marketing as a premier travel card - sending notification via paper of card in errors - is disingenuous. They can do this of course, but if the consumer has elected email notifications - precisely because they travel - then the company is best advised to provide notifications in duplicate or triplicate or however they wish but certainly in the manner the frequent traveler has requested. Bottomline - Chase appears to be " tricking '' the customer into non-payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Complaint about Accounts With a Negative Pay Status I never had the XXXX service and wanted to dispute it called collections SW Credit Systems to have it removed. 
I came to the terms with them that if I pay this debt they will erase it off my credit. I never purchased the service and never had an account with XXXX. I assume this would be the easiest way to solve the problem as I was told by SW Credit Systems. 
I paid the balance and SW marked the debt as paid and left me with a Negative pay status. Instead of what the representative promised to remove it completely. 

Company complaint about of a fraudulent XXXX bill. 
South West Reference Number # XXXX XXXX credit systems XXXX XXXX XXXX XXXX TX XXXX People involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts With a Negative Pay Status LENDERTYPEBALANCE Southwest Credit Sys ... 
CollectionsCOLLECTION/CHARGEOFFOther {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Amount Past Due Not Reported Account Details Bureau Name SW CRDT SYS Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XX/XX/XXXX Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
XX/XX/2018 was told I owed XXXX XXXX {$33.00} due to an old account when i called. When you go to their website and enter the reference number it says no record was found. So the gal that was extremely aggressive said if i dont pay with a debit or check over the phone my credit would be damaged and they will come after me. For {$33.00} come on I'll pay it but if your website is showing no reference then I am not comfortable giving someone my check info over the phone.

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 2018-07-28 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 — Their investigation did not fix an error on your report
Company: Security Credit Services, LLC
State: OK

Complaint narrative:
I filed an credit verification request pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ) regarding an debt that is claimed to be mine. The company responded with information that belonged to a XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for XXXX XXXX, XXXX. It also included their banking information. The verification also included an explanation of Calculation of Surplus or Deficiency for an XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The company didn't comply with the law and my request but instead sent other people documents which is an big problem due recent identity thefts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called to close my account and recieve a closure notice by email on a friday. I was informed they could not email me the closure notice. They told me they didnt have email access.. I asked to speak with a supervisor. And he also informed me they did not have email ... Which is wierd seeing they are a credit card company. And the 2 other cards i closed before this did it for me immediately. With no hassel. I then got a call the following tuesday saying they would send me out a email and they were sorry. Then this saturday i got a call again from them. They stated my card was not closed and they could not email this info to me because thier email wasnt working.. I asked how they responded to my XXXX   complaint through email if they could not do this for me.. They told me it was a format issue.. After i had caught them in a lie .they continued the lie telling more trying to cover up thier bad bussiness practices. 
For a bank this size not to have a email system for over a week and not close my accoumt when asked is totally unacceptable. It was clearly a lie and a manipulative ploy on thier behalf to not close my acvoumt and make it as difficult as possible for me. The person i spoke with said her name was : XXXX at phone numer XXXX XXXX XXXX ext XXXX. 
I would lile a email from them comming clean about thier lie of not having email access. And an appology for wasting my time and delaying my refi of my home. 
I would never do bussiness with this company ever again. 
Beware to future card holders. I hope this helps some one in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I wrote all 3 Credit Burrows 100 times sent 3 forms of ID and the Credit Burrow Never Responded All The Credit Burrow are making Humane morgue hearts in Nuclear Reactors 100 % Only thing people can do is ask the computer two Send some Nuclear Missle is the only way two Stop the Federal Government Putting are humane morgue hearts in Nuclear Reactors The federal Government hunt me 45 years fore XXXX Hamburgers

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