vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I make regular additional monthly payments of {$100.00} a month to Firstmark Services ( a division of Nelnet and a loan servicer of XXXX XXXX ) to pay down my student loan ( this is in addition to the minimum payment of {$50.00} per month which XXXX automatically debits from my account ). After cashing my additional payment checks for years, XXXX failed to cash the additional payment checks for XX/XX/2019 and XX/XX/2019. XXXX was very unhelpful - basically my only recourse is to pay my bank to cancel the checks ( at a cost of {$29.00} per check ) and then reissue the checks. I am very unhappy about this. XXXX can give no reason why they stopped cashing the checks. The address to which the checks were sent is the same, and the checks are sent based on an automatic payment system with my bank, XXXX, which also remains the same. This feels like another way to gouge student loan payers by forcing us to pay for XXXX mistakes. XXXX refused to pay the extra interest that has accrued based on their not cashing the checks, nor did they offer to help in any way. When asked XXXX also would not give me the federal agency that regulates them so that I could lodge a complaint - they tried to send me to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law representing Suntrust bank Got a default judgement against me in court without serving me properly.The process server did not comply with Georgia Rules of Civil Procedure. concerning the summons A forbearance was offerd by the bank however the above law firm charged me approximately {$9000.00} plus another approximately {$400.00} in court costs. My interest rate went from 4 % to 8 % .Furthermore my principle was {$82000.00} @ 4 % interest is {$3300.00} not {$4900.00}. as the forbearance agreement states. I went from owing approximately {$83000.00} to XXXX for my home under this agreement. Under this agreement an additonal XXXX was tacked onto my principle which fits the definition of usary in Georgia.Section 7-4-18 of the Georgia Code contains a criminal usury statute which provides that no loan shall charge any rate of interest greater than five percent per month either directly or indirectly, by way of commission for advances, discount, exchange or by any contract, contrivance or devise whatsoever. In the event any loan violates this criminal usury statute, the lender forfeits all interest due on the loan but will still be able to collect the principal.

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 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
I have no idea who PHOENIX FINANCIAL INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PHOENIX FINANCIAL INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

XXXX. Provide the contract or other instrument through which [ Alleged Creditor } authorized PHOENIX FINANCIAL INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ PHOENIX FINANCIAL INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PHOENIX FINANCIAL INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Graham Leach Bliley Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Simon PLC Attorneys & Counselors
State: OH

Complaint narrative:
I have a judgement against me for around {$23000.00} for a loan that I took around 16 or 17 years ago for {$10000.00}. In an effort to help me my son tried to settle the debt with the attorney XXXX XXXX, XXXX XXXX is trying to collect this debt on behalf of XXXX XXXX XXXX XXXX, XXXX. I was unaware of this contact and never gave XXXX XXXX, any agent or representation of XXXX XXXX to speak with any of my family members or anyone else regarding my debt. I did not know my son was doing this and he did it because my Daughter has been threatened by XXXX that she is responsible for the debt and that he was going to sue her for fraud. During his multiple conversations ( at least 4 phone calls and multiple emails ) with my son he doubled down on those threats saying that he would collect this debt from either me or my daughter while sharing information on my debts and judgements. My son made 2 offers to settle this debt for {$2500.00} and then {$5000.00} to XXXX XXXX on behalf of XXXX XXXX XXXX and they declined in writing to even propose a counter offer. He is now trying to subpoena personal records for my Daughter and continues to harass her even though she is not signatory on any loan I have ever taken nor does she have any judgements against her. My daughter worked for my XXXX   XXXX business at the time of the original loan and XXXX claims that since it said father daughter run business on my website in recent years that makes her responsible for this debt. My daughter has sent him a cease and desist and he continues to harass her with threats and now court filings to obtain her personal information. I am on Social Security and they have tried to garnish my bank accounts on multiple occasions. XXXX has also threatened to continue racking up legal costs with continued court filings which never seems to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : XXXX XXXX XXXX Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-06-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-06-17 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2018 two charges were made at a vendor called " XXXX XXXX XXXX '', one in the amount of {$180.00} and one in the amount of {$210.00}. I was first made aware of the charges by Citi as they were flagged as fraud and I was contacted to see if I authorized the charges, which I did not. The charges were then removed from my account as fraud. 
About a month later they reappeared on my statement, I contacted Citi and they said they decided I did make the charges. I DID NOT. 
I have paid tens of thousands of dollars on my credit cards and not been late once, it's preposterous to accuse me of blatantly lying about under {$400.00}! I have even been paying many more dollars since Citi has so insulted me by accusing me of lying on other Citi cards themselves that I have. 
It is ridiculous that Citi can totally destroy my credit over charges I DID NOT MAKE!

