vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-21 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: PA

Complaint narrative:
Issue with Nelnet. I originally borrowed {$42000.00}. They were all in separate loans per semester. The final year of pursuing my XXXX XXXX, I get the bill to start the loan repayment and I was charged {$14000.00} in interest for a year and a half? When I called the loan servicer they said I should have consolidated the loans. How was I supposed to know that? I'm sure this is happening to many students. Fast forward, after some deferments and forbearances due to job related issues I now owe {$91000.00}. I started a graduated payment plan at {$530.00} a month for 2 years now, and my balance is {$91000.00}. That is over {$12000.00} paid in money that went into la la land. I called Nelnet and they said they can collect interest first even though I did not sign an interest only promissory note. I need help with this. I am getting charged compound interest upon compound interest. And no monies from me are going to the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have disputed the charge {$250.00} ( XXXX XXXX ) on XX/XX/2018. 
The amount {$250.00} had been credited on my account when I called Capital One customer services. 
It is a temporary credit while they were investigating my dispute charge. 

I have received a letter from Capital One and needed to send it to them with the documentation which shows the amount {$250.00} needs to be returned. I did send it to them without documentation. 

I had explained to them ( Capital One ) I don't have any documentation from XXXX. My ex-husband had spoken with their customer services. As per they said, the remaining balance which will be approximately {$250.00} will be credited on my account in 7-10 days after making the payment. The credit was not refunded from XXXX XXXX so I had called to Capital One to dispute this charge and explained to them all what I have. 

However, Capital One didn't do their job for their customer instead of resolving the issue. The temporary credit {$250.00} has been charge from Capital One. The reason they took {$250.00} was I didn't submit the document what tation they need. 

However, I have already explained to them but they have denied and rejected to resolve the issue what I have. 

If I have all documentation from XXXX, I wouldn't even call them to help and dispute the charge. I am not satisfied their services and whatever they have done was not properly for their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my 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 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my 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 non-monetary relief
Consumer complaint received 2019-01-21 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: TX

Complaint narrative:
Someone been using my credit applying for credit and adding accounts to my credit. In XXXX and XXXX I contacted the credit bureaus and tried to resolve this and they won't do it even when I filed the identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 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: NV

Complaint narrative:
Experian is reporting a collection with XXXX XXXX in the amount of {$420.00} and I never had any type of XXXX  bill for almost 500 dollars. This has got to be a huge mistake and it needs to be deleted.

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 2019-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY

Complaint narrative:
During XXXX of 2017, my wife scheduled but failed to hit submit on our auto payment with XXXX XXXX XXXX XXXX Payment was due on XX/XX/17. On or about XX/XX/17, I discovered this oversight and immediately logged on to XXXX 's website and scheduled a payment for the full amount plus late fee. The payment was not posted until XXXX making the XXXX payment 31 days late. I have full records showing all transactions and can show never missing a payment with them and in fact have since closed the account. I have seen on their website where they state that they will show a payment on the day that it is scheduled not on the date that it is posted. Had they shown this date as XX/XX/17 this payment would have been 28 days late instead of 31 days late. 

I am disputing them showing a late payment on my credit report since this payment by their definition XXXX scheduling date vs. posting date ) is not 30 days late. I have full documentation except for the statement from their website. I am unable to show this at this time since the account has been closed. I have disputed this with them on XXXX separate occasions with no results other than " they are required by law '' to report this late payment. 

Your help would be greatly appreciated. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX thx XXXX XXXX Loan XXXX Continue harass my family with threats of foreclosure.

Every year they harass me about flood insurance and policys This year they harass me about annual occupancy certificates.

Even though Ive never received any communication from them they threaten to foreclose on my property for failing to fill out a form that Ive never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : Transunion, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the XXXX  in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2019-01-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX  ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, Equifax, XXXX ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXXXXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX  ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, Experian ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX  ) inaction we agreed to  payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2019-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I noticed a collection on my credit report after applying for a mortgage. I contacted the credit bureau and they responded that it had been verified by Paramount Recovery Systems and to contact them for more information. I attempted to contact the creditor, but could not get in touch with them. I wrote a letter correspondence on XX/XX/2018 simply requesting information on the debt they said I owed. I did not get a response. I wrote a second letter and sent it certified. The tracking number was XXXX. It was received by the company on XX/XX/2018 at XXXX XXXX XXXX XXXX, TX XXXX. I still haven't received a response from them. I don't recall this debt and I'm afraid that they may have me mixed up with someone else. I'm attaching the letters for your review. 

The first address I mailed to was XXXX XXXX XXXX, XXXX . XXXX, XXXX, TX XXXX. The second letter I sent certified to XXXX XXXX XXXX, XXXX, TX XXXX. Tracking : XXXX I hope that you can help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was unable to put my college, XXXX XXXX XXXX California, into your system. 

PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS? 

I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled. 

I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX  XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt. 

I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed. 

I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018, I received a bank notice that unless real estate taxes were paid by XX/XX/XXXX, my home ould be put up for a tax sale. ( The notice was dated XX/XX/XXXXbut not received until XX/XX/XXXX. This is the same day the bank took action ). I usually pay my taxes late and have never had a problem before. 
On XX/XX/XXXX I went to the bank to get a cashiers check. The teller could not do it. The manger came out and said my home equity account was frozen as the bank paid my taxes. I went to my town tax collector and they said they did not receive my taxes and they did not send a notice to the bank. If I paid my taxes that day it would have been approx {$13.00} less. 
I went to the parking lot and called the bank. After speaking to more XXXX and then XXXX XXXX was pushed to a third party. A woman from the executive branch informed me they sent the payment on XX/XX/XXXX and my account was frozen. 
I have been at my same branch for over 35 years.. From XXXX XXXX to XXXX to Wells Fargo . I have 6 accounts with Wells Fargo and have NEVER had an issue before. My accounts were always paid. 
Now I find that besides my account being frozen, they have ruined my credit score I went from very good to poor. They also debited my account on XX/XX/XXXX while the check did not get to the town until XX/XX/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 2019-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
Credit Collections USA LLC, has placed a collection for {$83.00} on my credit report and according to the State of Florida license search they are not permitted to collect in this state. I am requesting that this debt be removed from all the Credit bureaus such as XXXX, XXXX, and XXXX speedily. 
The date that this collection was opened was XX/XX/2017 The Balace is {$83.00} The Reporting debt is {$83.00}

Company response to consumer: Untimely response