vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On Friday XX/XX/XXXX ( the due date for my student loan ) I noticed that my student loan bill from Nelnet was still showing as due. In fact it showed that the payment was overdue and my new amount due by XX/XX/XXXX was {$1100.00}. Thinking I had somehow missed my payment I scheduled a payment to be made on XX/XX/XXXX. I thought I had made the payment previously, but I checked my account and could not see any pending payments or anywhere where I had scheduled the payment already. 

Then on XX/XX/XXXX I saw that two payments were being processed from my checking account. Apparently I had scheduled a payment for XX/XX/XXXX at the end of XX/XX/XXXX. Since the website did not show this payment I was induced to pay the student loan twice, wrongfully. 

I called Nelnet and asked them to reverse the second payment on my account. They refused. I asked them why they do not show scheduled payments. She had no answer and said I could file a complaint. I told her their website should clearly show to the consumer when they have already scheduled a payment. She said she would note that on my complaint form. 

It appears that Nelnet has purposefully set up their website to cause confusion. In fact one could argue their website is misleading. I truly thought I had missed my XX/XX/XXXX payment when I did not. They said they will apply the double payment to my XX/XX/XXXX statement. But that does not solve the problem. Their website should clearly show when payments have been previously scheduled. I do not get any benefit for paying my XX/XX/XXXX payment early. They seem only concerned about collecting the money. Nelnet does not seem concerned that their website is misleading.
This issue should be addressed since it is very simple fix. Nearly every company I do business with online shows your scheduled payments. There is no reason Nelnet does not do it. One can only assume that they are purposefully leaving this option off their website to mislead consumers into paying their accounts early through erroneous double payments. Luckily I had funds in my account to cover this double payment. But someone else who makes this mistake may not. 

I have contacted my bank and been told that the only thing I can do is dispute the ACH. By the time that dispute is done I will have to make the XX/XX/XXXX payment so I should just let the payment stay. 

Nevertheless, Nelnet should be made to address this complaint. Their website is misleading. They need to change their website so that consumers can easily tell when they have already made their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian-XX/XX/2017-After agreeing to {$1.00} charge for report and cancellation within 7 days called over 1 dozen times to cancel subscription. Phone is put in a " were sorry '' loop and never answered. They continue billing me and my Bank says they can not stop {$21.00} charge.

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 2017-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Once again, Equifax employees are still retaliating against me by putting incorrect information on my report. I received a letter from them. This time they changed my credit card limit to show as {$0.00} when it is in fact {$1000.00}. I believe this was done deliberately, ( as you know, per my past complaints against them ) although they are claiming they verified the information and have updated it. I do n't believe this is true, so what I have done is written a letter to them that I 've already sent off. They should be receiving it in a few days. In this letter I expressed that I would like 3 things.
1. I would like them relay how they verified this information, who gave them the information, and their contact information. 

2. I would like them to list my CORRECT credit limit. 

3. I would like them to send an updated report ( the corrected version that resulted from my last CFPB complaint ) to all companies that requested my report within 6 months. 

Now with these 3 things asked for in written form, I am hoping to find out ( although I severely doubt it ) if XXXX XXXX is giving them incorrect information, or if it is them again purposely adding false information, for proof. 

When they return the information on how the " {$0.00} '' credit limit was verified and who at XXXX XXXX gave them the information, I will be contacting XXXX XXXX and verifying with them also if they gave the information that Equifax is claiming they have. I am alerting the CFPB ahead of time because I have high reason to suspect this is continued harassment by Equifax employees in attempting to sabotage my credit report with errors on multiple occasions. I 've attached two separate reports. The earlier report is confirmation # XXXX which resulted from my last complaint. That should have been the last thing I had to report. It had been corrected. But they have now changed my credit limit to show as {$0.00}. I 've attached that report. I have already called my bank, nothing has changed. It is still {$1000.00}. Either Equifax is giving false information, or XXXX XXXX. I am willing to bet it 's Equifax, but it is apparent that someone is lying, and there will be proof soon. Because I 'm contacting both either way. When they reply, I 'm letting XXXX XXXX know about my CFPB complaints as well so they 'll know what 's been occurring and will be able to confirm that they are not the ones doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I am currently in the foreclosure process with Nationstar Mortgage XXXX a.k.a XXXX XXXX XXXX. On or about of XXXX XXXX, XXXX Nationstar started the foreclosure process. Prior to that I sent them a check in the amount {$17000.00} to catch-up on my mortgage. This amount was good through XXXX XXXX, XXXX. On XXXX XXXX, they sent the check back to me telling me that the total amount required to bring the account current was {$21000.00}. I received this letter on XXXX XXXX. I contacted them the same day and was told that the number changed to over {$270000.00}. I am now being told that in order to reinstate my mortgage in need to pay them in excess of {$31000.00}. I have made numerous attempts to make payments to get my mortgage reinstated. I have also requested that they provide me in writing what legal fees I am required to pay them. I was told this morning that they do not have to provide that to me in writing. I have the means to reinstate my mortgage and move forward with making my loan payments. They are refusing to work with me. I so have equity in my home and I suspect that they are trying to force foreclosure so they can take my house and sell it for a profit. I am asking your assistance in this matter. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you

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 2017-09-11 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: TX

Complaint narrative:
loans show up on my report and its not mine, i have police report # XXXX Id theft

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 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase on XXXX/XXXX/XXXX at XXXX XXXX time to close my credit card account. After a 45 minute phone call, talking to numerous departments and supervisor, they refuse to close the account. Even though they say the account is closed, they will continue to accept charges on the account that I am liable for. The account is not closed if they continue to allow activity on the account. 

They say that this is for recurring charges, with a prior authorization. They say that a contract is in place with the vendor they must honor. However, I never signed a contract with any vendors authorizing them to charge my credit card indefinitely. Chase refuses to honor the contract I have with them as their customer to permanently close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax failed to maintain security of my sensitive information. They were hacked and the personal information was released. It took Equifax over a month to report the incident to the public. Meanwhile, their executives were selling their stock.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: KY

Complaint narrative:
On XXXX XXXX, I made a payment through t the Capital One website for {$300.00}. On XXXX XXXX, an automatic payment was made for {$1400.00}, because of a setting to " pay full balance '' or similar setting. This was unintentional, as the setting had been made months ago, when bill was normally under {$10.00} monthly. When I realized that this transaction was pending in my checking account with my home bank, I contacted Capital One to cancel the transaction or set up a refund. I was told that the transaction was already processing, and to contact them when it went through and cleared my checking account, that they would refund it for me. I called on XXXX XXXX when it was cleared from my checking account. I was told that the refund was processing and could be several business days. I then received a letter in the mail that the transaction was unable to be processed at this time, but to call if I had questions. 
On the evening of XXXX XXXX, I called, and was told that the reason it was declined or unprocessed was that my banking account number and routing numbers were not on file. I then provided this information. A week later, I still had no refund. Today, XXXX XXXX, I called checking on my refund. I was told that it was processed on XXXX XXXX, and declined on XXXX XXXX, but that it was because my bank declined it. I was advised to call my bank, but I was assured by them that I needed to make sure that Capital One had the correct routing number on file, and selected checking account to ensure proper transaction. 
When I called again, for the second time today, and fifth time contacting Capital One in two weeks over this issue, I was told that they just could not refund it, that it would keep getting declined, and did " not meet the criteria '' without any examples or answers on what this criteria is, for a refund. I just bought a home, my checking account is empty, I am paying over charges and fees for bills that I can not cover in my checking, and Capital One will not return MY MONEY to me, or provide a reasonable explanation. I closed my account with them, but I still need that money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks. I recently was the victim of identity theft in which thieves accessed my bank accounts. It is unclear if it is related-there is no way to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personally identifiable information, including my social security number, according to Experian, was stolen from their system. The had set up a website for consumers to check and see if their data was on " the dark web ''. They required me to put in my name and part of my SS #. When it came back indicating I was a victim I clicked on a link to go to their free credit monitoring and insurance site that only provides one year of coverage for free. The enrollment requires me to waive my right to sue and to commit to arbitration. 

