vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I've sent emails to Nelnet, my student loan server, on several occasions with no response. I waited the alloted 5 business days and they still have not completed my request. My student loan payment was due on XX/XX/2020 and I paid the full amount on XX/XX/2020. On XX/XX/2020 I received an email from Nelnet advising me of the Forbearance due to the COVID-19 pandemic. I read through the FAQ 's regarding the Forbeance, which stated this went into affect XX/XX/2020, and if we already have made our payment, we can request it be refunded without penalty. I emailed Nelnet on XX/XX/2020, provided my account information and requested a refund. By XX/XX/2020, I still had not recieved a response so I sent a second email. It is now XX/XX/2020 and I have still not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
tooo many phone calls. this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: NC

Complaint narrative:
On or about XX/XX/2020 my husband and I applied for a personal loan with Lending Club, and we were approved. The next day, we decided we didn't want the Lending Club loan because we got a much better rate with a different company. I notified Lending Club on the phone and via email that I didn't want the loan and to cancel it. Well, they went ahead and deposited the loan proceeds into my checking account anyway, and then they withdrew the proceeds on or about XX/XX/2020. Lending Club confirmed via email that they were cancelling the loan and that it would take a " few days. '' In the meantime, Lending Club proceeded to harass me with phone calls and letters regarding making a payment on this loan, and they reported the loan account to the credit bureaus for my husband and me, even though we had cancelled the loan. I have made multiple phone calls to the company but they are not fixing this problem, and it just gets worse each day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
Due to Covid 19 and not getting paid I did not use my checking account with XXXX XXXX XXXX  in XXXX Pennsylvania. They continued to charge {$15.00} maintenance fees resulting in the account going into overdraft. As I have had no income I could not resolve the {$27.00} overdraft before they closed the account and reported it to XXXX. 2 days after the account closed I received a payment due to me and cleared the negative balance caused by their monthly fees. I was then informed that they could not open a new account because THEIR record was in the XXXX  and I would have to wait 1 to 5 months for the report to be cleared. 

I went and spoke to the branch manager on XX/XX/XXXX and she told me that until XXXX clears the report their is nothing she can do. I asked about expediting the report of payment upon notification to XXXX and she said there is nothing she can do. 

In summary, their lack of clearing the report with XXXX  is preventing them reopening my old account OR opening a new one with any bank. This has caused my Stimulus payment to be returned to the government as well as unemployment. compensation.

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 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX, and XXXX. The following collection agency PORTFOLIO RECOVERY located at XXXX XXXX XXXX XXXX XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication and is unwilling to produce evidence of legal validation. The accounts are listed below. 
Account XXXX Account XXXX Account XXXX Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mirand Response Systems, Inc.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX  repeatedly ( probably over 2 dozen times ) about debt owed by my deceased mother ( amount : {$520.00} ). I am not legally next of kin as my parents were still married at the time of her death. She passed away on XX/XX/2020. In order to get them to stop pestering me, I emailed XXXX XXXX  and informed them that she had passed away, that I am not legally next of kin, and that I wanted them to cease all communication on XX/XX/2020. I attached a scan of a certified death certificate. 
They responded on XX/XX/2020, and demanded that I go to the nearest branch location with an original death certificate. 
I emailed back the same day and repeated : I am not legally next of kin, and I do not have an official death certificate, just a scan. 
They continued harassing me, sending me weekly debt collection attempts. Frustrated, I finally wrote " wrong address, return to sender '' on the mail received and sent it back. It was addressed to my mother, thus it was true : they had the wrong address ; she never lived at my home. 
The letters stopped for a while after that, but today I received ( addressed to my mother, again at my address where she never lived ) an attempt to collect a debt from Mirand Response Systems. XXXX was fully aware that my mother did not live at this address, and never had, that she was deceased, that I did not want to be contacted, that I did not have a certified copy of the death certificate, and even had record of the legal next of kin ( name and mailing address which was listed on the death certificate I sent them ) .XXXX  should have given this information to Mirand when hiring them to attempt to collect the debt. Mirand included ALL of the details of my mother 's debt in the correspondence. This is not permitted per the FTC. They have no legal right to contact me, discuss the details of her debts with me, or collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was charged for a subscription when I thought I was making a one time purchase of an item. Subsequently, I was charged 6 times each month on XX/XX/2019 and for each month thereafter. I was never notified of the charges and they kept accumulating until I just noticed today. I never authorized these charges. I used to service one timely, because it was inaudible.

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 2020-04-20 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: MI

Complaint narrative:
Experian credit reporting refuses to investigate my certified mail that reflected for Experian to verify my signature of documentation associated with the account { XXXX XXXX }, certified mail was delivered on XX/XX/2020 XX/XX/2020

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
TImeline : XX/XX/XXXX - fradulent charge made to account XX/XX/XXXX - some fradulent charges cancelled XX/XX/XXXX - unresolved fradulent charge posted XX/XX/XXXX - fradulent charges cancelled XX/XX/XXXX - additional unresolved fradulent charge posted XXXX XXXX - fradulent charge still not resolved, impact to credit score due to late 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 monetary relief
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE. PLEASE RMEOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS CHARGES ARE NOT MINE, THIS ACCOUNT IS NOT MINE. PLEASE REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

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 2020-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Heritage Financial Group, Inc.
State: IN

Complaint narrative:
I have been laid off at the moment due to the covid 19 I have sent the screen shots from my work that has shown them that I have been off and havnt returned to work. I have already menchend to them that I am waiting for my unemployment or my stimulus check and that I will be able to arrange a payment plan and make payments on the car and they continue to harass me and mention that my car is the list to be repoed in XXXX. They have continue to send me letters in the mail. On Monday XX/XX/XXXX at XXXX they sent a gentle men named XXXX to my residence from XXXX XXXX XXXXXXXX XXXX  to make sure that the car is still here and to tell me that heritage is trying to get ahold of me which I have already known but their is no reason for this to continue to happen after I have already spoke to them about the situation and how i will be able to resolve it after i receive money. It worries me that they will take the only need of transportation that I have to get my child to his XXXX  appointments and to get his formula and wic and his diapers and wipes. It just puts so much stress on me trying make sure that I can have a vehicle to make it to work and back after the covid 19 is over to make it to work to provide for my family. I just want to be able to make sure that I can continue to provide for my family and we will be okay and reassured that I wont have to worry about losing my job or my car. The car is a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHECK INTO CASH INC.
State: KS

Complaint narrative:
I spoke to XXXX XXXX on XX/XX/XXXX. He stated that he was with XXXX XXXX, a company that is designed to help mediate between people that owe money to companies. He stated that I owed {$1400.00} to Check into Cash from XXXX and they were going to file Fraud and Theft charges against me if a payment was not made. He had my social security number, my wife 's name, and other information that sounded like it was a legitimate claim. He offered three different options to pay the loan off and I chose to pay using the third option which was a total amount of {$650.00} dollars. I explained to him I did not have a way to make the payment that day, I could call back tomorrow ( XX/XX/XXXX ) and make the payment. He suggested that I get a money card from XXXX to be able to make that payment. I went to XXXX to try to get a money card. There were none available. He told me that if he did not have a card on file, he would let Check into Cash know that I was not able to make payment and they would go forward with the charges. I asked him to please send me a copy of the debt that he has and he told me he could not until the transaction was finalized. He stated that he could push the payment off until the XXXX of XXXX if I gave him my card number and it would mitigate the charges Check into Cash planned on filing against me. I gave him my card number. He sent me to his supervisor XXXX XXXX. She reiterated the same information that he had given me and stated that if I called back XX/XX/XXXX with the payment they would be able to lower the payment. When I called to make the payment on XX/XX/XXXX, I spoke directly with her and I told her I could make a payment today and she put me on hold and immediately took out the full {$650.00} dollars. She stated an email would be sent to me verifying that the amount was paid in full within 24 hours. I never received an email. I called this morning, XX/XX/XXXX to see if there was an issue with the email, the number goes straight to voicemail then tells you the voice mail is full and there is no way to leave a message. The money was pulled out of my account on XX/XX/XXXX as going to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
My account with CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, account ending in # XXXX was placed for collections. This account is being handled by XXXX XXXX, a NJ based attorney. This company/attorney did not report by balance correctly as I have made 4 payments of {$480.00} and 1 for {$290.00} for a total of {$2400.00} via wage garnishment. The original amount I owed was only {$1800.00}. After repeatedly trying to dispute this on my credit report, the company/attorney never reported by balance accurately. This has precluded me from obtaining a car loan with a decent interest rate. I have documentation to prove all payments in excess of my original balance were made. I recently tried to dispute the item and yet again the company/attorney reported this account with a balance of {$1600.00}. I can not seem to have this accurately reported and the credit bureau websites will not allow me to continue to dispute the same account. I also tried to contact the original attorney XXXX XXXX XXXX and could not reach them via telephone during normal business hours. I received an automated recorded message each time I called to settle. Before I knew it, my wages were garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: VT

Complaint narrative:
This compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, Equifax & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, Equifax and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I filed a dispute about charges and never heard anything from Chase until I got a bill showing these charges. I sent them a email letting them know I disputed these charges and they said we mailed you a letter needing info and never received anything back. I advised I never received anything from them. So they needed to dispute those charges again. The total amount is {$290.00} I keep sending them a email and all they say is we will look into it. I advised to them I have a payment coming up due which comes from this dispute. When I bring this up they never say anything about this. A credit has not been put on the account to stop payments being due. A payment is due by XX/XX/XXXX. This has been going on with them since last week. I have tried to call them but, they have extended wait times. I'm sending them anywhere from 2-4 emails per day trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Byrider Franchising, LLC
State: MI

Complaint narrative:
In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on XXXX XXXX. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by JD Byrider/ CNAC 's, a complaint was made to Attorney General 's office. Again, JD Byrider requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and XXXX  with no resolution on XX/XX/XXXX. On XX/XX/XXXX, XXXX  replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Late XXXX I purchased a XXXX  online at Best Buy and I chose next day pick up..I picked it up next day..Few days later I was charged for a second XXXX that was going to be mailed to my home, but the XXXX never came..I did not make that purchase..I mailed the credit card through the website and explained what happened and they took off the second charge..but a month later it was back on my account..Ive been messaging back and forth for 4 months now but I keep getting automated messages saying its been cleared up but it has not, the charge remains on my account

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I can't get my equifax credit report. I have tried logging in online and it asks me to call their toll free number. When I call them their automated system can't verify who I am. Speaking to a rep doesn't help either none of the challenge questions they have for me match my real situation. I just want my credit report so I can fix it and see what the issues are.

Company response to consumer: Closed with explanation