vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: Nelnet, Inc.
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

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 2017-09-18 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: CA

Complaint narrative:
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

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 2017-09-18 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: CA

Complaint narrative:
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comentity Bank/XXXX XXXX was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis
State: GA

Complaint narrative:
CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I enrolled in XXXX XXXX all my account information has been changed contacts with company give me additional things I must do no assistance. They say have no record of my complaints accounts I bring up to them they say do n't exist. I lost many bit coins through idenity theft on line and in personal home from theft. Insurance company XXXX XXXX says they do n't cover. XXXX XXXX  does n't investigate and contacts with them have been deleted. All my personal accounts and emails have been changed unable to recover or taken over XXXX will not respond. XXXX has input trackers in my computers and cant get priority emails from any carrier I am loosing my carrier and my sanity. I am not getting professional links from XXXX and others cant navigate my finances have been effected to near bankruptcy all poss. in credit records deleted and all negatives from medical old ones have been put in place and I had insurance. I can get no credit from banks for financing projects. Transfers of funds and securities I have initiated all info has been lost due to cyber attack. XXXX has not acted when my phones have been cloned and have given me experimental phones which have caused lost data I have been through 8 computers and as many as 20 phones in 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I would like to see Congress take strong steps to protect consumers from data breaches such as the recent Equifax breach. These breaches are becoming common with costs borne by consumers and the offending companies bearing little responsibility. My family was affected by the recent Equifax date breach and it has been frustrating, difficult and expensive to freeze our credit. XXXX in particular views seems to view this incident as an opportunity to enrich themselves with difficult and costly procedures to freeze credit. When we need to unfreeze our credit we will be faced with additional fees. It is time for Congress to act on behalf of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My loan was transferred from XXXX to Wells Fargo in XXXX of XXXX. Wells had my loan for approximately 10-years. They recently forwarded my loan to XXXX XXXX XXXX ( XXXX ) with a balance of {$230000.00}. 

There seems to be some discrepancy with the payments made to Wells Fargo. The balance forwarded to XXXX does n't seem to have deducted the amount of money that 's been paid to Wells over the 10-year time frame. 

So, I need an account of ALL payments made to Wells Fargo from the time they received the loan from XXXX XXXX of XXXX to when they transferred my loan to XXXX in XXXX of 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 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CapitalOne continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt ( NOT A BILL STATEMENT ). This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX I logged into my XXXX credit card account to make my regular monthly payment that was due on XX/XX/XXXX. When I went and checked the account on yesterday for a recent charge, I noticed that I had received a late charge even though my payment was made on its actual due date. I called XXXX customer service this morning Monday, XX/XX/XXXX and advised them that a late fee have been applied in error. I spoke with a representative named XXXX. XXXX was not empathetic at all and told me that he would not be able to reverse the late fee for me. I explained to him that my payment was made on time and that I believe that it was illegal of them to charge a late fee when the payment was made on the date that it was due. XXXX advised that because the payment was made after a cut-off time of XXXX XXXX CST that my payment was considered late. I advised him that I was not aware of a cut-off time for making your payment and that if I was only an hour late of the alleged cutoff time, I still believe that that warranted a late fee waiver. XXXX said that no it did not and was not empathetic. I then mentioned that I was going to have my bank pay off this credit card account and that I would be submitting this complaint. XXXX then transferred the call to his manager, XXXX and proceeded to discuss the situation with me. XXXX was also not empathetic and did nothing to resolve the situation. He refused to waive the late fee.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft and I have had a fraud alert with the credit bureaus ; specifically Equifax since XX/XX/XXXX. I have completed an identity theft report, police report and affidavit that has been on file with Equifax and the company has all my information. I submitted a request in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for Equifax to block reporting information per the Fair Credit Reporting Act ( XXXX  ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] due to identity theft. Equifax has ignored my requests repeatedly. However, I was under the impression that this information was blocked because the information was not reported on my Equifax credit report through XXXX credit monitoring company. When I learned of the Equifax data breach, I retrieved another Equifax credit report ( free ) through Annual Credit Report and Equifax did not block the fraudulent information and it still remains on my report. I contacted the Fraud Victim Assistance department on XX/XX/XXXX and was told by an agent that the was not fully blocked from my credit report. After contacting Equifax for three months, this agency is still in violation of law and refuse to block fraudulent information from my credit file. More importantly, this information could negatively affect my employment from federal background investigations and obtaining credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Here is the information provided by your organization regarding inquires : An inquiry refers to a request to look at your credit file, and it generally falls into one of two types : Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.
This is the definition of the two types of inquiries used consistently when researching about the impact of inquiries on credit scores. I am concerned that Navy Federal Credit Union does a hard inquiry on credit reports when changes are requested on existing accounts such as credit limit increases. This practice has a negative impact on credit scores for an extensive amount of time ( 2 years ) and is n't a fair practice for consumers. A credit limit increase is typically not considered a new application by most financial institutions and should not be viewed as such. Please review this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is offering the credit monitoring due to their negligence. I went to the site to register and I am uncomfortable re-submitting very delicate information that they already have. I went through their first step of checking whether my information has bee compromised - and it has been, in addition to my XXXX  adult children and my husband 's info. 

Should n't they just be offering this monitoring without citizens having to re-submit the information they have? I am not comfortable putting all that information into their " fix '' website. 

This has effected half the country. They need to be arrested and those that are left need to step up and fix this ASAP. 

Please review this. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage is serviced by LoanCare and from the beginning it has been an absolute nightmare. Our monthly payment should have been around {$1800.00} however our first payment and every one thereafter for 3 years was {$1700.00} according to the statements they sent us. I inquired about it and was told that was the correct amount due, {$1700.00}. SO that is what we paid, every month, on time for 3 years. Now all of a sudden our payment has jumped to over {$2000.00} because they realized they were not charging us PMI as they should have been all of this time. We have continued to pay our {$1700.00} because we were not notified of the change. Now our loan is in default and we are getting warning letters. I do not feel that because loancare screwed up for 3 years that is now our fault. I do n't mind paying the new payment amount of {$1800.00} going forward but I should not be responsible for their error for the past 3 years and be made to catch up immediately. Futhermore, they are no longer posting our payments. I made my XX/XX/XXXX payment and it cleared my checking account, they cashed the check but they will not apply it to the loan! Now my credit is affected poorly. A quick XXXX search of loancare will provide you with numerous other customers in my same situation.

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: NC

Complaint narrative:
In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.

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 2017-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX XXXX had a total loss on a car that I purchased in XXXX the other company that was at fault XXXX auto pay them with the car was worth however Santander USA still says I owe over {$10000.00} at an interest rate of 17 % and they still charge me interest rate a daily interest rate as well a monthly payment of XXXX which I think is well over the federal law interest rate in Florida I tried to offer settlement because I can not still pay on the car do not have and at the time I was not working because of the car accident injuries they denied a settlement offer and it still charge me a daily interest rate FL from what I have paid and what the USA or have paid them in the car as well pay for. I was also infected by hurricane Irma, still consumer financial will not accept settlement and or no payment relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: WI

Complaint narrative:
The Equifax data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to Equifax 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with  any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX  right?

Company response to consumer: Closed with explanation