vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NC

Complaint narrative:
XXXX XXXX Complaint On XX/XX/XXXX I submitted an application for an income based repayment plan. As of XX/XX/XXXX my application has still not been processed. I have made several calls over the last 4 months with no resolution. I have confirmed XXXX XXXX  has received my completed application and no other documents are needed. I made the appropriate {$5.00} payment to switch repayment plans, but my monthly payments have not been reduced. My loans are close to being reported on my credit report as past due. I ONLY WANT TO MAKE A LOWER PAYMENT ON MY ACCOUNT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: FL

Complaint narrative:
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

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 2017-11-28 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been charged a large amount of fees for the past few years {$12.00} for " Overdraft Protection ''. I feel that they are adjusting debits in order to be able to charge all of these fees. I would like someone to please review this ASAP.

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid off a Wells Fargo retail account back in XX/XX/XXXX. My wife did not realize I paid it off and sent in 2 payments totaling {$1500.00}. ( XX/XX/XXXX and XX/XX/XXXXpayments ). I have since tried numerous times to get these monies refunded back to me. They originally said they would mail out a refund check ( in XX/XX/XXXX ) ; the first check never arrived. I called Wells ( XX/XX/XXXX ) and they said I would need to fill out a notarized affidavit and send it back in and they could reissue  the check. They explained the process could take an additional 25 days. I requested to speak with a manager since this was putting me into a financial hardship. The manager i spoke with agreed with me and explained I would NOT have to fill out an affidavit and a new check would be reissued. I did receive the affidavit in the mail a week later but no check. I was under the assumption from the manager I should be receiving a check so i waited a bit longer. Finally on XX/XX/XXXX I called Wells again and was told by another associate ( XXXX ) that the matter would be resolved and a check would be re-issued. She told me to wait a week or so and call back to verify that it was sent out. I called today on XX/XX/XXXX and again no check had been mailed out. I now spoke with another manager ( XXXX ) and he says there is no way of getting around the affidavit and they will send me another to fill out. My point is they will not allow me to go into a branch to do any of this and now I feel I am jumping through major hoops to try and get my money back. It has been about 60 days now I have been told numerous things from many reps in their retail division but am yet to receive my {$1500.00} back.

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 2017-11-28 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: Ditech Financial LLC
State: FL

Complaint narrative:
I recently applied for a home loan. The loan company pulled my credit report and provided a copy to me. DiTech Financial LLC, whom I understand is one and the same as my former XXXX XXXX  holder on my former house, XXXX XXXX XXXX, reported my former first mortgage for property located on XXXX XXXX XXXX XXXX as " Foreclosure Paid ''. This is an error that is adversely affecting my credit score, my ability to get a loan and the interest rates that are available to me. XXXX XXXX was paid in full on X/X/2016. See attached Closing Statement. It is correct that the house was a short sale and in pre-foreclosure ; however, DiTech was paid in full and there had been no foreclosure hearings, judgment or auction. XXXX XXXX XXXX held the second mortgage and was the bank that was " shorted '' and not fully paid. Yet, XXXX XXXX XXXX properly filed a Satisfaction of Mortgage and reported the account as settled less than full balance and " Paid. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Received letters from XXXX attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX GE Money Bank ( Statute Account ) Letter received is dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is not helping me over the phone and are not correcting errors needed

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 2017-11-28 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: NY

Complaint narrative:
On XX/XX/XXXX, I forwarded a Certified Letter to Transunion Consumer Solutions Disputing the Validity of a Collection account listed on my most recent Credit Report. 
Collection Account - Creditor : XXXX XXXX - Date opened - XX/XX/XXXX. Original Creditor XXXX XXXX XXXX XXXX 
( XXXX - debt buyer ) I also attached a page from an older Transunion Credit Report which was dated XX/XX/XXXX showing a line item XXXX XXXX XXXX  with a last payment date XX/XX/XXXX. XXXX ( XXXX XXXX ) - showing the same account number as the XXXX XXXX account listed above. 
( this account had since dropped off of my Transunion report and the Collection account was added ) I advised that I did some research of my own and was aware of XXXX XXXX XXXX Deceptive Practices and this appeared to be one of them ; False Credit Reporting ; Re-aging an already existing item and that I was aware that this practice was ILLEGAL and it had a severe negative impact on my Credit Score. 

In addition I advised I was aware that XXXX had to pay a {$3.00} XXXX penalty to the CFB 's Civil Penalty Fund, that it Must stop selling debt that it can not verify and that XXXX sent inaccurate information to debt buyers when it sold off credit card debt and used law firms that Altered court documents. 

I also let Transunion know that I was aware of the article on the CFPB website dated XX/XX/XXXX that Transunion must provide more than {$13.00} XXXX in restitution to affected consumers and {$3.00} XXXX to the Bureaus Civil Penalty Fund. 

Transunion came back with the following : Your Investigation Results : XXXX XXXX Information Updated, Verified as Accurate and Updated. 

I do not feel that Transunion has Accurately reviewed the contents of my Certified letter and attachments. 

It was made extremely clear in my letter, that this debt buyer ( XXXX ) has engaged in the act of False Credit Reporting Re-Aging. 

XXXX BOUGHT XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX! 
I DID NOT sign any agreement with XXXX/XXXX. 

The above is a clear example of REAGING with the INTENT to severely damage a CREDIT SCORE by adding a NEWER line item and RESET a Statute of limitations. 

Transunion has permitted this to occur by not properly monitoring reporting practices.

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 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am having 2 issues with a company called MRS associates. 

1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 

2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: NE

Complaint narrative:
I have sent letter to Equifax following FTC identity theft guidelines and included police report which Equifax received around XX/XX/XXXX. Also, uploaded it though Equifax website on XX/XX/XXXX with the same info that was sent through USPS. Received a letter today XX/XX/XXXX. That states " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute ''. The Two accounts were circled on credit report provided by Equifax and on website were picked specifically for fraud. I would like those two accounts removed from my credit report per FTC should have been done within 4 days of notification and material which was provided. Equifax was contacted XX/XX/XXXX I contacted the fraud department and told the operator I specifically did not want a fraud report on my account because I would have loans going though and could affect them. Since XX/XX/XXXX Equifax has put a 90 day fraud report on and now a 5 year. I would like them removed and the other two major credit bureaus notified that these were not at my request and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My loan servicer was XXXX up until XXXX of 2017. XXXX based my payments off of my tax return as that is a better indicator of my financial situation and had me paying about {$40.00} a month. However, when I consolidated my loans through NelNet, I was not given the option to submit my XXXX, nor was I really given the option of seeing what my payments would be until after they closed out my loan with XXXX. In XX/XX/XXXXI received my first NelNet bill which {$120.00}. I contacted them and was told to resubmit my application for IDR and submit my XXXX with it. A month or so later I was sent a bill with {$120.00}. I contacted them again and was told that I should have sent in my XXXX with my original application back in XX/XX/XXXX. I explained to them that I was n't given the option, but they said this was a law. I then contacted them again in XX/XX/XXXX and was told to resubmit ANOTHER application for IDR with my XXXX and my payments would be around {$40.00} a month. A week later I was sent an email saying they could take my XXXX. 

I have talked to other loan servicers and they said they have never heard of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Attempt was made to contact XXXX XXXX at XXXX on XX/XX/XXXX at XXXX ( no answer after 40 minutes ) and again at XXXX XXXX. Because this involved a question of fraud I hung up on the second call when the respondent began asking for personal information including social security number etc. 

I received a bill for {$4100.00} for various XXXX products purchased on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX which I did not make. The issuer of the card ( and protest this fraudulent account opened in my name and was told that no such account exists in their records. 
I have checked with the credit agencies ( XXXX, XXXX XXXX ) and no inquiries were made in connection with this account opening and I have since locked my credit file to new account inquiries with the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has frozen my Membership Rewards for more than 3 months since late XX/XX/XXXX, in  which I lose the ability to transfer the Rewards to their airline partners. In the period, I have contacted them multiple times, including most recent on XX/XX/XXXX ( XXXX XXXX ). Each time the Membership Rewards customer representative simply reiterated that the account is under review by the Corporate team and it could take few weeks to be finalized. When I asked a specific time frame for the issue to be resolved, they indicated that they can not do anything about it and all I can do is to wait. The customer representative also mentioned that there is no communication available to reach the Corporate team, not only for customer but also for the Rewards program agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohls advertises 25 % off your first purchase when you apply and are approved for their credit card. I applied and was approved which I only did to get the discount on a pair of XXXX XXXX XXXX.  However when I went to make my first purchase and get my promised 25 % discount I was told that item was excluded??? because it was a special item. I spoke to store manager first and said I did not see that on the big 25 % off advertising to entice me to apply ... I asked for corporate contact number which she nicely gave me. I spent today contacting them and was told about this exclusive brand and how the manufacturer didnt allow the discount?? I said they ( Kohls ) could do the right thing and credit my account to keep a customer happy because they are the ones advertising their credit card with the discount. I feel it was false advertising. I could have used my XXXX XXXX credit card and earned miles instead of wasting a hit on my credit report for basically nothing. I did not get my discount because it is only a discount on selected items not anything you buy. That should be in BIG letters right beside the 25 % off of YOUR first purchase!!! Complete false advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
XX/XX/XXXX just happened to occur on a Sunday. Herein begins my saga. 

I use XXXX web bill pay to pay my mortgage which I obtained through XXXX and which is now serviced by Nationstar. 

The payment was sent early because the XX/XX/XXXX was on the weekend, so on the XX/XX/XXXX when Nationstar received my payment, it was applied to principal, not the contractual payment. When I received the late notice onXX/XX/XXXX, I called immediately to try to figure out what happened. I was told two things : My early payment was applied to principal but that they could reverse the payment and apply it to the contractual payment ; second, my payment was about {$40.00} short because my escrow had increased and it increased my mortgage payment. I was also specifically told that they do n't send a negative report unless its over {$100.00} short. However, come XX/XX/XXXX, the payment I made on XX/XX/XXXX again was n't applied and the additional payments that I sent do n't reflect on my statement. I have called twice in the last week only to have the exact same conversations. Each time, I am told that the request to apply my payment to the contractual payment has been made and that it should reflect within 24 hours. To date, they still can not figure out where the additional {$91.00} in payments have been applied. I am beyond frustrated, there appears to be no end to the phone calls, no solution in sight, no hope of actually figuring out where my money has gone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed

Company response to consumer: Closed with explanation