vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 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: NY

Complaint narrative:
I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?

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 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I requested a full loan consolidation on XX/XX/2012 online at student loan.gov and was advised by my loan servicer Nelnet that it was approved. I was just informed that it was a oartial consolidation. And I had to provide proof that it was a full consoldation even though the Advisor stated that I was approved for full consoldation. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
An agent from Phoenix Financial continues to harassment after I have asked him to stop several times on several different occassions. His name is XXXX. He calls uo until XXXX at night. He calls from several different phone numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Company : Citi/CBNA Amount Owed : {$290.00} Date Opened : XX/XX/2014 Date Closed : XX/XX/2014 I never opened this card with CITI/CBNA. I disputed this on XXXX XXXX three months ago and still havent heard a response.

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 2018-09-20 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: I.C. System, Inc.
State: TX

Complaint narrative:
They flagged my account on the credit bureaus as collection. I have no idea who they are and I certainly am not in debt with them.

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 2018-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
They are using fraud and fear tactics. Threats of criminal prosecution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bryant Bryant & Associates LLC
State: MO

Complaint narrative:
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: MD

Complaint narrative:
On XX/XX/XXXX, XXXX  XXXX XXXX sent me a letter approving my Income-Driven Repayment plan for the total amount to be billed monthly at {$320.00}. After getting a one-month forbearance, I paid the total amount with two separate payments electronically by the due date. The first payment ( electronic debit ) was {$210.00} and the regular bill was {$110.00}. This totals the agreed amount of {$320.00}. A day after the due date, after I paid, I checked my account and saw that my account was delinquent. I was told I owe {$75.00}. This is not part of my payment agreement. 

I called customer service on XX/XX/18 and spoke to a person named XXXX at XXXX   XXXX XXXX. She told me that XXXX XXXX has two systems. In the system I see, I am overdue ; however, in another system I can not see, I am up to date. She said she " is going '' with the one that says I paid. I told her that when I call or log in to my account, it shows that I owe {$75.00} and that my account is delinquent. I asked if I should just pay the amount. She said I can or not, it does not matter. I said I am worried that my credit will be destroyed, that my loans at my current graduate school will be canceled, and being in default could prevent me from getting a XXXX XXXX. She said that they would not report me until 90 days, so I SHOULD be okay. She apologized, but I was left hanging. 

I did email their advocacy hotline ; however, I am very, very worried because if this continues, XXXX will cancel my aid, and my credit will suffer. I don't have much time. I have had repeated problems with XXXX XXXX XXXX. It makes no sense that they can not fix this problem. I got a text dated XX/XX/XXXX that told me I am five days late on my payment. I am not and paid according to the terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I have been doing business with GM Financial for years. I currently have four leases  with them and pay them {$2600.00} per month in lease payments. I got out of a lease early and leased another GM through GM Financial. In breaking with their past practices, they only forgave 6 payments as opposed to the 8 payments that they agreed upon. In addition, they stopped billing me in XXXX of 2018. Not knowing why I owed and expecting a bill, I sent them {$500.00} per month. They just dinged my credit report with a 60-90 reporting which is totally false and they also owe me {$1900.00} - two lease payments at {$950.00} each that they agreed to waive if I continued doing business with them. I tried to resolve this issue directly with GM financial and not one of the 4 workers I spoke to could find information on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: Douglas, Chancellor, Meyers and Associates, LLC
State: GA

Complaint narrative:
After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with Douglas Chancellor and Meyer Associates ; opened XX/XX/2018 ; which is false. I contacted XXXX by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX  would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XX/XX/XXXX I filed a XXXX XXXX  which I had a loan with one of XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/17 which again I did not intitate and I never received any other loan from them. Douglas Chancellor and Meyers Associates has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: FL

Complaint narrative:
XXXX XXXX is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to XXXX. That payment was for XX/XX/XXXX. I paid XXXX over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. XXXX is reporting XX/XX/XXXX, as the date became delinquent and never became current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from " XXXX and XXXX '' this morning. Her name was XXXX XXXX, phone number XXXX XXXX XXXX XXXX. They say when I closed my Wells Fargo account in XX/XX/2010, they later realized I was overdrafted {$87.00}. She said the account was sold to XXXX. They say they have sent me paper documents to an address I haven't lived at for 6 years. Now, they are asking for {$390.00}. They called me at a number that I have had for 10 years, so I asked why I just now got a call. They say they tried mail first ( XXXX ). I asked when the original overdraft occurred and she said they have no record of that ( even though supposedly the accont was sold to them ). She gave me XXXX hours to contact her and set up payment or they would send it to court. Also, she mentioned Wells Fargo would sue for XXXX the amount ( even though supposedly the account was sold to XXXX ). I said I'd call her back. I called Consumer Financial Protection Bureu and they say i should get her license number, address, and ask for a letter to be sent to my current address. I called XXXX back at her direct line ( XXXX ) and she said she and no one else in the office had a licence number because they were " mediations ''. She also gave me a XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX TX. She then said " is that all '' and then hung up on me. This is very suspicious, and I fear I'm at risk for fraud. Please help, 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 2018-09-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
experian told me on XX/XX/XXXX they was going to keep the mix credit file and report on my credit file and keep all the wrong names and wrong address when i ask on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I STILL HAVEN T HEARD FROM THEM AND GOT THE CORRECT HELP EXPERIAN NEED SOMEONE FROM THE CFPB COME AND HOLD THERE HAND AND DO RIGHT MY PEOPLE AND STOP REPORT WRONG INFORMATION ON MY CREDIT REPORT ..

SINCE I HAVE PROVIDE PROOF ..

XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINES ITS ACCTACH TO SOMEONES ELSE CREDIT PROFILE SINCE XX/XX/XXXX AGAIN ...

XXXX XXXX XXXX THESE ACCOUNT ARE NOT MINES PLEASE HELP AND DELETED FIX MY CREDIT SOCRE BACK TO A XXXX ASAP PLEASE AND THANK U

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 2018-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CASH AMERICA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from XXXX XXXX XXXX XXXX XXXX pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up XXXX biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with XXXX XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX ; which is false. I contacted TransUnion by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XXXX I filed a XXXX XXXX which I had a loan with one of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/XXXX which again I did not intitate and I never received any other loan from them. XXXX XXXX XXXX XXXX XXXX has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.

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 2018-09-20 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/XXXX- Called credit card company XXXX XXXX requesting to reverse a balance transfer that was made in error due to recent XXXX XXXX XXXX due to XXXX XXXX XXXX. Not resolved. XX/XX/XXXX- Called credit card company XXXX XXXX again requesting to reverse a balance transfer that was made in error. They stated they can not reverse the transfer but they could write a check in the amount of {$5800.00}. This was authorized by XXXX XXXX ( the card holder ). They said they would be sending the check in the mail. This would bring the balance to {$0.00} on the XXXX XXXX Credit Card.

XX/XX/XXXX- Check never arrived. Instead credit card Company reversed 2 balance transfers electronically without authorization or notification to card holder. Over the requested amount leaving a balance of XXXX XXXX14.99 % APR ( previous APR 0 % ) XX/XX/2018 PAYMENT REVERSAL {$2800.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 INTEREST CHARGE ADJUSTME {$33.00} XX/XX/2018 PAYMENT REVERSAL {$6300.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 2850.00 ) XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 6380.00 ) XX/XX/2018 PAYMENT $ ( 2892.38 ) XX/XX/XXXX 3rd call, spoke with manager. He stated they can not undue their error. But But XX/XX/XXXX will remove interest charge of XXXX XXXX.They admitted that the first case opened on XX/XX/XXXX- was in a different department than the Case on XX/XX/XXXX leading to the departments not communicating resulting in the cancellation of the authorized check of {$5800.00} along with the 2 transfers being : {$6300.00} and {$2800.00} This leaves an open balance of {$3400.00} with an 14.99 APR which previously had a 0 % APR.

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 2018-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
This student loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, deliberately placed my loans into forbearance, so they could make money on the interest being collected, without my knowledge or my permission. I made them and the US Department of Education aware that I would be entering into a full-time program, in XX/XX/XXXX. I recently became aware of what was going on once I received a notice informing me that repayment is due on my loans in 30 days. Instead of placing my prior loans into deferment, they told me on XX/XX/XXXX, that " they were doing me a favor, and they did this will all their loans. I XXXX in XX/XX/XXXX. They revoked my 6-month grace period that all students receive after deferment from a full-time educational program, by initiating this ILLEGAL tactic in order to turn a profit. This loan servicer failed to inform me of what was going on and employed the illegal/fraudulent practices of their fellow loan servicing company, XXXX. Thousands of dollars of interest have been generated on loans in which I was guaranteed 0 % interest rate growth while in school. Instead, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Department of Education have failed borrowers by letting this type of behavior continue to go unchecked. This company told me flat out " WE DO THIS TO ALMOST EVERYONE, AND NO ONE COMPLAINS. '' This is fraud and should be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
As previous dispute under complaint number XXXX XXXX on XX/XX/2018 has left me in total disbelief that a company that I have had no business with is claiming that I owe a balance of nearly {$6900.00}. Fair Collections & Outsourcing sent a package to me which they stated was the full validation that I owe this balance. This contract had no mention of their client XXXX XXXX and nowhere in it does it state that I have any obligation to them.They failed to provied me with any contract or signed agreement which enters this company and I into business that nor places me in ownership of this debt. 

Yes, Fair Collections & Outsourcing as you have stated in your response, I have made multiple identical requests in past for validation of this account and because you have failed to provide me with this validation I am now demanding it from your clients XXXX XXXX. Your Reasonable Investigation Notice states that you sent me verification on the XX/XX/XXXX and you stated that you found the account to be reported correctly and that you will continue to report it. You further state that the report date was XX/XX/XXXX which is correct. I also see it reported on my credit file accessed XX/XX/2018 thank you for your one truth but that does not impend me exercising my rights to all docmentation ; contracts or agreement that states that XXXX XXXX and I, XXXX XXXX XXXX have or have had a contract bound by law which makes me responsible for any debt presumed owed to XXXX XXXX. It is my right pursuant to the FDCPA to question the validity of this information you have yet to produce. I make this my last attempt to acquire validation and if it is not recieved I will take steps to file a small claims suit against XXXX XXXX AND FAIR COLLECTIONS & OUTSOURCING for damages due to willful non compliance and damages per violation. This entire matter has caused me stress and emotional distress which is reflecting on my health and I would gladen the opportunity to file a default of debt validation against this company who have failed to verify this debt. I have yet to see any documentation ; contracts or agreement between myself and XXXX 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 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I got me credit reports and noticed a derogatory remark on my XXXX, Amsher collection services and I have no idea what is this. Account shows that it was open on XX/XX/2013. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation