vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, Nelnet. Before Nelnet, my servicer was XXXX XXXX for XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I opened up a new account with Chase with a 15 month no interest promo and balance transfer option. I tried to transfer {$4000.00} on the new card and the workflow of their online system didn't work correctly so I could see it was executed. I called them up to verify and they had no record of the transfer. I had 2 open cc accounts and they failed to look at my other card for some reason. I received my credit card statement from the card I was making the transfer from today XX/XX/2019 and I had a {$3800.00} credit. 
I called Chase up and told them their online transfer system was not correctly working and they denied it. I told them that the their system auto defaulted to selecting the wrong card and didn't display any info regarding status or timelines. - it still doesn't reflect as of today. I paid off the card because I don't pay transfer fees. - This was my first one ever attempted. I closed both of my cards out with Chase today in principal for not waiving the fees. Please help me get my {$160.00} transfer fee back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I applied online and was approved for an American Express XXXX XXXX. Within 15 minutes of being approved for the card, I realized I had made a mistake. I had a promotional mailer from American Express that had been sent to me offering me XXXX bonus points, as opposed to the standard XXXX bonus points that are normally offered with the card. I immediately called American Express and spoke to a representative who assured me that as soon as my account was provisioned, I would be able to submit a request to retroactively fix the problem. I asked the representative if I needed to close this account and reopen a new account in order to claim the bonus, and I was told that was not necessary. 

I proceeded for the next 2 months to call American Express multiple times to try to get the issue resolved, or escalated, to no avail. They claimed that they had no record of extending this offer to me, even though I have in my possession a physical copy of the mailer with the RSVP code ( XXXX ), for which I've attached a scan. I was promised during my final call with American Express that this issue would be escalated to corporate, but I was never contacted again. The value of the XXXX points I was denied is over {$700.00}, and for a card with a yearly fee that nears {$500.00}, this is unacceptable. 

I could understand the denial had I not called American Express immediately after I was approved, but I called and spoke to a representative within minutes when I realized I hadn't been credited for the full bonus offer I had extended. I was willing to rescind my application and apply again with the proper RSVP code, but was told I didn't need to do that and that it would be possible to have this matter fixed retroactively. Instead, I received the runaround for months while trying to pursue this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: CO

Complaint narrative:
Meridian Financial Services Inc. has violated the FCDPA trying to collect old debt which is considered " Time Barred '' debts. The company has placed a lien on my credit report in the amount total of {$16000.00}. 

The debts were dated in XX/XX/2006 which is twelve years old and can not be collected, as it's considered a Time-barred debts.

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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I enrolled a credit counselor program call XXXX XXXX in Early XX/XX/2018. I did pay XXXX XXXX {$140.00} every month for my credit card debts. From XX/XX/XXXX until today. I have been getting computer type phone calls from Synchrony Bank & using their voice on my voice mail. They had been calling me over 30 times. I was told from XXXX XXXX not to talk or answer their phone calls. I had to pay my debt off with Synchrony Bank in about 3 years with the XXXX XXXX. I had contracted XXXX XXXX about those harassing phone calls from Synchrony Bank. Synchrony Bank refuses to talk to XXXX XXXX over my credit card debt.

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 2018-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
i have called them on XX/XX/XXXX and made my payment the representative took my payment and she read the script and we were all done so i called back on XX/XX/XXXX to find out why the money is still in my bank acct and i was told that it was canceled bc the rep did not complete the phone call and so the payment was not prepossess rite so i asked to have them pull the phone call and tell me why she put that there if she did complete the call and them i got transfer to a different department to do other things and do i got a rude manager on the line very very rude service in this company she said she cant help me so she got me over to the collection department and the rep there when i told him what happens and i said this crazy people in costumer service need to be train ride he said he is not going to talk to me and hung up the phone and did not take my payment for my house so i called back to talk to some one else i was on hold for over 45 min and cant get no one on the line ever why do we have to have company in this world when they refused to talk to people with a professional matter and help them why are this people taking this personal and not handling this professional level.. 
i got my house in XX/XX/XXXX and they finance us thru XXXX XXXX and this has been a nite mare with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: U.S. BANCORP
State: NV

Complaint narrative:
US bancorp Opened my business credit cards incorrectly, I was only able to access my personal card, not my employees cards for payment. I was told by the customer service rep over the phone that all billing would go to that card, central billing, I would pay it through my personal US Bank Login like all of my personal accounts and cards. So I continued to pay that card, unaware that they had never setup a corporate account for me to actually pay for the other cards, or that this was even a process that needed to be done. Their rep did not inform me, nor did he follow through with any setup. 

Upon finding out the error, I had a balance on one of the cards that was over 30 days, I went into my local branch, contacted US Bank support, paid the balance, and had the bank setup the account the way it should have been originally. They only allow a written letter to resolve these issues, so I took the extra time to fix their mistake, and they still are showing a 30 day late ( the only one in my entire 17 year credit history ) on my credit reports.

This joke mailing paper to them when they could easily correct this is a direct attempt to put the work of fixing their problem on me, and I'm over it. I mailed them an archaic paper letter, and waited a month for their letter to come back, which stated they resolved it, its still showing on my credit report though. They need to fix their mistake fully, which includes notifying the bureaus that i was NOT late on my payment.

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 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today XX/XX/2018, I had a total of {$120.00} in my checking account. Now I checked my account and Wells Fargo has slapped me with a {$75.00} over draft fee. They said I sent money to my son via XXXX. Help me understand if my account had no money how can I transfers XXXX to my son XXXX account, this XXXX doesnt add up. Over the weekend I deposited {$350.00} into my account and now Wells Fargo wants to charge me over draft fees, I spoke to a few customers to reimburse me but they all had different stories. I have call in the pass to not let let transaction go through if I dont have enough money but Wells Fargo fails to to protect my account but instead they steal me by charging me and I am so tired of it, that I will bring this matter to my lawyer and we will see them in court. I would appreciate it if they reimburse me that {$75.00} back to my account because I dont just sit on my XXXX and receives money, I work really hard for XXXX to rob me. I am utterly disgusted at how they steal and rob poor people like me. I will post this comment on XXXX so it can go viral and my statement. I am done playing games with Wells Fargo. 
I would like my refund of {$75.00}. Thanks 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 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have two Certificates of Deposit dated XX/XX/XXXX totaling {$25000.00}. In XX/XX/XXXXI took them to Wells Fargo XXXX XXXX XXXX, XXXX NCXXXX to redeem them. I spoke to a customer service agent XXXX XXXX. He told me they couldn't redeem them as their records only go back seven years. I have paper records. Why can't they redeem them? I have the originals in my possession. On them it states : " Automatically renewable ''. Can you please help me get my money. I can send you copies of the CDs. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  NC XXXX  ( as shown on the CDs ).

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 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. 
In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. 
In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23.  However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MS

Complaint narrative:
PNC Bank Re : Letter dated XX/XX/2018 to me Received XX/XX/2018 Informing of three consumer accounts all opened on XX/XX/XXXX With accounts ending in : # # # #, # # # #, and # # # # On calling the XXXX assistance numberin order to get assistanceI was required to provide my social security number over the phone or go to a PNC Bankwhich dont exist anywhere near me. I NEVER give my social security number out over the phone. Three accounts on the same day?! They should have been flagged and put on hold until they were verified. I want to know how they were opened. 

I was given the following address to write to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX. In the meantime what are these accounts being used for and for what other fraudulent purposes? 

Please CLOSE THESE ACCOUNTS and find out how they got opened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TX

Complaint narrative:
On XX/XX/2018 I received my credit report Report # XXXX  from Equifax after disputing several items on it, I also disputed the same accounts with XXXX Report # XXXX well the accounts were not listed with XXXX so I didnt have to dispute them with XXXX. The accounts I disputed with XXXX  were investigated and removed, Equifax say they verified the account and therefore would not remove them. I dont understand how one Credit Agency can remove the items and another one cant. Its my understanding that all credit reporting thru the 3 Bueruas the information is suppose to be accurate and correct. Because of the inaccuraties i would like to have Equifax remove the items in question. 

Please see attached files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: National Screening Bureau, LLC
State: GA

Complaint narrative:
XX/XX/2018 I called natsb to get an update on my background check and they said they found a felony. I was only notified of this felony until XX/XX/XXXX when I called. Had I never called I would of never know they were reporting inaccurate information. I told them those charges were dropped for me and there. I asked that they need to pull the court documents to get better accurate info. She said for me to do the research and there decision may not change. I went to XXXX XXXX and read the correct information of the other person being charged and convicted and my charges being dropped. everyone involved was on the same case no. I guess natsb did not further investigation the case number and the names. 
If a company going to have full control of your lively hood they should report accurate information and if there is a problem they should be able reinvestigate in appropriate amount of time. The system is not fair. The person who is being investigated has no rights. 
Sometimes you have to view the court documents instead of the report for accurate information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
My complaint is related to the Law Offices of Marvin C.S. Dang XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: World Acceptance Corporation
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX VETERAN HAVE ASKED THEM TO REMOVE THE LOANS FROM MY CREDIT REPORT HAVE FAXED AND MAILED THE INFORMATION IN NUMEROUIS, TIMES, I HAVE ATTACHED PAPERWORK THAT STATES I AM XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good afternoon is been several times the I try to fix my credit calling and send email to one specific credit bureau and always reject my claims I been working on fix my credit and have credit cards with different banks but with dif bureau looks like one is not help me it all I think is no fair why others bureau help me out and this specific one wont how can we do? Dont know how.

Company response to consumer: Closed with explanation