vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have contacted Nelnet on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received to loans from XXXX XXXX XXXX loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( Nelnet ) states there's nothing they can do to call XXXX XXXX. I call XXXX XXXX they tell me to call NelNet. However, I did receive a detailed payment history from XXXX XXXX ( the original collection agency ). When I spoke with someone at Nelnet ( multiple times ) and told them that I had it and could send it over they ( Nelnet ) still stated to call XXXX XXXX, who told me call Nelnet again. Not only is Nelnet trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax response was that I may be a victim of identity theft but continues to keep unverified items on my personal credit report. Per my previous dispute the unverified items listed below STILL remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? How is this possible? Who verified these accounts? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also sent you, Equifax, copies of my requests to the collection agencies, asking them to validate my debts, with the receipts showing that I sent these letters certified signature. I would like to request from Equifax the description of the procedures used to determine the accuracy and completeness of the disputed information. Also, Equifax has NOT provided me a copies of ANY original documentation validating these " verified '' accounts required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I demand the following accounts and inquires be verified or deleted immediately. XXXX  XXXX   Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX   XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX Inquiry XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XX/XX/2018 I disputed a late payment with Experian. 

The late payment was from XXXX XXXX XXXX  for XX/XX/2018. The account was closed a month before on XXXX XX/XX/2018 and marked paid. According to The XXXX XXXX XXXX XXXX, you can not add late payments to an account AFTER it is marked closed. 

I disputed this account on XXXX XX/XX/2018 and less than 48hrs later, Experian closed my dispute WITHOUT validation and investigation into my dispute which is negligent. 

Nor did they follow the law. My account was closed and paid in XX/XX/2018. You can NOT add a late payment for the month after an account is closed. The account is closed, therefore I no longer have a payment obligation.

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 2018-12-03 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment. 
On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a payment.

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 2018-12-03 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:
My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: PR

Complaint narrative:
Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX to Equifax and XXXX  XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

Equifax SC : XXXX XXXX  SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: MA

Complaint narrative:
I have a Lowe 's credit card for in store purchases. It has a fairly high interest rate but the 5 % off purchases in the store make it worthwhile and I always pay off the balance within the month. I also take advantage of their interest free promotional periods for larger purchases. Sometimes, I balance multiple promotional balances as well as the regular interest bearing balance. I always payoff the promotional balance in the time allowed and within the stated rules to ensure I am not charged interest. During the time I have promotional balances I also ensure that I continue to payoff the regular balance to avoid interest charges on those as well. The website allows for users to choose how payments are allocated. My preference is to have the payments allocated towards regular balances first and promotional balances second. Once the preference is set it is an automated process to distribute the payments to the different balances. Over the years I have found a number of payments allocated in correctly. I reach out to their customer service representatives and they confirm that payments were allocated towards promotional balances first leaving interest bearing regular balances. They also confirm that my preferences are correct in their system and they have no explanation as to why the system has failed. I've learned that I need to double check the automated allocation process. Based on the number of times that this happens and their inability to fix the issue, it appears to me to clearly be a systematic attempt to defraud customers by incorrectly giving them interest bearing balances and charging them the 20 % + interest that comes with the regular balance. My most recent payment to them should have wiped out the regular balance entirely and pay down some of the promotional balance. Upon review of the account I found that there was still a regular balance.

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 2018-12-03 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: PR

Complaint narrative:
Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX  to XXXX   and TransUnion XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

XXXX SC : XXXX Transunion SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.

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 2018-12-03 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: Total Card, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I received this letter from the company that my account was closed, I was laid off an un able to pay, then in XXXX or XX/XX/2018, I started getting alerts, that I having missed payments, I said to my self how can this be, the account is closed. So that means someone from the credit card reopen the account, with out my knowledge, I hadn't talk to anyone nor did I sign any papers, and I verbally didn't talk to any to give permission, me as a consumer now this wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MI

Complaint narrative:
Great Lakes Education loan transferred my student lone to XXXX. However, XXXX states the balance is over {$12000.00} even after I have made payments to Great Lakes. I have contacted XXXX on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received two loans from Great Lakes Education loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( XXXX ) states there's nothing they can do to call Great Lakes. I call Great Lakes they tell me to call XXXX. However, I did receive a detailed payment history from Great Lakes ( the original collection agency ). When I spoke with someone at XXXX ( multiple times ) and told them that I had it and could send it over they ( XXXX ) still stated to call Great Lakes, who told me call XXXX again. Not only is XXXX trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or  both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I took out a Best Buy/Citibank Platinum VISA Card a year ago. This card is a combination Store Card and also General Usage Card. When I first applied for this card I was provided misinformation by the Best Buy Store Staff. I am now being charged a monthly APR Interest Rate of 28 % and my required minimum monthly payment continues to rise along with the interest rate. To top it all off ... whatever I do pay per month ( well over 100 dollars ) does virtually nothing to bring down the balance. I fear this is a scam and that this is a trap credit card. I called Best Buy and they told me that they have no control over the practices of Citibank. I called Citibank and they were direct and rude with me ... even though my account is current. They outright refuse to negotiate the Interest Rate and tell me it can never be done. I know this is a lie. Their excuse is that this is a Store Card ..., but it isnt just a Store Card ... it can be used anywhere for General Purchases. It just has a Best Buy logo on it and Best Buy Store Purchases are at a lower interest rate than General Purchases. So they are not telling the truth about the card. I want them investigated for misleading and lying to consumers. I want them investigated for trapping customers into a deal that they cant get out of without falling into further debt, debt collection, or even bankruptcy. Again ... none of this was explained to me by Best Buy Staff. They never told me I was going to be charged almost 28 % interest either. Very little if anything was explained to me. The only thing they kept pushing was 0 % interest for the first year. But thats not true either. Theres no interest for the first year on general purchases ... but after a year they apply BACK interest on those purchases without notifying you prior to signing. Then they refuse to negotiate anything related to interest. They also do not tell the consumer that there is a {$69.00} annual fee for having this Credit Card that applies yearly. This is loan sharking ... plain and simple. Theyre lying to people and keeping them in debt to them forever. I havent used the card in one quarter of a year now ( 3months ) and Im making a forced minimum monthly payment of {$140.00} .... and my balance is still {$3800.00} because the interest is {$70.00} a month. At this rate I will never pay this card off again unless I come up with the entire balance. This is so sad that people are being trapped like this. I do not recommend any credit cards from Citibank ever again for anybody ... including and especially Best Buy. I have 5 other Credit Cards. This one is the only one I am having such problems with. Thats how I know Citibank is not being truthful or fair with consumers.

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 2018-12-03 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: TX

Complaint narrative:
Issues : 1. Fraudulent equipment/Fraudulent warranty sold by XXXX/XXXX  using XXXX XXXX as XXXX XXXX XXXX. 

2. Bad faith treatment by Capital one in handling of Fraud charge. 



TIMELINE : XX/XX/2018 Purchased 2 XXXX XXXX computer servers from XXXX for {$3100.00}. 
Paid an extra {$200.00} itemized XXXX  processing fee for the fraud protection the credit card afforded me. Received no invoice or receipt from Merchant, they gave me a tracking number via the website. 

XX/XX/2018 - Received 2 - unmarked servers with no visual markings that they were what I had ordered. ( see photo XXXX. ) They worked at the time so I didnt make an issue of it. 

XX/XX/2018 - Machines shut down suddenly. After rebooting them, they overheat ( 100+ Celsius ), which is dangerous, previously they ran around 80 Celsius. I contacted XXXX/XXXX and received no response. 

XX/XX/2018 - Tried reaching XXXX/XXXX to no success. Upon closer inspection of the units it is discovered that the processing chips are actually old Bitmain ( a competitors ) XXXX cards. So the units that we bought not only dont work, they were stolen from a competitor and purported to be original. 

XX/XX/2018 - Finally received word back from XXXX/XXXX. They claim that they have no record of a purchase by me and therefore will not honor the warranty. Furthermore they claim that they never accepted credit cards. Since they were clearly misrepresenting themselves with my purchase and a trail of Credit Card details on their XXXX page, I filed a dispute with Capital One. 

XXXX - Capital one begins dispute process and removes charge from card. 

XX/XX/2018 - Capital one denies charge, fails to acknowledge fraud claim and misrepresentation by the merchant, supplies an illegible processing form from XXXX. They also claim that they spoke to the merchant, which they in fact did not. They only spoke to the intermediary bank. They ask for follow up documentation which I provide. 


XX/XX/2018 - Capital one denies the claim, doesnt acknowledge fraud and misleading representation by the merchant. They ignore the black and white fraud that the merchant is committing. 


At this point Capital One is acting in bad faith. They havent contacted the merchant, yet have said that they have done so, but in black in white there is no response from the merchant, only the banking intermediary. 

XX/XX/2018 - I submitted the case to the CFPB in hopes that they can get this issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
There was no " real choice '' for my issue. I did a VA refinance with Freedom Mortgage earlier this year. I would give you the exact dates but this part of my problem. Six weeks ago I contacted a lady named XXXX XXXX who works for Freedom. She was the only " hard contact '' I had. I had a working email address for her. I found out that as a XXXX veteran, I was entitled to the return of something called a VA Funding fee. I had filed for XXXX in XXXX and was awaiting the disposition of that case. While waiting I had applied for a VA refinance and was subsequently approved and closed on the loan in ( I am guessing ) around XXXX/XX/XX/XXXX. I have since received word that a part of my claim had been adjudicated and am currently at XXXX XXXX XXXX rate. I contacted Ms. XXXX concerning this and asked how to go about applying for this refund. I told Ms. XXXX I never received a copy of my paperwork from Freedom when I did my refi. They subsequently sold the loan to XXXX. My first payment actually was to XXXX, but Freedom Mortgage DID close the refi and it was their loan. She gave me the number of another lady to call about getting the paperwork. I called this person and was assured I would have a copy within the week. Three weeks later and I have received nothing. I started emailing Ms. XXXX about this and she has continuously deflected my questions. She has said I should have a copy of the paperwork ( I DO NOT have a copy or I would not be wasting my time ASKING for a copy ). The last 18 days has been a continuous stream of emails with me asking for the paper work and her giving me excuses why I do not need the paperwork. In order for me to talk to and discuss this with the VA I HAVE to know what I am taking about ( i.e a copy of the paperwork so I can answer their questions ). It seems every time I contact her I get a lame excuse as to why I can't get the copies of the paper work.

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