vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 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: Nelnet, Inc.
State: NY

Complaint narrative:
NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cash Security, Inc.
State: OK

Complaint narrative:
I spoke with XXXX, an employee, on XX/XX/XXXX at XXXX, in regards to my payment. Monday, XX/XX/XXXX, was XXXX XXXX XXXX XXXX, and the banks were not opened to receive my unemployment payment. I explained to XXXX, that I did not get paid on the XXXX because of this, and that I no longer had transportation. She advised me that she would extend out my payment for five days, so that I could send it by mail, and to give me extra time due to negative, below zero temperatures, and that I'd have to walk to mail the payment. On XX/XX/XXXX, I received a voicemail from XXXX, the Vice President of Operations, stating that he had not heard from me since making the agreement. I returned his phone call on XX/XX/XXXX at XXXX. Upon speaking with him, I hold told him that I had spoke with XXXX the previous day, and she'd extended the payment due to weather and the holiday. He said, " I make the decisions around here, and what I say is gospel. You need to get in here to make the payment, or I will file a hearing of assests, issue a bench warrant, and have you thrown in jail. You won't have to worry about being a single mother, if you're sitting in jail. '' This is the second time he has threatened to " throw me in jail '' for not paying him the way he would like to be paid. The last time he threatened me with jail, is because I asked for a payment arrangement, due to losing my job and being a single mother. Again, he also stated, if I were sitting in jail, I wouldn't have to worry about using the single mother excuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ; American Honda Financial Services has sent a letter requesting payments for a XXXX XXXX XXXX Account # XXXX. The request to payments arrived from XXXX XXXX XXXX Account # XXXX dated XX/XX/XXXX. 
The debt refers to a XXXX silver color XXXX XXXX vin # XXXX. Plates : XXXX. This vehicle was returned to XXXX XXXX XXXX, CA on XX/XX/XXXX and the status of the vehicle was MINT with the lowest mileage for a vehicle of that year. Disputes were not made in the status of the vehicle. 
American Honda notified me by certified mail the XXXX XXXX XXXX was sold and profit was made out of the vehicle. However, I never received any money back from the difference of the sales. Honda claimed they had applied the difference profit of the sales to any outstanding credit in that vehicle. At the time I handed the vehicle to XXXX XXXX XXXX, the payment was up to date. The monthly payments were paid every month. I later received a letter stating the vehicle was sold and profit was made. I signed a release of interest in that vehicle and was mailed to XXXX XXXX XXXX. At that point there should be no standing debts. However, I see Honda is using a collection services to collect debts that have been closed. 
Attached are the letters and evidences. XXXX XXXX XXXX seems not to have updated the credit to the Credit Bureaus and have kept me as a delinquent customer affecting obviously my credit records and credit scores. 
I would appreciate your assistance in this matter. 
Sincerely. 

XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I purchased Bitcoin on XX/XX/XXXX. {$10000.00} was taken from my XXXX XXXX XXXX account on XX/XX/XXXX. Today is XX/XX/XXXX and I still do n't have my Bitcoin. 

Coinbase Reference Code for this transaction is XXXX The support is dead. For weeks they were copy/pasting some fragments from their help page. Then, I got a message that they are really sorry and I should wait. ( Case XXXX ) Now, they ignore my messages for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Wells Fargo Bank Visa credit card ending in XXXX since XX/XX/XXXX I have requested a new repayment plan. My previous Consumer Financial Consumer Protection case numbers are XXXX, XXXX I sent letter dated XX/XX/XXXX and XX/XX/XXXX. In the year of XX/XX/XXXX I submitted numerous complaints against Wells Fargo Bank regarding the delay in providing a new repayment plan. I can only afford to pay {$80.00} to {$100.00} per month. I received a letter from XXXX XXXX my case number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
OnXX/XX/XXXX I contacted my lender, Freedom Mortgage to request that my PMI be removed from my loan since my mortgage balance had dropped below the required 80 %. The original loan amount was {$210000.00} and the balance owed as of XX/XX/XXXX statement was {$160000.00}. I was asked to fax a letter to the lender requesting my PMI be removed. I was told that I would receive instructions on what to do in a few weeks. As of XX/XX/XXXX I had received nothing from the lender so I called. After 3 attempts with different staff I was told that my fax was n't received. I have a fax received confirmation. I was asked to email my request so I did on the same day. Today I received a call from the lender and was told that I had to order an appraisal and pay for that myself. I told them that since my balance owed had dropped below the 80 % the PMI should be removed automatically. She also told me that since I was making accelerated payments this posed a potential issue, I did n't understand this statement. My minimum payment is {$1500.00} and I have been paying {$2500.00} to pay off the loan faster.I was put on a long hold and the staff came back on the line and said she was trying to reach a manager. I asked her to please call me back since I did n't feel me waiting for over 20 minutes was fair. I have heard nothing since the then. 

I have attached a copy of my XX/XX/XXXX loan statement and copies of my fax request, fax receipt confirmation, Email request and email receipt confirmation.

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 2018-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Since Hurricane Irma the bank has not allowed me to make payments through the internet because they said they gave me three months without paying to help according to them, ( which did not help me in anything but quite the opposite ), but in this month I have to pay the full three months and I call the day XXXX of this month of XXXX, when I collect my pension, to pay everything and they transferred me to another Dept. where they left me waiting for an hour on the phone and they did not answer me. That same day I sent a check for the amount of {$3000.00} and today XX/XX/XXXX they had not received it according to them, I am worried that they will not charge me for late payment. I explained it to the person who attended me today and I answered that there are too many people who call and that is the reason that they did not attend to me. But I do not understand why they turned off payments online and they did not allow me to pay even if I called several times, because I was worried. I will appreciate your help greatly, I am an elderly person and this situation makes me very anxious and sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. 

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I initiated a wire transfer from my bank account to my XXXX ( CoinBase ) account. The amount has yet to be credited to my XXXX account. I 've reached out to XXXX Customer Support, but they failed to update me on when I can expect my account to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
called at work on the following days. They were informed on XX/XX/XXXX to not call me at work XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had opened a Wells Fargo checking account with a promotion code for {$200.00} cash bonus once the 2 months of consecutive direct deposit conditions are met. I had got the direct deposits for 3 consecutive months. But till now Wells Fargo has no clarity whether I am getting the {$200.00} cash and if yes then when?

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 2018-01-18 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: NY

Complaint narrative:
I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
I applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
They keep harassing me with letters and phones calls on top of more phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
Hello! 

This is a short complaint and may mirror many other complaints concerning the APR on repaying student debt. 

I did forbear my loan now and then when my wife was in law school. This was many years ago and now I am turning XXXX and still have XXXX of my original XXXX to repay. 

I have paid the Vermont Student Assistant Corporation ( VSAC ) over 30K in interest since I graduated in XXXX. 

My fixed high interest loan pays more to the high rate per month than what goes on the principle amount. 

In XXXX, I paid over {$5800.00} in interest on my loans. 

I have complained before and only got a phone call from a worried VSAC about the complaint. The conversation did not lend any help. It was, instead, management at VSAC again blaiming me while I pay more than my monthly payment per month. 

The management was not able to assist in any manner. I asked that they assist in lowering the already front loaded high rate. No answer. I asked if they would help me since I am a XXXX employee, but I make too much to qualify for income based, 10-year repayment. 

I expect this complaint will be met with the same uncaring, inept managers that are covering their bottom line and hold on to me as long as they can. VSAC is no longer a lender, and appear to be less able to assist than they did back when they were a lender. 

My Senators and Congressman 's office all agree and contacted the Department of Education for me. Further, they assured me that they are drafting ways to help graduates pay for the high interest, front loaded loans. 

At this rate I will most likely carry school debt along with me when I retire. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I spoke with navient about fixing my loans so i can go back to school. The payment plan they suggested was outrageous and unsatisfactory to me i explained that at the moment i was unemployed also and to no avail they would not lower my rates so i can get out of deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
I did not have a contract with ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are many medical bills listed on my EQUIFAX account in collections such as optimum outcomes and a few more. However XXXX and XXXX have both removed them due to the hippa violation act! I have tried several times to get the items from collections removed by using 609 letters and HIPPA letters but nothing has changed. My next step will be to take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/XXXX, my grandmother and co-signer of my Navient loan passed away. Throughout the process of closing the estate, the lawyers we hired to complete the process never once mentioned or brought up the fact that, under the policies of Navient and the loan, they would call the loan in default and due in full. Sometime in XX/XX/XXXX, I received calls and letters from XXXX XXXX ( their deceased collection agency. ) During this time, which did n't make any sense, Navient finally contacted me, in which I was at work and unable to field the phone call. I, over the course of the next few weeks, attempted to contact the representative who was 'in charge ' of my account. On a number of occasions, I tried to just speak with anyone but no one could help, as I was told I had to speak with my 'case manager. ' Finally, after speaking with the 'manager ' of my case, she informed me that I had 3 choices. 1 ) Pay the account off in full. 2 ) Find another co-signer ( something I 'm not willing to do, considering this possible outcome. ) 3 ) Find another company to lend me the money to pay it off. In my opinion, this can perceived as 'predatory ' collection practices. I 'm a customer of Navients, whom pays their bill every month. Admittedly, I had some repayment options early on, but I 've corrected those issues and now how a steady flow of income and have made payments every month since XX/XX/XXXX, which they 're unwilling to consider. After pleading with Navient to release the loan to me, without a co-signer, I was unsuccessful. I 've been 'cornered ' into a lose-lose scenario, which to me, does n't have a benefit to Navient, other than collecting the full-balance ( losing all of the potential interest ) or forcing another co-signer, and me, in to this very precarious situation. In addition, their essentially holding my grandmothers estate ransom, until a resolution that best works for them has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Was sent a debt verification letter in return they only sent a billing statement .Under the FCRA 15 U.S.C. 1681I. All  unverified account must be probably deleted

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