vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Starting in 2016 I have received monthly recurring charges on my XXXX XXXX debit card. The charges initially were for XXXX from XXXX XXXX. Once I noticed the charges I would contact Google from the number listed on my statement. They would go over my existing google accounts and find out that I had no method of payment listed on those accounts, as I could tell them myself. Then would then issue a refund for the charges and tell me to contact my bank and have a new card issued. I went through this process 3 times over the past year and a half. On the fourth time I noticed that several other charges had been processed along with the monthly recurring charge. I contacted my bank and together we called google billing support to investigate and see if they could block future charges from going through. The representative was singularly nasty and hung up after saying that it was my bank 's responsibility. They did not even take my information to confirm the ongoing case. I have since closed that bank account and switch banks because of this. XXXX I believe did a good faith effort to resolve things, but Google has shown little initiative in finding the root cause of this. Four attempts are more than enough. I have a case number from google and two fraud case reference numbers from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score dropped from XXXX to XXXX in 1 day with no changes to my credit report. When I called equifax to find out they told me due to factors is why this change could happen. But, no negative changes occurred. It doesnt make sense for my score to drop XXXX points. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: LA

Complaint narrative:
I received student loans subsidized and unsubsidized and consolidated them and started to repay the loans in XXXX. 

I have requested that Nelnet send me an amortization schedule and have not yet received this information. There is no consistent amount applied to interest or principle. My original loan after consolidation fee was {$30000.00}. As of XX/XX/XXXX I have paid {$24000.00} of that payment {$16000.00} was applied to interest and {$7000.00} has been applied to principle. My current principal balance is {$33000.00} which is {$2400.00} more than my original loan balance. 

When I call and ask about the fact that my principal has never been lowered. They tell me that it is because my loan has been put in forbearances multiple times. When I asked to see documentation of why this happened ; I was told this was a verbal agreement. I disagree with this because I have not asked for forbearances and feel like this is just an excuse to increase interest rates and capitalize interest. 

I feel like Nelnet is using fraudulent lending techniques to increase loan balances by capitalizing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
They are contacting my number looking for another individual. I have told them that I have had this number for 12 years and do not know this individual. The number calling me is XXXX. I asked for a copy of their do not call policy and was told that they could not give me that information. When I asked, they said they were using an autodialer and that the company 's name was Transworld System , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a lot of inquiries I didnt not apply for on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today XX/XX/18 my credit score went down XXXX points on my transunion credit report. There isnt any new negative information on my credit report that could cause this. When I called to find out why they told me that they couldnt give me a specific reason but to look at my credit report. I told them that there is no change to my report that could cause this. They told me they cant tell me why. This is insane.

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 2018-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Account XXXX is wrongfully appearing on my credit file on XXXX, XXXX & EQUIFAX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month,  additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! Thank you.

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 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 around XXXX PM PST, I came across a XXXX post selling tickets for a music festival. All contact info was included, so I reached out to the sender with the offer to buy immediately as long as proof of purchase would be included. 

I told the sender to send me proof of confirmation of the tickets that would have been sent to their email. They sent me a screenshot of the email receipt. I asked for further confirmation and they sent me another screenshot, which included the transaction and festival name. Basically, it looked like it came straight from the site. 

I asked for a photo of their ID and other contact info and they gave me their email and a picture of a California driver 's license that matched the email and buyer 's name in the screenshot. I asked for one other example of proof and they offered their social media handles which also matched. 

I asked how they would prefer to be paid ( considering the festival was already happening ) and they asked to use XXXX through Wells Fargo. I've been a Wells Fargo customer my entire life and have had nothing but a good experience with them. That being said, I trusted the introduction of XXXX to their mobile app. I found the seller via email and confirmed ( yes, twice ) that I wanted this money to be sent. The seller reassured me they'd screenshot the confirmation of getting the transaction as proof it went through for me before sending me the tickets to my email. 

I sent the money ( {$250.00} USD ) and the seller immediately stopped responding. I sent plenty of texts, calls, voicemails and even requested the money back, but obviously, the user had been deleted. 

After I waited on hold for 45 minutes with Wells Fargo to report the issue, I was promptly told that it was out of their hands. XXXX isn't " technically '' Wells Fargo, so they can't do any refunding or really any resolution whatsoever. Unfortunately, the only reasons I used XXXX is because I thought it was 1. A part of Wells Fargo in the first place and 2. Figured it would be just as trustworthy. 

I was told in under a minute and a half that there was nothing that could be done besides maybe call a customer service line and that was it.

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 2018-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company Equifax decided to not only " investigate '' the incorrect item, they've made no attempt to contact me by phone or email, and just today decided to drop my credit score 30 points in what looks to be retaliation for filing a complaint with the government. There is literally nothing in my report that would warrant a 30 point drop. I havent made any late payments, and havent applied for any loans, nothing. 
My phone number is listed, there has been no voicemails of any kind nor emails to the email address provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for membership for USAA based on the eligibility that my father is a military vet with an honorable discharge. I have been met with excuse and hurdle after hurdle, with no one being able to tell me what is wrong with my account and why I can not access Usaa.com. I keep being told my account is restricted and i went through a rigorous verification process, being asked over ten questions. I was able to successfully verify my identity but still my account is restricted and they can not tell me why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company sent me statements of an account that did not have my name on it and an address that I have never lived at. I have asked them to provide me with a original contract with my signature and a complete accounting from day one until current. I have never received anything but some statements that we not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have lodged disputes with Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/ 2018 2018

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 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: LendUp Loans LLC
State: TX

Complaint narrative:
Per the FCRA, you are required to provide complete and accurate information to the credit reporting agencies. In regards to complaint XXXX, you referred to my account as a loan, not a credit card. This is blatant misinformation and is potentially illegal if you are referring to my account as a loan to the CRAs. This needs to be correct and the late payment on my account needs to be removed immediately due to your company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Both my twin sister, father and I applied for membership for USAA based on my father 's XXXX XXXX, eligibility that my XXXX is a military vet with an honorable discharge. My account and identity was verified and i was able to establish a member number but Im not able to do anything else and I have sent in my father 's XXXX as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Negotiate a settlement that they offer and the company didnt follow suit.they than said that the couldnt offer me anything at this time so I ask if they can stop call me and harassing with frequently phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocky Mountain Capital Management
State: CA

Complaint narrative:
On XX/XX/XXXX I called the company XXXX XXXX XXXX to settle a small loan I made and requested the detailed, precise amount I owed to close that account for good. 

They told me the amount, which was paid AND confirmed, BOTH by them and my bank in the amount of ( XXXX USD ) XXXX XXXX XXXX Debit XXXX Web ID : XXXX - XXXX in the city of XXXX, at a XXXX location, When I take those loans at exorbitant and immoral interest rates, I MAKE SURE I keep them for a VERY SHORT PERIOD. This is why when I got paid it was the first company I called. 

After one year of RADIO SILENCE, a company called XXXX XXXX XXXX calls me on XX/XX/XXXX to say that I owe them over ONE THOUSAND DOLLARS at a 300 % interest rate AND COUNTING. 

The company XXXX XXXX has acted in malfeasance, whether in bad faith or by gross negligence. In the case of human error, that is understandable, and theres plenty of evidence of cases like this ; if in bad faith, it represents an indictment to a larger picture of the way in which this company conduct business in fraudulent manner. 

I am a full-time XXXX with little time to sleep, basically no money, approaching graduation, how am I supposed to defend myself against such a corrupt, lying, disgraceful business. This company should disband and get out of business. 

I already used my precious time to send a Cease and Desist letter to stop any attempts to collect, contact, and persist on any communication in regard to a non-existent debt. 

It is also a demand for immediate credit repair for any issues related to credit report companies in regard to this matter. 

A year after parting company with this disgraceful loan shark operation called XXXX XXXX has left me outraged and I wish no apologies, except for a full repair, credit-wise, and a letter of settlement. Theres no apology that would ever offer a hope of redemption for a company that charges over 300 % of interest as a business model, and who infers that I would be a fool to hold on to a 300 % interest loan for over a year.

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 2018-03-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I called Experian because for a year now I have not been able to get my credit report or score online. I was told several times that I could not get my score or report because my identity could not be verified. I was not able to get it through XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other scoring and reporting company. Each time I have applied for credit with a company that uses Experian to pull reports, I have been denied due to insufficient credit history. I keep getting the same issue and response about not being able to have my identity verified. Yet when the XXXX  breach occured, I mailed a letter with my verification documents ( drivers license and utility bill ) and received a report via mail with no problem. I would like this issue resolved ASAP as Experian keeps telling me they don't know what the problem is after I pass all of their identity questions on the phone. I mailed in verification documents again with a letter stating the issue and that I am verifying my identity. The issue has not been resolved. I applied for a credit card with the XXXX XXXX XXXX XXXX in XX/XX/XXXX and with XXXX in XX/XX/XXXX and today ( XX/XX/XXXX ). The response was denied from all creditors because of insufficient credit history with experian. I have had credit since XXXX when I turned XXXX XXXX XXXX. I have XXXX  years worth of credit history on my report with all XXXX bureaus.

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 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for membership so that i can open an account. However, I could not advance past the initial application. I called the bank and they told me I had to verify my identity by asking me questions pertaining to my consumer report. I answered the questions successfully. Then I was placed on hold abruptly. The lady rep came back to the line and told me she had to transfer me to someone else so that the questions could reset. I asked why did i have to verify again and she said the system was having issues. She placed me on hold again then told me to call back so I could get another rep. I asked her why and told her it sounded a big fishy. She said she couldnt assist and the new rep would ask additional questions. After waiting on hold, the line disconnected. XXXX my XXXX daughters are having issues as well trying to access USAA based off my military affiliation. We attached a chat transcript of how we were just rudely disconnected while trying to gain information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief