vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I am in a revised pay as you earn plan. The plan, as known in the loan documents, caps your repayments at 10 % of income and provides a set amount per month.     For the pas t ~18 months , I have been repaying my loans without incident. Recently,  Nel Net has  begun assessing the payments for different groups at different times. What this has resulted in is a monthly amount that exceeds the minimum monthly payment.     This should not be compliant with the purpose of the payment plan in use.     What it creates is a situation where i have to pay the minimum amount and then am charged an additional repayment amount for a different group set.     I do not find their explanation of this change availing. I was never assessed a separate amount for the previ ous two years that  I have been repaying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services
State: CA

Complaint narrative:
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my  credit score,  and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
After many calls with this company, southern management systems, i was told to send in a dispute in writing which i did after they received the dispute they said they would only remove a couple of things from the move out bill when i asked them why, all they said was that the apartment company would only remove those, when i asked to speak to the apartment complex so i can understand why, they refused to give me any numbers and said all discussions must be through them but i have been hung up on by this company at least ten times. Managed to finally speak to a supervisor/manager who kind of helped out and said to re dispute the newest letter, which i did but now they are saying they did n't receive it, but thats not my fault i could n't send it registered/certified mail because the only address they will give me is a  XXXX   XXXX   XXXX      now they have reported me to the credit bureaus not only on my credit report but on my daughters as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
The  one company that finally responded to my client, Real Time Resolutions after  having the false loan since  XXXX   XXXX ,  XXXX ,, did so after it transferred the alleged loan to  XXXX   XXXX , that has had this false debt since  XXXX   XXXX ,  XXXX . I have learned that another debt collection company also had this false loan prior to  Real Time.  None of these companies contacted my client. My client had hired another service to help her and that company found the alleged debt and the collection companies on her credit report. My client tried to speak to the collection companies by phone, but was told that " the loan balance '' was owed by her.     In summary, my client entered into a land installment contract in  XXXX  ; was in the property for approxima tely 24 to 30 months ; was then locked out of the home and the land contract was terminated of record  and withdrawn. She was never deeded the property, therefore, she does not owe any money and, secondly, the property has been sold to another company for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Need proof showing my  XXXX  score was a  XXXX  on    XXXX   XXXX  ..i tried several times to get proof from the manager and I 'm not getting anywhere..i also asked for papers showing I did n't close on the house and have n't got those either ..

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 2017-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I started my debt resolution program through  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX , which included my Navient private loan. Initial contact by  XXXX  to Navient for this particular student loan account was initiated on  XXXX . Last contact was made in  XXXX . I have been receiving calls at least twice a day from  Navient  for the last few months to try and resolve this debt. On  XXXX / XXXX / XXXX , I spoke with  XXXX  from Navient, the account manager assigned to my account, and I had let her know that I am resolving my debt through  XXXX  and contact should be made through them ( my account profile reflects  XXXX  's phone number and mailing address for Navient to contact ). I also let  XXXX  know that if I am contacted again by Navient regarding this particular account, that I will file a complaint with the Attorney General and the FTC. She had mentioned that  XXXX  has yet to contact them. I spoke with  XXXX  on the same day and I was told by an account rep that they have been in contact with Navient and have already submitted the proper documents to initiate the negotiation process. Since  XXXX / XXXX / XXXX , I have received multiple phone calls each week from  Navient  in the month of  XXXX  asking me to still resolve my debt. I spoke with another representative today,  XXXX / XXXX / XXXX , and had stated again, that I am working with  XXXX  to resolve my debt and that all contact should be made through them. This is now harassment from them as they keep calling when I have respectfully directed them to work with  XXXX  for this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to  Transunion  and  XXXX  on    XXXX   XXXX   . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in    XXXX   XXXX     . I was never notified by either Transunion or   XXXX   in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on   XXXX   XXXX  . I looked at my credit report today and found that for the  XXXX  time on   XXXX   XXXX   this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express o ffered a rewards points for spending, and paying a {$500.00} annual fee. I have had the account for over 6 months, a member of theirs f or 12+ years. When I actually tried to use the points that I accrued, they said they needed to investigate and have held them for up to 10 we eks for some arbitrary investigation. I applied and paid {$500.00} on the promise that I would receive and be able to use my points from spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to   XXXX   and Equifax on    XXXX   XXXX    It was removed by both  XXXX  and Equifax. It reappeared under another collection agency name  XXXX  in   XXXX   XXXX    . I was never notified by either  XXXX  or Equifax in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on  XXXX   XXXX . I looked at my credit report today and found that for the  XXXX  time on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have contacted this company so many time and I was told to send in paperwork that I have sent in over  5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I h ad a Sears cre dit card. It was last used in   XX/XX/XXXX  or    XX/XX/XXXX . I we nt through a divorce and financial hardship and was not able to pay this bill. When I explained to  Sears  what was going on I never heard from them again. They mentioned garnishing my wages but it never happened. After I put myself through school and am now back on my feet financially I have reached out to  Sears  to take care of this debt. I was informed by  Sears  customer service I needed to talk to Sears recovery. After talking to recove ry 4 tim es I was informed it was filed as  XXXX  in   XX/XX/XXXX  a nd I could not settle the account or make any payments on the account because of the  XXXX . I was then told to write a letter to Citibank because recovery believed it should show a   XXXX    balan ce on my credit report. I wrote a letter to  Citibank  explaining what I knew and what I was told by  Sears   Recovery. I was sent a letter back asking for the credit card number. I could not obtain  that number because  Sears  in not permitted to give that kind of info out or did n't have access to it. I did get the la st   XXXX   digits tha t are listed on my credit report from a lender I am dealing with. I returned a letter to Citibank with the info I had obtained and my social security number ( that 's how everyone else looked up the account ). I explained why I could n't get the full card number. I explained what I was trying to do and just like the previous letter offered to make payments or a settlement amount or even pay the whole thing. I have not received any communication from them since. I waite d 3 we eks and sent the letter again. I still have not had any communication with  Citibank to this date. I just want to try to get this resolved and fix my credit.

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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Acquired a merchandise loan with  XXXX   XXXX   XXXX  in  XXXX  of    2016 for { $2000.00}. The merchandise was returned  two  weeks after purchase, and been trying to get my final balance since the merchandise was return ed. Monterey Financial  handles the accounts and are the one reporting on my credit. I 've been back and forward with this company regarding this account, but company is very rude and insist the I pay them a balance of {$5900.00} for merchandise that was returned. I 've even contacted all   XXXX   credit companies but nothing seems to happen . Monterey Financial refuses to give final balance, and remove account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: IL

Complaint narrative:
I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I submitted an application for  Public Service Loan Forgiveness ( PSLF ) to FedLoan Servicing. I have not been credited the correct number of payments for my current employment. I called FedLoan Servicing and was informed that I was not eligible for PSLF with my current employer (   XXXX   XXXX   ),  which is why my payments are not credited. However,  3 payme nts for  XXXX  loan and  2 fo r the other were credited according to the statement I received. It does not make sense why there would be differing numbers of qualifying payments.     I am also confused as to when I entered into a qualifying payment plan  for PSLF as the National Student Loan Data System only has information for my current repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: NM

Complaint narrative:
MIP was increased a second time without any notice. I realized online while trying to pay XX/XX/XXXXt due mortgage premium. I would like to protest the MIP increase until I have a detailed notice with increase calculation and the option to verify my tax and insurance payments. In the past, I have been able to lower my insurance premium and still meet the mortgagor 's guidelines for coverage. 

Also, the last time my MIP was increased it was in the thousands of dollars due to Country Place Mortgages ' error, and I had to contact HUD to advocate might rights. Country Place Mortgage has not taken any action to remedy the errors and hardship they cause consumers. Country Place mortgage improperly reported me negative on my credit and I had to involve HUD yet again to get them to remove the negative rating. This company continues to cause me undue stress and I would ultimately like to have my mortgage moved to a lender that actually provides customer service and has a vested interest in their customers. 

XXXX 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 2017-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
On  XXXX   XXXX ,  XXXX  at    XXXX   XXXX   .  EST,  I contacted  Citizens B ank regarding my inability to pay my loan for a    XXXX   XXXX   XXXX  .  The payment is due on the  XXXX  of the month. I was told by a representative of the bank that their systems were being revised and that they would be not be able to process a payment until this week. I was also told that our automatic payment system would be revised on  XXXX   XXXX ,  XXXX . I was given a reference number :  XXXX , and told that fees for a telephone payment would be waived.     With this information, I assumed that the payment would be deducted on  XXXX   XXXX . It was not.     I contacted  Citizens  Bank today, and I was told that they did not have any record of the conversation and that the reference numbe r I  submitted did not substantiate anything. I was further told that the fee would be waived, as the website was still not working  (  more on that ). After being transferred to a supervisor, I was told that the website does work and was given instruction oh how to use the website as  four  additional numerals are required in addition to my account number. I then asked about forced interested that I had to pay as a result of the computer problems. The supervisor said I was too stupid to use the website correctly. I ended the call shortly thereafter.     I am unaware and have no confidence that the telephone payment fee will be waived, that automatic debit payments will occur, and lost interest that I was forced to pay to this company will be returned.     This company claims the following information to be true :  Citizens  Bank is a brand name of  Citizens Bank, N.A . ( NMLS ID #  XXXX  ) and  Citizens Bank of Pen nsylvania  (  NMLS ID #  XXXX  ).   Citizens Bank corporate headquarters :  XXXX   XXXX   XXXX ,  XXXX , RI  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to m e, Trans Unio  n cre dit bureau issued the report that was used to determine my credit evaluation.   Sect ion 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccur ate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX    XXXX  #  XXXX   2.   XXXX   XXXX   XXXX    XXXX   #  XXXX   3.    XXXX   XXXX   #  XXXX  4.  XXXX   XXXX   #  XXXX  5.   XXXX   XXXX    XXXX    XXXX  6.   XXXX   XXXX   XXXX   #  XXXX   7.   XXXX   XXXX   XXXX   #  XXXX  MY CURRENT ADDRESS IS  XXXX   XXXX   XXXX ,  XXXX , OHIO  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