vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 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: CA

Complaint narrative:
I received an e-mail from XXXX, the servicer, on XXXX/XXXX/XXXX. I logged into my account to read the message and observed that the site listed my current payment as past due. I contacted XXXX chat support the same day and inquired as to why my payment did not post on time. I explained that I have been subscribed for automatic debits for well over a year and I have not made any changes to my accounts. 

The representative, XXXX, explained that it was not my fault or their fault. He explained that " Your due date was on the weekend, and payments are only process on business days ( Monday-Friday ). It takes 2-3 full business days to process auto debit payments. Your payment will be effective on XXXX/XXXX/XXXX, and should be visible on your account by XXXX/XXXX/XXXX. No late fees, or negative credit reporting will occur because of this issue. '' I inquired as to whether the company would continue to list this as a past due payment on my account. The representative said " Your payment will appear to be 3 days late, but that will not be reported to your credit, and is a non-issue once the payment is processed. '' Unfortunately, the claim that this is a non-issue is false. Records of my payment history can be required for future financial applications. Potential loan refinance offers may be contingent on perfect on-time payment history. There are other circumstances where it is plausible that this " late payment '' can cause me harm. Yet, the company claims there is no mechanism to reverse the status on my account to reflect their responsibility for this situation. The representative explained that, if I wish to prevent this in the future, I need to end my auto debit plan and make manual payments. 

I contend that, if this company offers an auto debit service through their site, they have a legal responsibility to conduct their debits in a way that does not occasionally but permanently tarnish my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I signed up for the {$1.00} trial of Experian Credit monitoring membership. I did not cancel my subscription in time and they began charging me {$29.00} per month. My fault for not canceling, but I never authorized the additional charges. To make matters worse, they make it basically impossible to cancel service. I have called them 4 times, each time holding from 1 1/2 to 2 1/2 hours and they continue charging me. 
This company is a complete SCAM.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XX/XX/XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XX/XX/XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.

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 2017-12-27 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
On XX/XX/XXXX my lease account with First Bank in Puerto Rico was paid in full. On XX/XX/XXXX the  account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to First Bank with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with First bank with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with First bank was performed today, XX/XX/XXXX,  with XXXX XXXX at XXXX from First Bank and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have sent 5 certified letters to Experian, which were accepted by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX requesting all the information in my credit file and anything in my file that was incomplete or unverified either needed to be completed, corrected or deleted. they have done none of the things as required by law under the free credit reporting act. there is an account that they are reporting as open that has been closed for over 2 years. there are multiple accounts on my report that are missing payments. I asked that these payments be verified and added or delete the file, this has also not happened through repeated inquiries.

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 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX my credit card was declined. I called Capital One onXX/XX/XXXXto inquire and was told that the additional checking account that I added raised a flag and the account was now restricted due to fraud. I have Power of Attorney of my fathers bank account and added it to manage his affairs. I explained to this to Capital One and they sent me a link to upload bank statements verifying the account owners. Someone would contact me within 72 hours of receipt. 

On XX/XX/XXXXI sent the requested documents and a letter from my fathers bank indicating that I am the Attorney-in-Fact and I 'm authorized to use his account. I also included the case number and my contact number on each document. 

On XX/XX/XXXX I called to check the status of my account to no avail. Capital One indicated they had the statements and someone would reach out to me within 72 hours. 

OnXX/XX/XXXX I called to check the status and was told that because I blackened out the balances and deposit amounts, the documents were invalid. I now needed to send in voided checks. I sent in the voided checks for each account and was told that they needed to verbally speak with my father. I informed them that he is in the hospital and can not speak but I have his Power of Attorney. The manager insisted that they had to speak with him. 

I called back later in the day to speak with someone on the Executive Customer Service Team and spoke with XXXX, a Capital One Fraud Specialist. She indicated that I needed to submit the Power of Attorney documents to Capital One for review. No one could tell my why this was not requested initially. I have submitted the Power of Attorney document and still waiting on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I ran a credit report in XXXX and this debt did not appear ... .9 months later in XXXX ran another credit report and this debt from XXXX XXXX have appeared. This claims to be a debt from XXXX for XXXX. I have been a XXXX XXXX customer since XXXX. I did not receive notice nor any information validating the debt. I have had no contract with XXXX. This is not my debt and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC
State: PA

Complaint narrative:
i took a loan for XXXX XXXX dollars after I got the payoff schedule which was different than what it was, I already had paid {$400.00}, I called for my balance for payoff and the balance was over {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
At the end of XXXX XXXX XXXX XXXX began harassing me at my place of work stating they were going to send a process server to my work, giving me the option to stop it, they threatened my co-workers that they must get in touch with me as it was an important legal matter several times. I filed a complaint against them in XXXX of XXXX as they got progressively worse. When I would call them, they wanted information I was not willing to give out over the phone ( DOB, SS # ... ). I did find out it was in regards to an old HSBC account that had been charged off well over 9 years ago. I called HSBC to confirm. The woman I spoke with there urged me to reach out to the Attorney General, who then in turn asked me to file with CFPB, based on their actions. The original complaint I filed was # XXXX and not able to be followed up on. Today,XX/XX/XXXX, XXXX from XXXX XXXX XXXX , contacted my work, asking for the nurse manager by name. He asked information about me, and she was told that they want to serve papers to me and asked if I worked here and asked to confirm the address here. She declined and asked for a call back # and said she did not believe that it was a legitimate call. He assured it it was and said if I want to stop this action I better call and gave a case # to her to give to me. When I called him back he was rude, said I knew exactly what this call was about and when I told him I did not know, he said I was lying. He got loud accused me of not paying my bills and expect to be sued. I asked him what for and he told me the same HSBC account and then said expect to be sued, when I tried to explain the information I had, he got louder told me the company has only been there for 6 months, it was his cousin 's law firm and told me not to call his law firm again and hung up on me. I am concerned as this company is out of California and my SS # & identity were stolen filing taxes with the IRS in California about 4 years ago. Please assist. Not sure where else to go with this. I just want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I refinanced my home XX/XX/XXXX and was told by my mortgage company, Nationstar mortgage who has since changed names to Mr. Cooper, that the mortgage insurance, which was XXXX / month, would be removed since criteria had been met. Fast forward to XX/XX/XXXX and realized I have been paying mortgage insurance all along. I contacted Nationstar on XX/XX/XXXX and XX/XX/XXXX, specifically the PMI (private mortgage insurance) department, and spoke with XXXX and he stated he was going to send everything to the AVP (not sure what this department is) team to look over this issue and then he would call me back by XX/XX/XXXX. I never received a call back. On XX/XX/XXXX, I contacted the PMI department again, but this time spoke with XXXX and she said she would have her manager contact me by the end of the day to discuss my issue. I never received a call back. On XX/XX/XXXX, I mailed a letter and copies of all of my refinancing papers that clearly show that the mortgage insurance was not included and sent this by certified mail. Early XX/XX/XXXX, I received a letter from Nationstar, dated XX/XX/XXXX, stating that they are aware of the problem and acknowledged that the mortgage insurance was not a requirement and should have been removed. The mortgage insurance was finally removed by XX/XX/XXXX. Nationstar stated in the letter that they are working with the "prior lender" to collect the refunds to send to me. This was the last correspondence on their part. Nationstar was my mortgage company when I refinanced in XX/XX/XXXX so I'm a little confused by who they are meaning by "prior lender". The letter is signed by XXXX XXXX, Customer Relations Specialist, with a phone number of XXXX and email XXXX. I have called and left voicemails to her phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I emailed her on XX/XX/XXXX. I have never received a call or email back. I called on XX/XX/XXXX and spoke with XXXX in the PMI department and he stated he would send an email to the other side of the PMI department for review and he told me it would take up to 24-48 hours. I still have not received any correspondence from this company. I am due, to my calculations and not including interest, XXXXXXXX. I would like this resolved sooner than later and I appreciate any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
My mom applied for student loans from Sallie Mae when I started college in XX/XX/XXXX. I had no idea how to address paying for college or what applying for a loan entailed, so she took care of that. I just graduated in XX/XX/XXXX and my loans are about to be in repayment. I was just handed my password to the account and saw that interest has been acquiring the whole time on twelve different student loans. I have called Sallie Mae on multiple occasions asking if I can consolidate my 12 student  loans or if they had any income driven repayment programs. They repeatedly informed me that neither were possible and that I should try reaching out to my cosigner. They keep encouraging forbearance, but that is only going to be a short-term fix. They want me to pay over {$1500.00} a month and I only make XXXX a year. The interest rates on my TWELVE different loans range from 9 % to 11 %. They are offering no realistic options and I ca n't afford any of the options that they are giving me. 
They are the most unhelpful company I have ever encountered and I am going through a financial hardship because of them and their lack of help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: GA

Complaint narrative:
I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the XXXX XXXX XXXX at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to Experian, XXXX nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that Experian provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!

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 2017-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We did a modification on our mortgage almost a year ago now & have not been late or missed a payment. We now have a charge on our mortgage statement of {$330.00} XXXX of what they are calling lender paid fees but no explanation of what those fees are for or who exactly they paid. Our mortgage statement shuts that they will not accept another mortgage payment until we pay this fee first. We have tried to contact them, only to be put on eternal hold and were given the option to press 1 for a return phone call, which we did, but still no returned call. I dont see how this is legal for them to access a fee out of the blue with no detailed disclosure of who they paid the fees to or what they are for & now refusing to take our next mortgage payment until we pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2017, $XXXX was transferred from my checking account with Wells Fargo without my authorization. The bank refuses to take responsibility for the unauthorized transaction and concluded that an investigation was not necessary. I have tried to resolve this with Wells Fargo, but have not been able to get anywhere with them.

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 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA IS CLOSING MY BANK ACCOUNT IN RETALIATION FOR A COMPLAINT I FILED WITH THE CFPB REGARDING A DISPUTE OVER A CHARGE I FILED. THIS IS DISCRIMATORY AND PREJUDICIAL AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND ILLEGAL BUSINESS PRACTICES AND THIS IS UNFAIR TO ME AS A VETERAN NAD A CUSTOMER AND I WOULD LIKE TO HAVE THE MATTER INVESTIGATED IMMEDATELY.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Have written XXXX letters on XXXX, XXXX, XXXX and informed them that I am a victim of XXXX, Experian XXXX XXXX security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries that were resulted from the breach are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief