vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX   automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TX

Complaint narrative:
Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. 
I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. 
I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. 
XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. 
I had no reason to go online when my my nill was being autopaid. 
I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. 
Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. 
They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase denied credit because they " inadvertently '' made a mistake. I don't believe that for a moment. I believe it is a business practice which is convenient for them. Their treatment of people is totally unacceptable. I can only assume that the decline is due to my age as my credit is excellent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XX/XX/XXXX Executive Office-ATT : HUMAN BEING XXXX XXXX XXXX XXXX, XXXX   XXXX Dear Robot : I am in receipt of your totally cavalier, non-responsive letter of XX/XX/XXXX. I know you are totally uncaring about your customers but do you have to be so blatant? 

I have no intention of just starting your outrageous procedure all over. I need not to deal with your robot brethren. So, find a pleasant human being, if you P one. E mail me with what, EXACTLY, you need to submit this application. Try to use all the information you have on me at your disposal to avoid unnecessary work FOR ME. Remember ME? Im the customer. 

You have wasted an inordinate amount of time because of your total inefficiency. Try taking some responsibility and a starter course on manners. 

Strong letter to follow. 

XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: OR

Complaint narrative:
The problem is XXXX. Only XXXX. I now have two collections with them and only them. I have filed at least 3 disputes with them in the last few months. They keep saying the accounts are valid despite me sending them paperwork from the companies showing I don't owe anything. I have called the companies many times and they have verified there is no account and I have paperwork which was submitted to XXXX. On the phone, XXXX told me, " it doesn't matter what I send in ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Stearns recently changed its loan servicing company in XX/XX/XXXX. I have an escrow statement from Stearns dated XX/XX/XXXX showing my actual escrow balance in the amount of {$4000.00} ( amount agrees to my personal records and supporting documents ). I made an escrow payment on XX/XX/XXXX in the amount of {$1400.00}. Another payment was made on XX/XX/XXXX in the amount of {$1400.00}. Total escrow at transfer date should have been {$6800.00}. Actual transfer to the new servicing company was {$5600.00} ( excluding interest is {$5600.00} ). Assets have been misappropriated and fiduciary responsibility breached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 I spoke to XXXX in the Executive Office. She assured me that my debit card would be expedited and I would receive it today. What she failed to mention was the card would be sent through XXXX  XXXX and requires a signature. I called the bank to see why I wasn't given the proper information and was met with excuses.The representative from the executive office stuck up for XXXX and told me I should have known that a signature was required. She made it seem as if XXXXXXXX XXXX   behavior was warranted and I had no right to question her. This is my third complaint against this bank. The employees in the Executive Office are familiar with me because I make numerous complaints against the bank. I believe that I am being retaliated against because I make complaints. This is a tool utilized by the employees in the executive office to harm me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times 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 2018-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have started using XXXX. It is a banking app that helps manage your money. It allows access to multiple accounts in one place. Capital one is blocking access and my ability to connect that account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Associates
State: VA

Complaint narrative:
I wish to file a complaint against XXXX XXXX XXXX XXXX XXXX. 
They have a Paid collection account of {$150.00} on my XXXX credit report. Shows it was paid XX/XX/2018. I have never paid XXXX XXXX XXXX XXXX XXXX any money. So this account is erroneous and inaccurate and needs to be removed from my credit report immediately. Fair Credit Reporting Act says that a credit file must be : 100 % accurate, verifiable and timely. This account meets non of those. Furthermore, the client or original creditor listed. I have a {$0.00} balance with them. So if I have a {$0.00} balance with the client or original creditor, there is no way I can have a collection account with XXXX XXXX XXXX XXXX XXXX. I am very upset and frustrated as, I want this erroneous, unverified, fraudulent account removed from my XXXX credit report immediately. I would also like you to fine XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act and violating my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays has been ridiculous lately. I have a 720 credit score and recently applied for their XXXX card. I am a longtime Barclay 's cardholder with flawless payment history. They rejected me a few months ago for " too many new accounts and inquiries ''. I waited a few months until my credit strengthened and applied again. With a stronger credit history than when I got my original card with them, THEY DENIED ME SOLELY ON THE BASIS THAT I HAD BEEN DENIED PREVIOUSLY, NOT TAKING INTO ACCOUNT AT ALL THAT I AM A PRISTINE CUSTOMER OR THAT I HAVE NO LATE PAYMENTS OR COLLECTIONS OR ANYTHING BAD ON MY CREDIT AS OF NOW. So I called their reconsideration line and spoke with XXXX, employee ID XXXX and his associate. They had clearly made up their mind that I was an awful credit risk due to my new accounts and inquires. He and his associate half heartedly offered to " reconsider '' my application but essentially gave me the feeling the would deny it anyway because I am this deadbeat who can not be trusted, so I declined. They wouldn't even move part of my existing line to create a new card without a full credit review ( which I feel they would have denied ) because of the dreadful risk that I am ( again, no late payments, or over the limit occurrences ). Further, I should note the only reason I am applying for the XXXX card in the first place is because they won't do a product change of my XXXX XXXX card to the XXXX card. I don't want to close the XXXX XXXX card because it has a long account history. That said, for both their XXXX and XXXX products, they told me I had to apply for new cards ... and then denied me for applying for new cards. I admit that I use credit, am constantly looking for lower interest rates and better rewards, so I open/close credit cards regularly. That said, I pay them. XXXX should have to take into account the fact that I'm a good customer when approving applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
on XX/XX/XXXX i reviewed my credit report and it was reflecting a debt from XXXX XXXX by XXXX XXXX XXXX since XXXX. It is my understanding i am no longer liable for this debt because i turned the phones in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm in the process of purchasing a home and TransUnion credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact TransUnion to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX refuses to accept my certification of employment to calculate the correct amount of payments I have made towards the PSLF program. I have given them everything they ask for and each time they send me a letter with a list of new " Missing Information. '' I have have sent in the form 4 times. The last time I even attached a letter with it telling them they can contact my employer to verify but each time they say for me to have my employer contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Within the last few days, issues have happened with XXXX. 1 issue is that my phone number is associated with an Ally account, and as POA in two people 's sets of  accounts at XXXX XXXX The sender from XXXX tried {$100.00} to me with my cell number and it didn't even ask which account to send it to, it automatically chose a XXXX account. It was supposed to go to Ally and it hasn't yet. 

The 2nd issue is that XXXX took 3 days for my first XXXX money sent. Yet it took the money out and held it back on day 2. They need to fix these communication issues with 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 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: DC

Complaint narrative:
Hello, Today I received a call from a representative from American Education Services [ AES ]. The caller gave her name and an ID number and proceeded to ask me to  provide my date of birth and other personal identifying information. She did not identify who she was calling from until I asked. In this day and age, I do not feel like any company should call me and ask me to provide my name or SSN without making it clear that they are who they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm in the process of purchasing a home and XXXX credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact XXXX to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
transunion and XXXX showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Someone has hacjes my bank account and is trying to use it to wire themsedes money I know who it is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Ask for validate this debt, have not receive any documents thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing. 

Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had a delinquent payment on my Chase mortgage for my XX/XX/2018 payment. When Chase attempted the ACH with my XXXX XXXX XXXX XXXX account, it failed because of the configuration of my XXXX account. Chase subsequently reported my payment as 30 days past due. I reached out to Chase and provided them with documentation by my credit union substantiating that the configuration issue led to the delinquent payment and asked them to stop reporting the delinquent payment. Despite this reasonable request, Chase continues to act unreasonably, stating they are not able to make an adjustment to their reporting because it was not a banking error made directly by them.

Company response to consumer: Closed with explanation