vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 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: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX Experian investigated and it came back verified. In XXXX I sent in a certified letter to Experian for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XXXX XXXX,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. As a consumer I was exercising my under the FCRA 611 ( a ) ( 7 ) to request a complete description of all METHODS used to investigate my aforementioned dispute. Experian you have willfully violated my rights as a consumer and I am in the process of filing a suit with the court for a small claims for the damages I am entitled to due to EXPERIAN noncompliance or Experian can remove this account from my credit file. Experian had plenty of time to send me their METHOD OF VERFICATION,, EXERIAN FAILED TO DO THAT,, I HAVE ENCLOSED ALL PAPER WORK AND CERTIFIED MAIL RECEIPTS THAT I SENTTHE LETTER TO THIS COMPANY THEY RECEIVED THE LETTER AS YOU CAN SEE THE DELIVERY NOTICE.AND THEY UPDATED THE ACCOUNT BUT STILL FAILED TO SEND ME WHAT I AM ENTITLED TO AS A CONSUMER PER THE FCRA..EXPERIAN REMOVE THIS ACCOUNT PLEASE.

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 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I initiated a payment of {$900.00} on Ally 's website through their " XXXX '' feature. It is essentially a peer-to-peer payment system similar to XXXX. " XXXX '' has this nifty feature where you can delay the payment being sent, so I chose to delay the payment until the XX/XX/XXXX so I could confirm if the goods were sent or not. My payment ended up being taken and deposited with no goods or services provided. When I went to go cancel the " XXXX '' payment, the payment said it had arrived in the recipients bank account " within minutes '' of me hitting send ... .I then reach out to Ally to let them know of the situation and the representative has not a clue about " XXXX ''. I asked if it would be possible to initiate a chargeback considering I had sent the payment on the terms it be delayed until the XX/XX/XXXX and I confirmed the goods had been sent. After a brief hold, I am told to dispute the sent payment through XXXX and they would contact me within 10 business days about retrieving my money. Of course, 10 days later I receive a letter stating they can not help me retrieve my money since I initiated the payment. When I reach out to " XXXX '' customer service on the matter, they state it should only be used with people you know and that my bank would help retrieve my money. So here I am with both companies pointing fingers with no real information on where my money is and why they have no fraud protection on their services. A true disgrace that they implement a feature in their platform that has no regards of protecting their users and keeping their money safe.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.

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 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was checking my credit and noticed that there was a debt collector agency on it by the name of National Credit Systems Inc. dated XX/XX/2018. I immediately called the landlord XXXX XXXX in XXXX XXXX, Texas that the debt came from to see what it was for and wanted to know why I did not receive a notification letter because I never received one from the collections agency or a call before the debt was placed on my credit. I could not reach them so I called management company XXXX XXXX and spoke with someone in the billing department and she claimed the assistant manager XXXX at XXXX XXXX claimed a letter was sent but returned per email dated XX/XX/2018. This is not true and I do not believe it. I gave them all of my forwarding information and I never received anything. Not sending a notification to tenant regarding debt is a violation of Texas tenant law because the notice should come within 30 days after departure which was XX/XX/2018. Texas law sec 92.109. XXXX sent me straight to this collections agency. The collections agency sent me a letter on XX/XX/2018 4 months after it was placed on my credit and 7 months after my departure from XXXX. XXXX XXXX from National Credit called me in XX/XX/2018 on a recorded call and said that she will send me another letter with verification to assist me in disputing the debt. I never received the verification letter from National Credit Systems , Inc. She immediately sent me to a third party. I called National Credit Systems and asked where was the letter and they said I had to talk to the third party company. This was another violation Texas law sec 92.110. This was wrong and should have followed proper protocol. The debt collection company violated me here and I never got to dispute with them if I needed to. They also placed on my credit that I did dispute the matter which is false and manipulative. The collector made an improper move here that was not right. I never ever received anything after the first letter. I think it's unfair to pay for something without verification as to what it is and with so many scams out there when this happened I didn't trust the situation and wanted to call the authorities because I feel that National Credit Systems , Inc. and XXXX XXXX have violated the Texas state tenant law here with how this was all handled to get money and that the debt was bogus. I also feel that this situation was manipulated on purpose due to personal issues with the assistant manager XXXX. I feel that she was manipulative and made promises that she did not keep. This was a new management company that came in under this lease and I assure you that the old management company would have never done this. This is improper treatment and I feel totally violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays card said my credit is good and that I have to send them additional document. The person on call quoted the Patriots Act and I asked why is it not mentioned when requesting for details of the application. I told them if I had known it would take 10 days to get the card then I would have not applied. The reason I applied for the card is to buy gift for someone within a day or two.

I then told them I do not need the card but they should reverse the hard hit on my credit. The Bank said they can not do anything. I spent 45 minutes explaining my predicament but looks like they do not care. 
All this happened on XX/XX/2018. I will never apply for BARCLAY bank 's card. 
This is for financing through the bank for XXXX products.

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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
Debt collection from XXXX XXXX in Florida. Advised Experian and the XXXX XXXX XXXXXXXX XXXX that I have never been to Florida and I live in Oklahoma. Experian has advised that the Collection is valid. I have requested from both Experian and the XXXX XXXX for validation of the debt and have yet to receive any update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Santander Consumer USA ( closed ) Is over 7 years old. This should be removed because of the age.

Last payment was in 2011 please see the attached XXXX old credit report stating the correct dates.

Every time the company ( Santander Consumer USA ) is contacted it seems they keep changing the final dates. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XXXX I applied for and received a XXXX XXXXXXXX XXXX  Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX   based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Nelnet, Inc.
State: CA

Complaint narrative:
I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. 

Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}.

The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due.

Making your student loan payment is easy!

Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. 
Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. 
Make your payment. 



Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. 


Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX  ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. 

Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/18 I wanted to see my free credit report so I XXXX " free credit report. '' TransUnion was the first one to come up, although it was marked as an Ad. I clicked through it and never saw that there was a {$19.00} charge, although I did enter my credit card information. They showed me my credit report but wanted me to " continue, '' then my I got a receipt in email for the {$19.00}. I called the company immediately and they said there was no such thing as a free credit report, I had to pay somebody and had paid them. I asked for a refund and they said the best they could do was discontinue the subscription.

I called the credit card company and they will file a dispute for me. But I'm pretty tech savvy and never saw on the website that they'd charge me. This is quite deceptive since Trans Union is one of the 3 credit reporting agencies where we're supposed to get the " free '' 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 monetary relief
Consumer complaint received 2018-09-11 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I disputed this before and they are still insisting that information is accurate. 

In XXXX the company was not One Main Financial. It was Springleaf. I was not late with Springleaf. Their statement and response took place in XXXX. 
I had given them a check payment and wrong acct number was entered. So it came back. Then I replaced it immediately. I need them to show me written documentation that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC.
State: TX

Complaint narrative:
I had a loan with XXXX XXXX in 2013. I am now getting calls from a credit report agency saying i owe {$5000.00} and they are suing me for this amount. I havent received any letters, but just harassing phone calls. Today when I asked for the information I was constantly interrupted and called dumb ( told I lack the mental capacity to understand what I was being told ), but the lady on the phone would not allow me to finish my questions to get clear information. She kept saying i needed to get a letter from XXXX stating that I had a XXXX balance, but nothing from this company is on my credit report and I no longer have loan documents from 2013. This company is no longer in business due to being constantly being sued by various states for illegal loan practices. What can I do about this company. I am in Texas. I am being harassed and they are not helpful.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: AK

Complaint narrative:
I applied for income driven repayment on XX/XX/2018. They responded and said, " We received your IDR request on XX/XX/2018. We will review your request and send a follow up email by XX/XX/2018. This email will detail next steps and any additional actions needed. '' I also applied for forbearance at the time because I could not afford to pay $ 2500+ each month. Although the person I spoke with said she could postpone the payment. They did not and since I had automatic payments they took this out of my account. 

It is now XX/XX/2018, and although I have spoken to them several time about whether this has been completed, they still have not sent me any documentation concerning the loan. They have told me on the phone what my payment will be, as well as what the interim payment is, but I still have not received anything in writing. 

I would like to have XXXX XXXX finish this process and quit dragging it out. I need documentation of what the next step is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CitiGroup/ Sears reduced my credit limit on my account without providing prior notification or explanation to approximately 10 % of my original limit. I have contacted Citi Card Services regarding this issue and was told that my limit could not be restored and the error could not be corrected. I asked why I was not informed prior to this action and was told that a letter was sent to my residence. This is unlikely as my account was designated as a paperless transaction/ notification/ statement account 9 years ago. I checked my electronic communications and do not have any notice that my account terms would change. Further, the only solicitations I have regarding my account are advertisements for new products or shopping promotions. No account notices have been sent via the terms we agreed many years ago. 
This modification to my account terms places me at a significant disadvantage both in terms of my credit standing and ability to purchase items to remodel our home. While we used this card to purchase appliances approximately 10 years ago, we are now in need to replace and upgrade many of these as well as aging utilities like our furnace and air conditioning system. This card was to assist in this series of purchases as we had done and paid in full 10 years prior. However, the elimination of this card, the negative impact to our credit due to Citi/ Sears decisions have created an additional burden upon us.

We have maintained this account in good standing. We have made regular payments and never have been in default or late. This was not becoming of a credit agency and we have not been treated with the respect that should be extended to clients who abide by their terms, while the lender refuses to reciprocate.

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 2018-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB -Experian has responded that XXXX XXXX STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm XXXXXXXX XXXX- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and XXXX this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX 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