vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2018 we applied for a mortgage. I noticed a collection on my credit report I've never seen before. I was told to contact the collection agency XXXX XXXX and consulting to verify what the collection was. I called the agency to ask for any information to prove I am the owner of the debt they are reporting. They stated there was no information to give me and nothing was sent stating they were attempting to collect. We haven't received any letters or phone calls. The company still hasn't sent any verifications or validations that I owe the debt. I disputed this debt three times with the Experian Credit Bureau. They stated it was confirmed by the Collection agency not by giving any form of paperwork where I signed or applied for the debt but by pressing a button on the computer stating it is mine. The credit bureaus states they do not require any of their customers to provide proof the debt is owed but that they agree to only report correct info. We filed a police report to have the matter investigated and sent the police report to Experian to have it removed. Experian has yet to remove this fraudulent info from credit report. This is definitely against the law and am lost on what to do next. The debt is fraudulent and Experian will not remove the debt from my report as they should per federal law. The debt appears to be from a hotel I've never visited in a state I've never been. Experian first stated to get a police report to have the info removed. Then I was told Saturday XX/XX/2018 to upload the email from the police department. Once the the email was uploaded twice I called back Monday XX/XX/2018 to have the collection removed. Now they're stating I need to file the report in Texas not California. I live in California why do I need to file a report in a state I do not live. CFPB please help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I filed complaint XXXX regarding a bait and switch scheme by Capital One credit cards. Someone from Capital One 's corporate offices responded and left a voicemail, but the contact information included in her message ( an 800 number, extension, and case number ) did not allow me to reconnect. The 800 number was for a general customer service center and the three separate attempts made and agents contacted were not able to connect me to the person who left the message, the case number or extension provided, or even find notes about my complaint/situation ( despite previous contact with Capital One customer service ahead of the initial CFPB complaint in an attempt to resolve the issue myself ). I have no way of responding to Capital One 's voicemail and there have been no further attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
I have received repeated robo-like calls from Linebarger GOggan, Blair & Sampson, LLP for months. I did not answer as I didnt recognize the name. After many months of receiving as many as five calls/day as early as XXXX, I answered the phone. 
The rep concurred that they were trying to collect debt from the business, XXXX, XXXX, VA who had my telephone number prior to XX/XX/XXXX when I moved to XXXX, VA and took the number for my personal residence.

After months of calls, I answered one, spoke to a young woman. She apologized and said their files would be corrected and I wouldnt receive anymore calls. Below are the calls Ive received since this removal of my number and correction of their files. 
XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX I called Linebarger today at XXXX and spoke to XXXX. First she couldnt find my number, then she did. I asked to speak to her supervisor, Mr. XXXX XXXX. He was unavailable. I asked for him to email me that their records would be corrected and I wouldnt be called again. I was told that he can not email. 

I advised them that I was registering this complaint with the FCC of this harassment, no attempt to confirm they had the correct person and refusal to correct their records. 

Thank you for your help. 

I appreciate this 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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is consistently charging me overdraft fees for transactions that i have sufficient funds to cover in my checking account. Got charged $ XXXX for on XX/XX/18 for transactions that i had funds to cover in my account on 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 monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have about 45,000. in plus loans with Nelnet . I recently completed chapter XXXX bankruptcy so I have not been able to access my Nelnet documentation while I was in bankruptcy. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told I should qualify for Public Service loan forgiveness. I spoke with Nelnet and Federal Student Aid prior to starting Chapter XXXX bankruptcy due to a divorce and both parties, Nelnet and Studentloans.gov verified this. My employer has been approved I have that documentation. .Today I called Nelnet because I still can not access my account upon completion of 5 years of bankruptcy and I was told that I don't qualify because I am in the wrong repayment plan and my loans are not all consolidated. I thought my loans had been consolidated when my son finished college in XXXX. My loan balance is currently more than it was when I started the bankruptcy because my payments have only been going to interest. Had I known this I would have taken care of it before the bankruptcy payments began. The student loan payments were made out of my Chapter XXXX payment. I have spoken with several different people at this agency and at Nelnet over the past 10 years as I was planning for my loans to be cancelled. Today I was told that my 10 years would start over when I moved to the income based repayment plan and my loans are consolidated. I don't know how to proceed. At this point I have been out of bankruptcy since late XXXX and I still can not access my account which is why I called. The representative stated that the account was not cleared yet to be released to me so that I can view it. It should be another week or so. I was worried that if I miss payments my forgiveness would be voided. I have had to contact them yearly to get documentation of the interest I have paid for tax purposes. Turns out it doesn't matter anyway. I'm XXXX years old, I plan to retire one day. I have currently had and paid student loan payments most of my adult life. First for me then for my kids. Is there no justice in paying ones bills? I'm not trying to make this a sob story, I'm just so frustrated by the conflicting information that I've received. I honestly thought I had hit the 10 year point in XXXX, at that point I was told I would have to finish my bankruptsy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: DC

