vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 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: Nelnet, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent specific payment instructions to Nelnet : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. '' On XX/XX/XXXX, when checking my account I noticed that loan group F had accrued a larger than normal amount of interest : {$260.00}. Even though I was making my monthly minimum payments and occasionally making extra payments toward group F. After making an extra payment of {$500.00} on XX/XX/XXXX my due date was advanced. 

It is criminal, and infuriating that I accrued extra interest because Nelnet did not process my payment instructions. My goal is to pay my loans off early and avoid gaining extra interest by doing so. My instructions were sent to serve that purpose. Nelnet did not follow my instructions and now I owe more interest, in spite of making early payments in order to pay my accounts of early. Nelnet should be held liable for reducing my owed interest amount because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: OH

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I was contacted by a new student loan servicer to complete a re-verification for student loan repayment. Prior to this my loan was serviced by another company, I had never heard of Nelnet. I am on the Income Driven Repayment plan. After going over the information on the phone, they lady at NelNet said that my payment would continue to be {$0.00} ( this made sense because my wife has student loans through XXXX and her payment was also continuing to be {$0.00} and we both had to re-verify at the same time of year ) I was sent paperwork in the mail to sign and return, which I did. I did not receive any further communication from Nelnet. 

In XX/XX/XXXX I applied for an auto loan. The lender told me my credit score was XXXX ( it had been in the mid- high 600 's ) I was shocked. I asked how on earth that was possible. They said that Nelnet had reported 42 missed payments on my credit report. 

I pulled my credit report and verified that this was true. I contacted Nelnet. They stated that I do not have 1 loan ( which is how this had always been reported before ) but 14 smaller loans. These 14 loans had been reported as never being paid since XX/XX/XXXX but only once they had become 90 days or more past due. I had no idea I owed anything. Since my wife and my income are the same and we both filed the same paperwork, why would one servicer charge a payment and the other servicer not charge a payment? 
Nelnet refused to even consider that they had made a mistake. They admitted there was no correspondence but said they had tried to call - this is false - they did not ever try to call. 
My credit is ruined, it will take years to undo the damages caused by this company. We can clearly prove they are incorrect but it does not matter to them. We made the {$23.00} payment they wanted for the past 6 months today to try to repair as much as we can. We have filed to have all of our loans serviced by XXXX. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: CO

Complaint narrative:
XXXX is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and XXXX just " confirms '' the information. I have written and called XXXX several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.

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 2019-03-30 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: TX

Complaint narrative:
They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is Experian credit reporting

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 2019-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Received a loan from Amplify Funding on XX/XX/XXXX for {$850.00}. In early XXXX I suffered some financial problems and emailed them about stopping my ACH authorization and modifying my loan. At this point I had paid them back the {$850.00} I borrowed plus an extra {$610.00} in interest. They claim to be a tribal lender although they keep filing under other names. They are not licensed in the state of Florida where I live and received this loan. They are trying to receive another {$1700.00} with an interest of 465 % which is a criminal violation of FL usury laws. They sent me to a collection agency called XXXX XXXX and they called me at my workplace. I explained to XXXX that I will not be paying anymore money to Amplify due to my state laws and that I have already paid them more than is required in my state. Most places will only pay them back the principal that was given but they are already made double their money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Continued calling daily 4-5x 's even on Saturday & Sunday from 2 different numbers regarding a {$51.00} balance as early as XXXX, spoke with rep on a Sunday who stated agency has a right to call. I informed rep of the FDCPA the calls stopped for that day. The following week the calls came in every 3hrs.

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 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
About five minutes ago, I called Experian to report previously-reported inaccurate information. After being on hold for 27 minutes, the representative answered. I conveyed that I wanted to dispute information reporting incorrectly and advised that I was on a recorded line, the representative stated that she did not consent to the recording. I, the consumer, in turn conveyed that I did not consent to being recorded. 

I told the representative to hold on ( so that I could stop the recording and continue the call un-recorded ) and the representative said, " thank you for calling Experian '' and hung up on me. 

I never did get to make my dispute for the inaccurate information. The report number I gave her was 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 non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I booked an XXXX stay from XX/XX/XXXX to XX/XX/XXXX, and canceled the reservation with the host agreeing to provide a refund. Unfortunately, I haven't received a refund or statement credit, so I filed a dispute with Bank of America. 

Bank of America provided a credit on XX/XX/XXXX, and said it would be permanent if the merchant didn't respond in 60 days. I receive a letter in the mail on XX/XX/XXXX, more than 60 days after the dispute was filed, asking me to send additional information with a XX/XX/XXXX deadline. 

I send additional information and am told the claim is closed because I didn't meet the deadline. I keep calling back and finally convince someone to extend the deadline, but after sending in all my information, I am told the bank considers the claim closed and won't consider my side. At every step of the dispute, Bank of America has either changed the timeline or provided unfair deadlines.

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 2019-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX '', Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer or check request ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have asked HRRQ 2-3 times now via the CFPB to stop calling yet they continue to call me post-revocation of consent and are using automated pre-recorded messages. I HAVE ASKED 3 TIMES NOW FOR THEIR COMPLIANCE OFFICER TO REACH OUT TO MY AUTHORIZED REPRESENTATIVE XXXX XXXX AND HAVE GOTTEN NO RESPONSE OVER 60+ DAYS NOW. 

CONTACT XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX 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 2019-03-30 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: Weinstein & Riley, P.S.
State: TX

Complaint narrative:
Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to XXXX XXXX ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and XXXX also provided a phone number XXXX. I called this number which is Weinstein & Riley law firm the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a XXXX credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a problem with two banks in this instance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX On XX/XX/2019 I went to my bank Branch, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, MN XXXX, for closing on my HELOC loan. I was to use some of the money to pay off credit card debts. When I got there, the bank and used my credit report to obtain pay off balances ( which were out of date and incorrect ) for my 5 credit cards. They had issued cashiers checks and were going to XXXX XXXX  the payments to the accounts to pay off the balances. 

One of the pays offs my XXXX XXXX XXXX account. ( XXXX XXXX, last four numbers XXXX ) XXXX XXXX issued a cashiers check for {$800.00} ( the correct pay off balance was {$780.00} ). The mailed the check to a location in XXXX XXXX California. Two weeks later, I checked on these account to see that the payments had been received. On XX/XX/XXXX, I noticed that the payment to XXXX had not been credited. I phoned XXXX and they instructed me to check with XXXX XXXX, obtain a photocopy of the pay off and proof of receipt and to fax it to them. We did that on XX/XX/XXXX. 

On XX/XX/XXXX, I phone XXXX  again because the balance continued to remain outstanding. They said they had no record of the check. On XX/XX/XXXX, I went to XXXX XXXX to attempt to solve the issue with XXXX XXXX. We phoned XXXX and was told they would " escalate '' the matter and it would be resolved in 7-10 business days. 

To date, I continue to contact XXXX Customer Service on a weekly basis, and am told exactly the same thing ... the matter has been " escalated ''. 

The cashiers check was received and deposited into XXXX XXXX account on XX/XX/XXXX. We have proof of receipt and it is endorsed. So Citibank ( who is the owner of this account ) has received the check, deposited the check, but claims they can not find it. My account is still outstanding. 

I have written to XXXX Customer Services, Phoned them 17 times, called the Executives at XXXX on 7 occasions and left messages. Written to the XXXX XXXX XXXX, and called every customer services number I can find to no avail in this matter. 

I also have attempted to resolve this matter through XXXX. XXXX. I have called over 10 times my branch, and the XXXX XXXX customer service line and each time I am told they will look into it and get back to me and they don't. 

I took out a Home Equity Line of Credit to Eliminate debt and instead I have accrued more debt. I am extremely unhappy with the customer service I have received from both banks.

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 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019 I paid off my entire balance with Capitol One credit cards. Two weeks later Capitol One credit Charged me XXXX in interest on a balance I already paid off. I called them on XX/XX/XXXX to complain about the charge. They would not remove it. In fact, they were hoping I would miss the payment so they could assess me a XXXX fee. In essence, they could not only charge me interest on the XXXX but also charge me the fee and add interest to that. When I pay a balance in full I assume I am done paying. The first customer service representative I spoke with hung up on me after I requested a manager. I called back and got a Manager named XXXX. He would not give me his last name. He told me his ID number is XXXX XXXX. He would not remove the interest charge. This is a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I receive about 3 calls a day. Today I received a call at XXXX XXXX, XXXX XXXX, and XXXX XXXX  which wasn't even 2 hours apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: KY

Complaint narrative:
I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XXXX {$67000.00} XXXX XXXX   XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX Credit Card XXXX {$1500.00} XXXX/XXXX XXXX {$800.00} XXXX/XXXX XXXX {$620.00} XXXX XXXX XXXX/XXXX  XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00} Us department of education XXXX {$1200.00} Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX ( yes2times ) XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX {$450.00} Public record : Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I wanted to place a credit freeze on my account so I created myEquifax account & also created accounts with XXXX and XXXX on XX/XX/2019. I was able to place security freeze online with XXXX and XXXX but not with Equifax. When I clicked on " Place or Manage a Freeze '' in myEquifax account, it said " We're sorry. We can't process your Equifax security freeze request online, because we need additional address or identification information. To help us process your request, please click here to see instructions and a link to required information. ". 

I gave them a call next day on XX/XX/2019, and they asked me verification questions like mortgage amount, old mortgage amount, monthly credit card payment which varies from month to month and then the person on the phone said they are not able to verify my information and I'll have to fax them. It's very inconvenient & frustrating to fax my personal information. I expect Equifax to be able to verify my identity through phone or online like other credit reporting agencies or other US financial companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: OH

Complaint narrative:
In XXXX we paid XXXX to wells Fargo dealer services. Wells Fargo sent us a letter saying the funds were returned. I knew they were fine because I have that account staying st XXXX at all times. That is account i used.. Anyway wells Fargo had me fax in my bank statements. Even after i proved it to wells Fargo they said they could not find the money. How can you lose XXXX??? Well 2 1/2 months later they found it applied to my intrest. It made me 90 days late on my credit report. Im in middle of buying a house. I already sold mine. I don't have any living family members and we have to go to a hotel. All because wells Fargo dealer services. All i want them to do is fix 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 explanation