vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was provided incorrect information by Nelnet regarding what benefits my student loans, that are in my father 's name, are eligible for. At the time of consolidation, we were told that the newly consolidated loan could be deferred if I were to pursue further education. This was very important in our decision to consolidate the loans as we had always planned to pursue further education ( Both my sister and myself are impacted by this. She also consolidated her loans post her graduation as well ). A couple months ago I had contacted Nelnet to discuss this topic along with switching the loans to income contingent repayment. During the multiple phone calls that took place during this day, I was told numerous things about my benefits from multiple people that contradicted each other. The end result was that I was told that I could not defer my student loans while being enrolled in school. This is a clear and blatant violation of the Dodd-Frank act. I was provided incorrect information that altered my decision making and in return has resulted in financial harm. To make matters worse, I was again told I could defer my student loans when I first complained about this violation to Nelnet. Then again, they told me this information was incorrect when I contacted them via phone. I have email evidence of this violation of the Dodd-Frank act that they committed. I have contacted Nelnet again about compensating me for this financial harm they have caused and they say they can not do anything and will not admit to wrong doing. Being that this is a violation of the Dodd-Frank act I believe I am not only correct about the issue but also entitled to compensation for the financial harm they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In response to Bank of America - claim number XXXX Please note that the documentation alleging a signature card with XXXX XXXX being identified as a sole proprietor is false and erroneous as the correct signature card ( attached ) which was a recorded part of the Motion to dissolve clearly shows the account was designated as an " S '' Corporation '' and any errors or omissions in entering a correct employer ID # s or other errors were the fault of the employees of BOA and their failure to properly obtain the correct ID # for the Corp. and their failure to properly enter the account as a Corp. account when it was CLEARLY designated as such does not constitute any mitigation of their responsibility for the losses incurred by the Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has allowed XXXX XXXX XXXX to delete, then reinsert a tradeline on my credit report without properly following the FCRA which states " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. '' The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. And they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. I have not received any written notification regarding the deletion and reinsertion of this account. This account has been disputed several times for not following the FCRA because this is not a valid account and I have signed no aggrement with XXXX XXXX XXXX that allows them to report this trade line on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We contacted Wells Fargo when my wife lost her job and become XXXX, in the hopes of being proactive to any money problems. They refused to work with us unless we defaulted. We explained we wanted to do the right thing but they offered no help. We kept up mortgage payments as long as possible and decided when we knew we could n't continue, to call the bank and tell them we would sell the house. They asked us to fill out hardship documents which we did, we received many letters asking for more information or claiming we were being reviewed. Ultimately it ended with them offering no help. We continued to try to get them to work with us to no avail. They avoided our phone calls/never returned them. Never responded to emails. We tried many times to get a payoff amount for the house so we could put it up for sale. After no communication from our numerous calls, we went to a local branch and tried to get help with them. We were looking for a payoff amount so we could sell the house. In the end they told us the bank manager put the letter in the vault. The employees insisted they could n't get the papers, only the manager could ... after a few phone calls/days, it turns out there were no papers for us. We finally got the house up for sale, it was up for sale for 90+ days and was not selling so we tried to do a Short Sale or Deed in Lieu. They kept changing our contact at the bank and still ignored our calls and emails. It was n't until we contacted an outside agency for a Short Sale that they finally responded/reacted. We got an offer on the house for approx {$4000.00} short of asking price and went into contract. The bank denied the offer claiming the seller wanted sellers assist and they cant do that. Within a week, they lowered the sale price by approx {$10000.00}. ( so ... .why deny the high offer? ) No sooner than they denied the offer, we got papers that we are back in foreclosure and have received several legal/court documents. Our Short Sale representative has also tried to work with the bank to no avail. In addition when she requested a deed in lieu they said we were ineligible even though I have several letters from the bank with them suggesting that route. I have a documented timeline of calls and letters. This is such a short version of the events. We have tried so hard to work with them and do the right thing. They do n't want to know anything other than foreclosing, they make all other options impossible.

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 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: NC

Complaint narrative:
XXXX   XXXX  , 2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX , NC   XXXX   Interstate Credit Collections   XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  Re : Acct #   XXXX   To Whom It May Concern : This letter is regarding account #  XXXX , which you claim I owe {$750.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I sent this same letter on   XXXX   XXXX  , 2017 certified with return signature, with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX /2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing a complaint about Portfolio Recovery Associates They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Portfolio Recovery Associates is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Portfolio needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX # XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CrossCheck, Inc.
State: TX