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 2019-06-17 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: WI

Complaint narrative:
Hey I opened up a XXXX big card account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX  it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of 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 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
My student loan was paid in full with some overpayment. The bank has not returned overpayment in nearly seven weeks. They also miscalculated the overpayment amount bt {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/19, I purchased a laptop screen in the amount of {$160.00} using my Capital One credit card. Within a few days of the screen 's arrival, I determined that the screen was defective. I attempted to reinstall it multiple times and ran a full diagnostic on the computer. I have a background in technology. THE SCREEN IS DEFECTIVE. This is a SCAM. I provided Capital One 's dispute department with a written and signed statement, evidence of a warranty offered at the time of the sale as well as the communication log between the retailer and me. In that communication log, I requested a new screen within the warranty period. The retailer has done nothing but stall and has not followed through on the warranty. Further, you will see in the conversation log that I requested a return shipping label which the vendor completely ignored. Capital One stated Visa wouldn't support me because I still had the screen. I guess they're illiterate because I clearly made an attempt to return the screen and it was ignored. 

Capital One is requesting a copy of the " purchase Agreement / contract ''. Who the hell signs a purchase contract for an XXXX-like transaction?? This entire situation defies logic. I'm done with them. Just spent nearly 50 minutes on hold only to have the call conveniently disconnected. Of course, they never called back despite confirming my call back number on the call. WORST CUSTOMER SERVICE I'VE EVER EXPERIENCED. What does it take to win a dispute? The product is defective. The product has a warranty. The communication log between myself and the retailer was provided evidencing my request for a replacement. I ASKED the vendor to send a return label. THEY NEVER RESPONDED and still haven't TO THIS DAY. XXXX VISA and XXXX Capital One! They don't have your back anymore. So here 's where I'm at. I will not pay this bill. I have a superior credit score and I'm willing to sacrifice it on principals alone. Would appreciate your help but if the matter isn't resolved through your firm, I'll be closing my account with the unpaid balance. Thank You,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I check my credit report this past weekend and noticed I have a collection from Southwest Credit on my report. I called them first thing Monday morning to see what this was about. Per the rep its for a cable bill that I knew nothing about. I asked her why didnt I get something in the mail before they attacked my credit and was told. We are not the cable company and do not need to send you anything. I told her that she did need to send me something so that I could dispute it. She told me it will stay until I pay. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have a mortgage with Franklin American. They raised my mortgage payment XXXX $ a month because they miscalculated my taxes and escrow account after paying on time for a year. They have refused to take partial payments or full payments. 
I have been trying to work with them and pay what is owed and they are being unreasonable. My most recent of many interactions was on the phone with XXXX XXXX ( XXXX ) on XX/XX/XXXX. I was told that the reinstatement amt was XXXX $ and had to arrive by XX/XX/XXXX. A bank check for that amt was sent to XXXX XXXX XXXX. XXXX NJ XXXX ( the address that I was given ) on XX/XX/XXXX. I have received the bank check back and was told the it was not enough money. There is a stamp on the check for XX/XX/XXXX that was not from the bank or me. Now they are telling me that I have to pay their attorneys fees on top of the other fees that I owe which are over 1500 . I now have a mortgage of XXXX $ a month from XXXX $ a month. I am a single mother of XXXX young children. I would have NEVER signed a mortgage for that amount as I can not afford that. I have actually spoken to a few people that have bought houses in XXXX and this has happened to all of them. Every person that I have talked to has had their mortgage go up by at least 400 $ for the same exact reason. Why are Mortgage companies putting people in homes that they can not afford again. Franklin American has refused to work with me every time I have tried. They have not accepted any payment that I have attempted to make. They just want my house back. It is disgusting. I am a XXXX XXXX XXXX XXXX. If I gave patient care the way they run that financial institution patients would XXXX every day. I am responsible for knowing my job and treating people appropriately. They should also be responsible for their mistakes. 

Most of the Communications were by phone as they told me they do not email communication. They did initially tell me that they would email me and that never happened. When I called back to ask the next agent told me they do not do email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Had an account with newspaper company -- XXXX XXXX XXXX ( XXXX XXXX ) and subscription expired. They continued services without my authorization and deducted from my credit card without my authorization on two different occasions. 

This is fraud and I notified the credit card company who cancelled the card and reissued the card. They continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Was on a reduced interest plan due to over extension in regards to bills, which appears to have expired in XX/XX/2019 with not written or phone communication informing us the plan was or had ended. I call in on XX/XX/2019 to speak with personal finance to apply for assistance again. My financial information was taken income/expenses over the phone, for an interest rate reduction. I was informed that I would hear something bad within a few days. On XX/XX/XXXX, I call back into Navy Federal and was informed there was no record of the conversation, and was transferred to someone to resubmit my financial. 

Please note that all payments were automatic electronically payments on the 1st & 15th of every month. I have been making the payment in good faith since the approval of the plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Hey I opened up a XXXX XXXX XXXX account through XXXX  XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Hey I opened up a XXXX XXXX XXXX account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is zeroed it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of 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 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: LA

Complaint narrative:
I have no idea who MERCHANTS ADJUSTMENT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANTS ADJUSTMENT is indicating that an account with an unknown account number was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANTS ADJUSTMENT as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ MERCHANTS ADJUSTMENT } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANTS ADJUSTMENT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation