vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, a collection Agent for PHEAA, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a XXXX XXXX XXXX that was paid off but had been manipulated to create the current debt and was assigned to XXXX XXXX  for collection. 

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that PHEAA has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires PHEAA to offset my tax only with a court order and PHEAA does not have the court order. GC Services, PHEAA 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith. 

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but XXXX XXXX never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed XXXX XXXX received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX  was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me. 

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by XXXX XXXX, the certified agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been dealing with an issue between XXXX XXXX and trans union. Going back and forth since XX/XX/XXXX. My XXXX XXXX account dropped XXXX points the day one of the parties closed my account in error. Trans union is XXXX and visa versa. The should handle instead of placing blame elsewhere. My XXXX account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called XXXX and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my 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 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been working full time with a PSLF-qualified employer and making qualifying payments since XX/XX/XXXX. When my loans were from transferred to XXXX, XXXX did not count all of the qualifying payments. A request to review my case was submitted by a fedloan representative XX/XX/XXXX, but my case has not been reviewed. Additionally, through the XXXX website, I am unable to access past PSLF employer certification forms I submitted and I can not access information on payments that were made during the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX of XXXX Florida has sent me multiple request to pay {$4100.00} these are allegedly for XXXX services as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. The only thing that is wrong is that they're a fraud. I've contacted the medical group allegedly involved and first and foremost I owe nothing not dollar one, secondly the medical group has no idea who these people are. 


Obviously XXXX XXXX XXXX is a fictions company trying to scare me into paying a debt I do not owe. They have committed mail fraud and are attempting to scam me out of {$4100.00}

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 2019-03-11 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery calls multiple times per day sometimes leaving messages sometimes not. I have asked them to stop calling or send me bills that show what they are collecting for. I believe this is not legitimate debt and they have shown nothing to substantiate there claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've been back to different branches and I always get the same answer. " We can't find it, tough luck huh. '' I've gone through a few state agencies and now I am almost at the end of options.

This complaint is about a CD that my mother had with a bank when she was living. We tried extensively with several of the branches but to no avail.

We cashed in one but they are saying they can't find the other one.

My mother has since passed on and I am trying to to get them to do the right thing.

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2019 a check was filled out using my name and checking account information in the amount of XXXX in the last name XXXX and was mobile deposited into a XXXX XXXX account. My bank TD Bank was not authorized to RELEASE these funds because the check was bogus and the name didn't match my name used on my checks. This is the 4th time my account has been compromised and I should of switched banks years ago! I'm told now that I will have to wait a total of 100 Days to be reimbursed. This is not my problem and the bank should give me a provision credit but is refusing to do so! I live pay check to pay check so this truly is affecting my family not being able to pay our rent! instead I paid someone else rent? 
Please help Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion received my request through XXXX XXXX on XX/XX/XXXX andI was informed that TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. I was told that when the investigation is completed, they ( Transunion / XXXX XXXX ) will provide me with a response and/or a copy of my updated credit report to notify me of the results. 

File Number : XXXX. 
Dispute : XXXX XXXX XXXX - Reported on XX/XX/XXXX - {$9300.00} Dispute Reason : Accuracy : The contract related to this account has been cancelled. 

I have not recieved a response from Transunion. I filed a complaint with XXXX XXXX on XX/XX/XXXX via email. This dispute is nearing 1 year old.

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 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NE

