vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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: NY

Complaint narrative:
I attempted to pay a Nelnet loan group in full on XX/XX/2019. I tried to pay by debit card but Nelnet said that my account number on file was sufficient. Several days later, the payment wasnt processed and declined. I called Nelnet to make the payment by debit card and the debit card was declined. I increased my debit card limit to pay the loan group successfully and I call Nelnet again and they said it is US Department of Education/Nelnet policy not to let me make a payment more than {$2000.00}. Im begging for Nelnet to accept my payment so I dont accrue any further interest in this loan group. This is sadism.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One - unauthorized transaction Capital One XXXX XXXX withdrew {$850.00} from my account. Called Capital One as I do not have an auto loan with them. I was told by Capital One to call my bank as they did not find an auto loan account under my name. I spent over an hour on the phone with Capital One and no one can explain how they got my account number or why they stole money from me for an account I do not have with them. I was told there is nothing they can do to return the money as I do not have an auto loan with them. So how are they able to withdraw {$850.00} from my checking account?? 

I have other bills that are going to be due soon and I will not be able to pay those bills? When I get insufficient fund charges I believe that Capital One should have to pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
XXXX XXXX at Transunion who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and XXXX for a violation of the fair credit reporting act and fair debt collection practices act.

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 2019-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc.

Complaint narrative:
I am running a XXXX company and I have a customer based in the USA. My customer advised me to use the financial service Veem.com to request payments due when I issue my invoices to them. It all worked fine until I changed my bank to XXXX XXXX. Since XXXX  is based in the XXXX, I had to change my bank country to the XXXX and after that, the only bank details that I was able to supply were the account number and sort code. These details are normally only valid for domestic transfers, but I am not a financial professional and didn't pay enough attention. The payment for my latest invoice was marked by Veem as " completed '' on the XXXX of XX/XX/2019. I usually get the payment cleared on my bank account within a day. I haven't received any money and I got in touch with XXXX. They couldn't trace any incoming payment and asked me to request the XXXX document from Veem. I asked Veem the same and the only thing I got from them was a screenshot from their system. After analysing that screenshot, I figured out that Veem didn't make a domestic XXXX payment but used SWIFT to complete the international transfer and they used the wrong IBAN number. Clearly, they use an unreliable IBAN calculator. There's no reliable way to generate a XXXX IBAN number from domestic bank credentials. 

Now, it's been three weeks. I get in touch with Veem every second day. They keep telling me the same - they recalled the funds and nothing happened, they are asking their bank for XXXX but they couldn't get it for unknown reasons. I suspect that Veem has lost my money and they are not willing to resolve the situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/2019 I submitted payment electronically to TD Bank USA N.A who is the finance company for the Target Card. On XX/XX/2019 the payment posted to my checking account and the funds were electronically withdrawn by TD Bank. On XX/XX/2019 I reached out to the bank to ask why if the funds had come out of my account have they not applied the payment. I was told to either wait or I could in a conference type call with them, we could call my bank and with them on the phone listening to my conversation have the bank state funds were debited and they would credit my account. Its now the 9 so 10 days since payment was paid and TD Bank still is refusing to credit my account unless I contact my bank ... I really feel like this has to be borderline illegal ... Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have been in contact with my lender Loan Depot regarding a payoff/ Reinstatement and have been refused this info. I was told they cant provide me estimated figures and Loan Depot also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Loan Depot as well as the foreclosing attorney/trustee XXXX XXXX. I stated to Loan Depot what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Loan Depot that they do not even want to see the approval. They do not care. I have spoken to countless reps within Loan Depots institution, including supervisors, and no one has done anything to assist me. ( supervisor Mr. XXXX, XXXX, Mrs. XXXX id XXXX, etc ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Loan Depot is discriminating against me based on my race, ethnicity, sex, national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I finally sent my info to the attorneys office to see if there is any way they can assist me with keeping my home since I have the proof that I am being given a new loan to pay off the delinquent one and get a fresh start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This is in regards to Account # XXXX with Ideal Collection Service. I recently disputed this item reporting inaccurately on my credit reports with XXXX, XXXX, and XXXX and the item came back verified by your company. However, on the results from the bureaus there is a different address reporting for the item on XXXX and on XXXX. On XXXX the address for the item is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND on XXXX for the SAME ACCOUNT the address is reporting XXXX XXXX XXXX XXXX, FL XXXX. This is information is obviously not accurate and certainly very confusing to the consumer and there are supposed to be by law specific policies and procedures in place for these types of things. I am being harmed financially due to this item and it is being reported inaccurately. Since in my original letter I asked that if the item was not reporting 100 % accurate to please have it deleted and it is not reporting accurately I am asking that this item please be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
XXXX XXXX at XXXX who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and Equifax for a violation of the fair credit reporting act and fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Credit Bureau Collection Services, Inc.
State: KS

Complaint narrative:
XXXX is reporting a collections account for CBCS on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
Equifax is reporting a collections account for XXXX  on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX ON THESE DATES I RECEIVED INQUIRIES ON MY ACCOUNT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I filed a complaint on this issue with consumer finance 2 months ago and was told that a debt collector would transfer a debt to the previous creditor becauae they refused to help me. I did not receive any verification of that transfer of that credit as I had requested. 
It is regarding XXXX XXXX XXXX of XXXX. I disputed this and have been waiting for them to contact via mail with conformation. I did not receive that. This should never have been sent to another creditor. The total is for {$760.00}. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAB Receivables, Inc.
State: CA

Complaint narrative:
I had a student loan back in the 1980 's however I was hit by a vehicle which left me permanently XXXX no longer can work and the loan was discharged, however this credit collections agency keeps taking XXXX per month from my social security check witch leaves me short every month, this needs to stop.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.

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 2019-09-09 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NV

Complaint narrative:
I was not notified about this debt in order to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.

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 2019-09-09 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.

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 2019-09-09 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: The CBE Group, Inc.
State: KS

Complaint narrative:
this company is violating the fair credit reporting act by listing a fraudulent account which is not mine on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Paramount Capital Group, Inc.
State: KS

Complaint narrative:
This company is violating the fair credit reporting act by listing a fraudulent account which is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: REGIONS FINANCIAL CORPORATION
State: KS

Complaint narrative:
this company is violating the fair credit reporting act by listing a fraudulent account which is not mine.

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 2019-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: VA

Complaint narrative:
SO i started with fedloan the consodilation on XX/XX/31 my name is XXXX XXXX i was told i had to pay XXXX for the first 3 months after my first payment i found out the XXXX $ was never even going towards my loan in which i was super upset about because the man XXXX never explained that to me in which i assumed it goes towards my loan because why else would i be ok sending XXXX $ After being upset about that another teller explained that they are better than navient because they dont charge interest for paying back the loan so i should stick with them remind you this is almost verbatim of what he said so i thought well no interest i can spare XXXX $ for that after paying all 3 payments i was told i only dont have to pay interest for the first 3 years in which that completely upset me because it was one of the reasons i didnt go back on the whole process in the beginning. Then afer all this i start seeing interest accumulating on my account now up to XXXX $ when i complained they told me that consolidation is not done yet and that is why i am getting interest so now im completely furious by now since this is far from the deal now the 90 days has been passed and it has now been 101 days and literally daily they are accumulating interest saying it wont stop until its completed. Im upset that i ever even paid XXXX $ for this flock of lies. I honestly am not okay with none of this situation and want to see what someone can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
This company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

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 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-09-09 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: KS

Complaint narrative:
This company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
This company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

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