Complaint narrative:
CrossCheck XXXX XXXX XXXX XXXX Ca XXXX would not process a check thru their system when my elderly mother wrote one due to drivers license valid state. Well my elderly mother does not drive and has a Texas Valid ID card with no expiration date.
Why is their system not set up to process these types of transactions. That is age descrimination.
We were at an eye doctor when this transaction took place. I had the bank on the other line clearing the transaction and Cross check customer service called by the merchant and cross check could not comment on the transaction until it was submitted in writing. Well I did just that and got a response that it was due to no Drivers license.
This is wrong incorrect fair Credit reporting against the elderly. I hope you all contact them and have them correct this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
I used to have my mortgage through XXXX XXXX but KeyBank took over its operations last year. After the takeover, I did n't update my payment information for my online checking account. I made a payment on-time in XX/XX/XXXX ; however, my bank sent the check to KeyBank 's XXXX location ( where XXXX XXXX was headquartered ). KeyBank sent me a letter telling me payment was late. When I called to explain what happened, I was told to call my primary bank ( XXXX XXXX XXXX ) and order it to cancel the check. Thereafter, I had to issue a new check to Key Bank which I did right away. I asked the agent if a late fee would be assessed and he said he would look into it and note my request on the file. I said that I would n't think a late fee was fair as I obviously tried to pay on time and could document that effort. I have no other history of late payments. KeyBank ultimately did charge me a late fee of {$67.00}. I called on X/XX/17 asking to have this removed and was told that it would not be removed as I should have updated KeyBank 's payment information. I only made 1 payment late ( the payment at issue ) and am upset that given the error was because of a corporate takeover, the fee is not being waived. Because of this fee, I suspect I will not be able to get PMI waived when the mortgage value reaches 80 % ; I estimate this will cost me $ 1k - $ 2k.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I was mailed a judgement this weekend. The judgement was for a credit card I shared with my ex husband over 10 years ago. He agreed to pay this debt in our divorce. I have not received any collection notificAtions or a summons to court in regards to this matter. I was simply served a judgement. The account is so old it does n't even show on my credit report so I can obtain the date the card was closed. It is far beyond the statute of collections as per the California site I looked into. I am not sure how they can enter a judgement without my presence or notification on a debt so old I ca n't even get information regarding it 's validity. For all I know my ex husband paid it years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CB1, Inc.
State: MT

Complaint narrative:
i find it funny the last time i called them i was told they didnt have a current address and was getting returned mail but never called. but today i was told by the manager that they had my current address on file for awhile ... so please tell me why you were send to the wrong address on file and not the current one. i feel like you have tried to push a suite that i was calling on and trying to make sure you had everything you needed sorry my hoouse was condemned not my fault at all - i have gone into debt for this happening and i am sueing submit for this. this is very rude to send to the wrong address so you could sue someone for more money - the law is i dont have to pay you what you ask for - i was never offered any thing nor received anything from you. you are a very sneaky company and now that i know you have all my current information and have this whole time ... serve me right. all if is funny that the response to my last claim is send to the name of my husband ... so i dont know who you are collecting on but you sent it to me for my debit. if you are trying to collect on my husband you will need to mail him a notice - cause we have no clue whonm this debit is for. this is to nasty ... your a horrible company that has no heart for other nor follows the laws or rules for your company with lies over and over which i have proof of everything that has been said to me and your manager even stated when i call the first time it was not even filed yet was just filed so i was threathed suite last complaint and you have not even filed it ... i was at work on all these calls so they are recorded and can be used for court as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I had informed First National Bank of Omaha in the month of XX/XX/XXXX that i had been taken off work due to a XXXX XXXX i contacted from a XXXX. The representative stated I would receive a letter with a form for hardship. Time passed as my health declined i was transitioned to XXXX XXXX for care. Now over a year later i attempted to buy my XXXX this current month of XX/XX/XXXX and found a levy placed on my bank account that was now at XXXX dollars from my XXXX check as well as a hold on my moms safe deposit box. They had filed suit at the XXXX court with a judgement for {$5200.00}.

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 2017-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
XX/XX/XXXX, I received, from ANDREU, PALMA, LAVIN & SOLID, PLLC, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was ten years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only ten years old in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 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: CO

Complaint narrative:
On X/XX/2017 I emailed a letter to equifax along with the various other reporting. Equifax is the one agency in particular I am having the problem with. I have only recently received an email response from them. The email sends me to a website to but I ca n't access anything on it because the page is an error page. I have tried called Equifax and they just seem to want to run around in circles.
The problem I am having is on my credit report Equifax has mixed up my information and my sisters. They ca n't seem to separate the two of us. They ask me to verify her information but I ca n't its not mine to verify. My sister 's name and social security number and her loans are listed on my credit report. She recently finished a XXXX which shows up with all of her loans on my account. Once I realized this problem. I contacted each loaning agency. I called to verify with each account that I was not listed as a holder of that account by my social security number and name or as a co-signer for my sister. Each vendor verifed this information but Equifax does n't seem to be able to make these changes. They are acting like a dishonest and lazy company.
All companies and the specific issues on my credit report are listed on the credit report and the letter submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Maximization Group, Inc.
State: NJ

Complaint narrative:
This debt was paid by my insurance

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