Complaint narrative:
I'm eligible for public service loan forgiveness and XXXX haven't credited me all the payments. They sent me a letter in XXXX of XXXX acknowledging I had been at a qualified employer from XXXX ( when I originated the refinance loan ) until present. They didn't credit me with any payments before XXXX, when the loan was transferred to them. Which meant they had not given me credit for all the payments. They said I had XXXX payments. I called and they said they'd start a review for the other payments. That was in XXXX of XXXX and the review is still not completed. In XXXX of XXXX I submitted an employment certification for XX/XX/XXXX - XX/XX/XXXX and submitted the PSLF application. They rejected the application saying I had only made XXXX qualifying payments, even though they had previously certified XXXX payments. I've called several times and they just say to wait. I've even submitted a credit report showing on time payments since XXXX to my student loan providers. They've already acknowledged that I was working for a qualified employer and yet they haven't processed the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have no idea who Diversified Consultants Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Diversified Consultants Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Diversified Consultants Inc as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ Diversified Consultants Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Diversified Consultants Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have requested an investigation be completed by XXXX, XXXX, and XXXX   to request the data furnisher of my student loans, Nelnet Inc. report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by XXXX XXXX. I found the following errors : The XXXX and XXXX payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in XXXX  180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech continues to send a statement that shows a past due amount for insurance of XXXX That was already paid with the XX/XX/2019 pmt. on XX/XX/2019. 
This has been addressed with the Ditech company 2 times on approx, XX/XX/XXXX. 
Was assured by the representative that an amended and corrected statement would be sent within 24hrs. plus mailing time. 
I received another statement on XX/XX/XXXX that reflected the same incorrect XXXX Past Due plus the current insurance amount. of XXXX. 
Upon phone call on XX/XX/2019 I was told that the funds were being reallocated and that I should wait on the next statement to see if it was corrected. Next statement should be arriving before XX/XX/XXXX which is past the scheduled payment date of XX/XX/XXXX. 
This is unfair credit reporting.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: AES/PHEAA
State: IA

Complaint narrative:
I was enrolled in XXXX XXXX XXXX University in a XXXX 's program. I received an excess funds payment on my last term. Two weeks later, I was blocked from my student class because I was informed I had a balance due. I was unable to resolve the situation. I kept asking why I received the excess funds refund when there was a balance due. I had to drop from the program as this was my final capstone class. I could not get anyone to explain why I received a refund when there was a balance due. I can not afford to pay the balance as I am low income. I received a letter from legal counsel of XXXX stating I owe {$1700.00} and if not resolved, this matter may be placed with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. I have not ever received serves from this company. When I called American Profit Recovery that sent the letter, I asked what the date, animal and who authorized care with a signature was. I was told they would supply no information to me and I owed the amount of {$100.00}. APR told me the matter would be dealt with by XXXX, not them since I dispute the debt. 
I would also like to know how my information, address, was found by this company since I have not ever used their services. I was a prior employee of XXXX XXXX XXXX, who owns XXXX, and I am concerned that they have gotten my new address somehow and are attempting to bully me into paying a bill that is not mine because I left their company nearly 3 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX my credit card statement cut saying I had a minimum payment due of {$38.00} on XX/XX/XXXX. 

After that statement cut, on the same day, I paid the {$38.00} payment, dated XX/XX/XXXX. 

Today, XX/XX/XXXX, I see that I was charged a {$37.00} late fee, and my account is " Past due '' because they did not receive a payment by XX/XX/XXXX. However, there was a payment on XX/XX/XXXX AFTER the statement was available ( That's how I knew the amount, and clicked " Payments '' -> '' Minimum Amount Due '' -> '' {$38.00} '' ->Pay ). 


In a panic of the late payment notification, I made a payment for {$110.00}. After going back and looking through my statements, I realized I DID make the payment and was wrongfully charged. 

After escalating to a supervisor, Wells Fargo essentially told me that if I " wouldn't have made a payment on my statement date, ( I ) wouldn't have this problem ''. WHAT? What kind of credit card company doesn't encourage payments? 

I have credit card accounts at every other bank, and I always make payments on the statement date. I believe this is deceptive and not in consumers ' best interests to be charged fees and be marked " past due '' when the reality is the payment was made about as " on time '' as you can get. I've been a Wells Fargo customer ( deposit ) since XX/XX/XXXX, and I'm planning on ending that relationship over a mere {$37.00} and deceptive practices.

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 2019-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In 2017 I requested to have my cosigner removed from my loan. During my telephone conversation with the customer service rep, she advised I would need to make 12 consecutive on time payments in order to do so. This has been done but when I asked after the 12 months they informed me I will NOT be able to remove the cosigner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a problem with a Sears Card that I have had for 30 years. When I was married to my xhusband Sears allowed him to charge without my consent over 5000 in tools. When we separated and finally divorced the account was only in my name and I was left paying off the balance, which I have now done. I was offered a settlement amount that was {$400.00} less than the amount I paid to close the account out. I asked only that the late fees we waived in the amount of {$140.00} and they are now refusing to waive the fees. At this point I want every receipt that they allowed him to sign for to be returned to me if they can not zero this account out.

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