Complaint narrative:
Creditor " XXXX XXXX  XXXX '' has my credit report listed with two accounts ; I've only opened one account. Second, XXXX XXXX  XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX XXXX  XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCIAL SERVICES GROUP, INC.
State: OH

Complaint narrative:
I ordered some coins from XXXX in the amount of {$670.00}. I never received the coins so my bank issued a chargeback. Now XXXX XXXX XXXX is trying to collect money for a product I never received. Its pretty simple to prove I never received the package. It was shipped with a signature required for delivery. There is no signature because I never received the coins!!! XXXX XXXX XXXX said to notify them within 30 days if I dispute the validity of this debt. So this is my dispute, with the CFPB as my witness. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I filed an Identity Theft Complaint to the FTC the middle of XX/XX/2018 regarding Bank of America not verifying in depth the person who opened a charge card in my name and Social Security Number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
An automated call identified as XXXX XXXX, calls regarding credit card debt from retail establishments that not only do I not have a credit card with, I have never even shopped at these establishments. I hold no retail establishment credit cards at all and have not received any statements from any of these stores, and yet I have had calls regarding at least 6 or 7 retail  establishments ( some I've never even heard of ). One in particular that has been called about several times is XXXX XXXX. The calls come so frequently that more than once we have received 5 calls in one day. On one occasion I tried to speak to someone at the number but was unable to speak to a live representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Creditor " XXXX & XXXX '' has my credit report listed with two accounts ; I've only opened one account. XXXX, XXXX & XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX & XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.

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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On or About XX/XX/2018 A unidentified party accessed my XXXX  XXXX Credit Card Account. They began charging and purchasing overseas products. This was XXXX weekend followed by XXXX XXXX  and XXXX XXXX. 
These individuals added two Chase customer accounts to my XXXX   XXXX Secured Payment Page which means they gained access to my my XXXX  XXXX online account and they added Two ( 2 ) Chase Bank Accounts to my XXXX  XXXX Payment page. 
Over the weekend to which I was busy with the Holiday they some how drained and over drafted funds from my Chase Account. 
I have the ending numbers from the Chase accounts used to steal from me including the emails from XXXX XXXX demonstrating these account were linked to XXXX XXXX. 
Chase bank has refused to take these account numbers from me to investigate who these customers are. I have been damaged and have received some account adjustment but other transactions I did not make are still being investigated. 
Chase Fraud Department was supposed to send me documents to sign that I did not authorize these payments and I did not make any of these purchases. 
I am now told that I will not be receiving these documents and they will not take the Chase Account Information that was placed on my XXXX XXXX Account Page to investigate who owns these accounts at chase and to see how this cyber theft occurred. 
I maintain that Chase bank is aware of who did this and is purposely deferring any resolve for me to avoid liability. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
every month i make my payment at PNC XXXX XXXX branch XXXX XXXX XXXX. I always pay extra and advise them to apply the over payment to my principle balance. When i went today to make my payment they did not want to take it as they said i owed less than the {$400.00} cent payment. the only way this could have happened is if they miss applied some of my other over payments. I have talked with a few other PNC bank customers whom have this same issue happen with over payments. it sounds like PNC bank has a system in place to maximize the interest and fee 's they charge customer. I would like you guys to do a full audit on my loan # XXXX with them to ensure they have done everything correctly. I would also like you to order them to revamp there payment coupon and add a line for extra principle payment to prevent them from robbing hardworking americans who pay extra so they can pay off there loan early and reduce the amount of interest paid actually have there extra payments go to the loan balance instead of being held in a non interest bearing overpayment account and applied to the next payment on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I called back in XXXX to settle this account after they switched to a new collection agency for a XXXX  XXXX  account. We agreed to 3 payments of XXXX appx. They took the first payment in XXXX, all events are for year 2018,. After the first payment I called back within that same first week and asked to cancel the arrangement because I could not afford it any longer and I was moving soon. The representative was very rude and threatened to report the account back to the credit bureau under the previous full balance versus what I even just paid. She told me she would cancel the arrangement and when I asked to speak to her supervisory regarding her service she refused and told me no supervisors were available when I called back I was placed on a block list. I called back today XXXX to find out why they charged my account again I spoke with a very rude supervisory who began to raise her voice to me and yell. I asked to speak with her manager because I wanted the previous call reviewed in XXXX she told me she would not do that nor did she have available and begin to get really rude saying I could call back and speak to a supervisory who was her equivalent. Once again when I tried to call back to customer service my number was blocked and I did record it this time. They charged my account when I asked to cancel the arrangement and refused to resolve the bill error they caused and threatened to report the full amount less the one payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: CA

Complaint narrative:
The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with explanation