The loss of my social security info is a life long exposure to credit fraud and the one year of protection is inadequate. I do n't want to enroll in their service, which I believe they are required to provide, because of the waiver. I understand the waiver is not related to the current breach but to the service they provide under the monitoring and insurance. It is a huge disadvantage for me to have to arbitrate with them if they screw up again on the monitoring or insurance. I need to have the right to be in a class action suite if there are issues.

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to safeguard my information and allowed hackers to steal it. They are not victims here but rather bad stewards. When I went to see if I was affected they attempted to wrangle me into an agreement that reduces their liability for this breach. No! I never entered into a business arrangement with Equifax and frankly they have no business making money off my personal information if they can not take the basic steps to safeguard it. I am now obligated to add credit monitoring, fraud alerts, etc. for the remainder of my life. We are talking decades I will have to live with a real concern of my identity being used and causing severe repercussions for me and my family. Does Equifax get this? Should their CEO have his information published in the XXXX XXXX, how would he feel?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I had a mortgage with XXXXXXXX XXXX XXXXXXXX, Loan #  XXXX. 
XXXX sold the mortgage to LoanCare, Loan # XXXX as of XX/XX/XXXX. 
I never missed any payments. XXXX was always paid on time and LoanCare was always paid on time. 

The loan closing with XXXX in XX/XX/XXXX was a mess. They overpaid some of the credit cards and other required payments and I was required to bring several hundred dollars to the closing. When my Wife and I took this additional cash to closing, they were not there. They sent me to the wrong closing attorney in Downtown XXXX. They had to reschedule another attorney to come to my home. Plus that I was getting refund checks for months from all of the miscalculations on the closing statements. 

And there is more. The appraisal was totally wrong. They valued the first floor of the house as uninhabitable. This is just plain weird. The first floor as originally built, with central air/heat, with a full bathroom, with a fireplace was not counted in the total floor space. The appraisal included only one of the two bathrooms and two of the three bedrooms. This appraisal was so messed up that it will be the subject of another complaint. The only reason that it is discussed here is because I had to re-do this mortgage. My wife and I just put XXXX kids through college and we were working out of the 8 % charged by the Dept. of Ed. 

So here is the complaint. When I refinanced this mortgage there was a tax lien. Somewhere between XXXX and LoanCare, nobody paid the property tax for XXXX County. Both mortgage companies require escrow. I would not have know about this if not for the re-fi. My assumption was that the property taxes were paid from escrow. 

LoanCare did send me a check for {$1000.00} in XX/XX/XXXX. And I did n't put it together with the property tax that was due in XX/XX/XXXX for the approx amount of {$1500.00}, ( amt paid XX/XX/XXXX ) or the adjustment needed for the City tax of {$300.00}. So ... ..maybe I should have looked a little harder. But at the time I just though it was another screw-up. I was well conditioned to accept a low standard of service. 

So, I do n't know what this cost me. I have attached the closing statement from my new mortgage company, XXXX,, which shows the cost of settling the tax lien at {$1800.00}. I do n't know how this reconciles with the {$1000.00} returned to me in XX/XX/XXXX or the actual cost of the XX/XX/XXXX XXXX County property tax of approx. {$1500.00}. I believe that the {$300.00} of City tax was paid. And I do n't know what the cost is of having a lien on my credit report and what that costs for the APR on my new mortgage. 

But I do know that there were additional cash expenses for XXXX to clear this lien in able for me to close my new loan.

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit - $ XXXX/each in my state - with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. In addition, they are offering a " free '' service, that only lasts for one year ( after which I must pay monthly ). I 'm not convinced that someone trying to steal my identity or get credit in my name will be worried about waiting a year to start fraudulently using my information. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was granted guardianship of an incompetent individual on XX/XX/XXXX. In late XXXX, I was granted payee for the same person. I am trying to open a joint checking account, as instructed by SS, and PNC keeps giving me the runaround as to why I ca n't!! I have been to probate three times, SS once and I have all the documentation that is legally required to open and account and pay this man 's monthly bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting agency, Equifax, recently allowed my credit report, and personal information to be stolen from them. They were negligent and careless with internal controls.

Company response to consumer: Closed with explanation