vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
I called the agency in XX/XX/XXXXand had payments deferred on the account as I had lost my job with my employer. In XX/XX/XXXX I noticed that late payments were being reported and contacted the agency again. When I spoke with them they stated that they were fix the late payment records to reflect them being deferred. As of now I show late payments for XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
on XX/XX/2019 i called wells fargo XXXX XXXX XXXX credit card customer service i talked to XXXX at phone number XXXX i told him that on XX/XX/2019 a credit card balance refund of {$25.00} was subtracted from my credit card balance.I did not receive a refund in the form of a refund check or statement credit.All he responded was i did and never explained to me in what form of payment did i receive.Wells Fargo owes me {$25.00} and i request a refund check of that amount

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 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan had been serviced by XXXX XXXX for 16 years. It was then assigned to Nel Net. When asked XXXX XXXX for a simple repayment schedule going forward, I was informed that information was not transferred with the assignment, and my requesting that info from them may re-open the repayment schedule and terms of repayment. I then informed them this not only baffling but perhaps legally actionable on simple assignment theory, as a legal transfer can't increase the burden of the obligor 's burden to perform. For their part, XXXX XXXX informed me they are unable provide me a repayment schedule because the loans was assigned. Please advise what I can do to obtain a repayment schedule on my existing terms. Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The amount that the company says that I owe is incorrect. The amount owed is {$4200.00}. I requested that Santandar come to get the vehicle as I was not able to continue paying for it. This company have fraudulently represented themselves and refused to send over the agreed-upon original contract for me to review, in fear of a legal proceeding. Additionally, the company charged the vehicle off, therefore, I can not be behind in any car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonded Business Services, Ltd.
State: CO

Complaint narrative:
Called and paid off full balance once I found the issue on my credit report as I had received no communication showing that I had a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I issued a check on XX/XX/XXXX for the amount of XXXX for the full statement balance and mailed this with the provided envelope with my statement. 

For the second month in a row the payment was not applied and I was charged a late fee. 

This card was for a sams club account. The number on the card is XXXX valid through XX/XX/XXXX where I have been a card member since XX/XX/XXXX. 

Customer service agent wasn't able to do anything to help me with this issue so I asked her to close the account as it seems Synchrony Bank is purposefully not applying our payments so we incur late fees.

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
Called and paid off full balance once I found the issue on my credit report as I had received no communication showing that I had a balance owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed several inaccurate accounts on my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed several inaccurate accounts on my consumer 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
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Around the end of XX/XX/2019, After the first representative called me, I explained my situation and how I became a dislocated worker. He mentioned that I had a perfect payment history before this situation so he called he was calling to see how he can help. After hearing my story, he agreed that there wasn't anything he can do to help me and I told him that once I get my finances back in order I will continue my payments. I also mentioned to him that I only really get enough to pay rent and not enough to pay my minimums. He said he understood and I told him that I will get it together once I get a job and i also mentioned that I do not wish to be contacted again because it's nothing that they can actually do to help me. He said he understands and that was the end of the call. So about two weeks later, I started to receive more calls so after I became annoyed by the constant calling, I asked another one of the calls and told the agent that I already spoke to a woman and explained to her that I already spoke to an agent about it and i did not want to be contacted again it. So after a few more harrassment, I answered and told the man to not contact me again and the this was harrassment. He assured me that they would not contact me again. So after a few weeks went past, I started receiving about 5 calls a day so I eventually blocked the number, so they started calling me from different numbers which I all blocked. They even started calling me on Sunday and Saturdays, which I know its against the law to harass  someone on sundays. All of this is making me never want to do business with this company ever again and I will be closing this account down soon and never doing business with Chase again. I can provide phone records from my cellphone provider is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have requested mortgage assistance with my servicer Wells Fargo several times they have refused to assist me. I recently retried and I only receive Social Security and I don't want to lose my home. Wells Fargo has sent me in the mail from Wells Fargo executive office with the deed and note for XXXX XXXX XXXX XXXX equity line of credit whom reside in another state. Is Wells Fargo confusing my mortgage loan with another borrower whom has a Equity Line Of Credit? Are they trying to foreclose on my home with incorrect information in their files.

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 2019-08-15 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: Conn's, Inc.
State: TX

Complaint narrative:
after explaining my situation. I get calls every hour

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/19 I called MoneyLion support to close my accounts and withdraw all of my money.

After waiting on hold for over an hour I opted for a call back. I never received a call back.

Also, on XX/XX/19 I submitted a ticket to MoneyLion support online. 

Three days later on XX/XX/19 XXXX from MoneyLion sent me an email stating that she has cancelled my membership, but can not liquidate the account.

I am still unable to liquidate the account and close it out. The app states that there is an error and to try again later.

I've been calling MoneyLion and sending them emails without any response.

Furthermore, the value of my investment account has dropped significantly since my request to withdraw funds. 

Today XX/XX/19 MoneyLion again withdrew additional funds from my other bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I visited carvana website for an automobile because I received an email with the subject " Find out if your terms have improved in two minutes ''. I thought I received this due to the dispute that was just completed.

When i first used their site to get my terms ( {$1800.00} down, 22 % interest rate for 68 months ) they were based off my FICO score at the time, which was XXXX due to an item that was incorrectly reporting - a medical bill for {$540.00}. I disputed the item, and within four days, it was deleted from all three credit bureaus, increasing my FICO to a XXXX. I have no other debt, no collections, and I am an authorized user on my XXXX XXXX XXXX card. There is no credit usage on the card. I was recently approved for two credit cards as the primary account holder. So, I went back to re-do my terms now that my credit has been fixed, and was told by Chat rep, XXXX, that i am unable to get new terms, even after the email advertising strictly said " Has your credit improved? You can see if your terms have improvedwith no hit to your credit scorein just a few minutes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I have been making regular payments on 3 accounts that I have with Lloyd and McDaniel.  I have never missed a payment and I have kept all my confirmation numbers that I get each time that I make a payment.  However, last month Lloyd and McDaniel claimed that I had skipped a payment of $XXXX.  In doing so and without notice they levied our bank account and emptied it.  They took $XXXX.  Also our bank charged us $XXXX for them doing this.  I contacted Lloyd and McDaniel and was told I had missed a payment.  However, I was able to give them the confirmation number to the account they claimed that I missed.  Once I did so they realized and admitted that it was their mistake.  Somehow their payment system posted my payment to one of the other accounts even though I had put the correct account number in there.  They said they would make it right and would have the funds released and would also pay for the fee the bank charged.  I was told to expect the payment in a week.  When that week came and went I called a week later and got the same story.  So once again I contacted them and was told that if I hadn't received our money by this past Wednesday the 14th to call them.  Our bank account was emptied and as of today Lloyd and McDaniel has still not corrected their admitted mistake.  We cannot afford and attorney but I have been trying to find someone to help us.  It has now been 3 weeks and they have still not returned our money to us.  Please help us somehow!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I called Bridgecrest call center on XX/XX/19 and spoke with XXXX ( tax id ; XXXX ) in regards to assistance with my car note for the next two months as I am in between jobs. For over one year, I have paid my car note on time without any tardiness. However, the one time I need assistance while I find a new position ( I just accepted a new position with the start date of XX/XX/XXXX ), Im told that you all dont offer assistance. 

When I purchased my car with XXXX, NONE of the sales rep in XXXX vending machine stated I would never be able to get help. If they had, I would have taken the higher percentage with XXXX XXXX when they offered to finance my vehicles or used my current bank, XXXX XXXX, as they too offered financing. 

I contacted both the Bridgecrest CEO and the XXXX CEO. I never received a response from either company. Maybe the CEO 's dont know how it feels to be without employment since both of your backgrounds are very robust in entrepreneurship and investment ideas, but I need assistance. And I don't have that luxury nor am i living the good life. I live within my means and when I need help, I ask. 

So, Id like to know why am i not able to received payment assistance? Is it worth the car being repossessed? I mean if I file bankruptcy, the profit would still be lost. So, even though I would have to deal with a bankruptcy for seven years, it's better than dealing with a company who doesn't help their loyal customers. Ever since I got my car, I have referred SIX people, three of which also have cars from XXXX - XXXX XXXX, XXXX XXXX and XXXX XXXX. The other two - XXXX XXXX and XXXX XXXX - decided to use XXXX instead as XXXX was giving them both issues. The last guy, XXXX XXXX, has submitted a complaint as well about XXXX 's financing policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I have been diligently working towards improving my credit score in preparation to purchase a home, periodically I check with XXXX XXXX to see how it's coming along, last month, XXXX, my score had dropped by 23 points due to a debt in CCS from " XXXX XXXX '' auto insurance, XXXX, I do not owe this mainly due to the fact Auto insurance does not extend credit, you pay you are covered, you are cancelled if your payment is not made, over and above this factual dispute, XXXX. is trying to charge me for the " free quote '' as their slogan states, after requesting a quote I did not purchase a policy. To my surprise the following month my bill which is normally XXXX jumped to XXXX, I spoke with a XXXX. representative who offered only one choice to amend which was that I pay the entire amount then they would credit my account, under the circumstances I found this absurd. I had the new vehicle already insured with XXXX, I could not afford to pay for a " quote ''. I still have not received an official bill from CCS, I only saw this on my credit report score. I chose to take my business elsewhere, my right as a consumer. 

XXXX turned in a " debt '' of {$350.00}, when I did not renew with them, the 6 month policy was paid in FULL, again auto insurance does not extend credit, honestly, Where do these people get off? 

In finish, I have requested validation of these two " debts '', costing me energy and time for something I do not owe. My biggest concern is that CCS can turn this in without validation to begin with, I shouldn't have to provide validation AFTER CCS turned these in as unpaid debts and DESTROYED my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have placed a security freeze on my credit report account at Experian in XX/XX/2017, for a {$10.00} fee. I am now trying to temporarily remove this freeze again but Experian 's website is not allowing me to do this, despite that : - all my entered information is correct - there never has been any fraud, theft or other issues on my credit report/info - I provided the correct PIN number that was specifically created for the freeze - the identical information provided was good enough to procure a free credit report on XX/XX/XXXX The website reports that it can not verify my identity and that I have to mail in copies driver license, proof of residency, and SS #. 
This is a ridiculous and onerous request. Sending all this information by paper mail is unsafe. The request is especially ridiculous since I myself have initiated the freeze and have the correct PIN. If setting up a freeze online is possible, it must be possible to also unfreeze this account online. I have recently moved but my new address is a previous place of residence. All my former and current addresses are already known to Experian, as recent free credit reports show. If identity can be verified online for a free credit report, why all of sudden would my identity be not verifiable when it comes to a security freeze? 

I should also state that I only initiated the freeze due to the infamous hacker incident of client data in XX/XX/2017. I find Experian 's handling of this issue unprofessional and exceedingly burdensome ; this is the reason for my complaint.

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 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
I was admitted to XXXX XXXX Hospital  in XX/XX/XXXX. XXXX XXXX   XXXX, a debt collection law firm bought the debt of XXXX from them.  In XXXX of XX/XX/XXXX, they received judgement against me in civil court.
I disputed the amount of what they said I owed them. I asked for a detailed accounting from the hospital and the law firm.
The next thing i know, my bank account is garnished for XXXX on XX/XX/XXXX.
When i called and asked them why they did that, they where quite evasive and ill tempered. 
At that time,I had a lawyer to talk to them about setting up payment arrangements, they would not, because they want me to pay XXXX a month, and can only afford $200 to $300.
I send them in what I can pay each month!! but they keep garnishing my bank account, causing me to be constantly overdrawn. 
 XX/XX/XXXX, they cashed the payment I sent them in for that month and at the end of the month June, they garnished my bank account again, for XXXX
They keep cashing the checks I send them each month, but they keep garnishing my bank account, causing me overdraft fees, and dragging me to court.
If they keep cashing my checks, I'm paying a fair amount, why the harassment?
All because they only want to accept XX/XX/XXXX when I can only pay $200 to $300.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've tried to settle this matter several times before to no avail.

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 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credits, Incorporated
State: OR

Complaint narrative:
Credit Inc of XXXX, OR claims they sent one letter for a {$100.00} medical collection, I never received any communication from them regarding this debt, when I called I was advised she is sorry I didn't get the letter but I could pay the debt and it would still remain on my credit as a paid collection. It is completely unfair that a company can ruin someones credit over {$100.00} medical bill with no proof they sent you a letter. I have good credit and would never jeopardize my credit over a small medical bill. I also intend to pursue them in court if this is not removed. There company reviews online seem to have people saying the same thing.

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