vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: CT

Complaint narrative:
Back in XX/XX/XXXX my student loan was up for recertification with the income base program. I send the documents requested and they send back and told me they need more information. I send my tax return as requested. I did send the required deadlines however XXXX decided to charge me full scale rate despite I am in the income base program. I am making my regular payment as my plan suggested however XXXX is charging me one month payment of XXXX for the month of XX/XX/XXXX. I expressed to XXXX on several occasions that I can not afford that payment but yet they still threaten me to revoke me from the income base program. My credit is now affected because of XXXX despite I am marking the payment I am requested to pay. When I complain about the huge payment I was told that I have to pay that large payment for that month. I asked why wasnt the payment be on hold due to my paperwork in progress and I was told by one worker that they dont know why it was not forbear but I have to still make the payment. I am at my breaking point with XXXX at this moment and I need your help to handle this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX  in the amount of {$4600.00}. I have disputed this account with the company and also with XXXX, Transunion and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.

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 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
The company Credit Management calls in spite of being informed that we have never lived at the addresses/cities in question or had an account with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I`ve applied for a " Secured Card '' Credit Card service With the Wellsfargo Bank on XX/XX/XXXX ; It was explained to me by the banker on this occasion that this card will receive as a transfer from my checking account a amount of {$300.00} in 3 to 5 businesses day after I receive the card, but actually this happened the other way around, yesterday XX/XX/XXXX, the Bank charged me the {$300.00} already, I went to my mail box to check if the card has arrived and instead I got a letter from them telling me my information was still being verified, I called them and went to the branch to talk to the banker and I was told twice I got it wrong and that the process is charge first then send the card later, now, because they did that My account reached {$0.00} Today and I was left with nothing ; I asked them to cancel the card then and give my money back and I was told that this process would take 15 business day to reimburse me ; they also fail in confirming that the card was send, they only told me I " Should be good '' meaning I should receive the card in 5 Business Days because the money was already taken from me ; so long history short : they offered me a credit card charged me before I had it, won`t give back my money and I was left with a " Should be good '' answer.

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX in the amount of {$4600.00}. I have disputed this account with the company and also with  Experian, XXXX and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The credit card company decreased the credit limit on the account due the account falling past due. I made the payment a few days later to bring the account current and called the company to reinstate the credit limit. The collections representative told me to call back when the payment clears and customer service would be able to help me. I called back on XX/XX/18, and spoke to 5 different representatives who all said they could not do the reinststment as I was told, and if I wanted it increased they would do a credit inquiry. I just want the credit reinstated as i was told it could be.

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 2018-04-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
as of XX/XX/XXXX my XXXX XXXX credit card was reported paid in full and taken off by XX/XX/XXXX on XXXX and XXXX how ever on Equifax the account of XXXX is being reported as late and charge -off it can not be both its either paid in full or its a charge off i believe its paid in full and should be deleted this is the second complaint i have with equifax and are becoming quite tired if their illegal ways..they are not above the law ... the other reporting companies are telling the truth ..so why cant XXXX.. please correct this problem asap thank you for your time.. i have personally disputed this problem many times over but they change one little thing and say its been resolved thats not fixing the problem and i wont go away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: ACS Education Services
State: CA

Complaint narrative:
ACS/XXXX XXXX is reporting a student loan incorrectly on XXXX that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
In XX/XX/XXXX my mortgage was sold to Mr. Cooper mortgage advisers from XXXX XXXX XXXX. I was told there would be no changes to my loan. I paid my statements in XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX. Same amount as XXXX XXXX. In XX/XX/XXXX, I received a check for about {$1100.00} from Mr Cooper for overage of my escrow acct. I called and asked why, and they said they were unawhere that they were responsible for paying my property taxes. XXXX paid my taxes and Mr Cooper collected for them on the 1st 3 payments, so I called them. They said they would fix the problem. My next statement was {$250.00} less than usual, so I called again, at which point they said they would fix the problem. I sent the escrow money back to them and paid and extra {$250.00} on my payment. Then I received an escrow annalises showing a large shortage. Now they say they need to also collect for XXXX XXXX XXXX XXXX XXXX which I pay myself and always have. These have been paid for the year, by me already, so another phone call which fell on deft ears. They demand to pay them. I called again and asked for a supervisor who intern said she would fix everything and call me back. That was 3 weeks ago and no call. They want to raise my payment in XX/XX/XXXX from {$1100.00} to {$1300.00}. They refuse to listen to anyone and causing me a lot of stress

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is XXXX that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I spoke with XXXX/TD Bank in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX/TD Bank on time. I normally do not mail payments, but because XXXX/TD Bank was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory.

I spoke to XXXX/TD Bank about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hood & Stacy, P.A.
State: AR

Complaint narrative:
On XX/XX/XXXX I spoke with a representative in the XXXX XXXX XXXX department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( Hood & Stacey ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time XXXX XXXX verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( Hood & Stacey ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for XXXX XXXX. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: VA

Complaint narrative:
Because I am in an active Chapter XXXX Bankruptcy, XXXX XXXX XXXX seems to ignore and do not comply with my request and my attorney consent letter. Just in 2018, I have asked on several occasions by calling ( XXXX ) and asked for the lender name for my mortgage loan, verification and history of payments. I have waited over a week for the requested documents and no documents were sent to me. I called back and was read the Attorney Consent letter but still I have not received the requested documents. I am trying to refinance and every time I start the process XXXX XXXX helps me lose out on refinance opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jvs group
State: TX

Complaint narrative:
I sent a letter requesting specific information concerning the debt. I have not received ANY information per my request. The first letter and fax they claimed not to get. I then received a very strange letter in the mail but still NO evidence or ANY information concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting a student loan incorrectly on Experian that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC

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 2018-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
in XX/XX/2018 I initiated a money transfer from XXXX to my personal bank account. *they were previously linked and had been for a while. on XX/XX/XXXX the money from my previously initiated transfer arrived in my bank account. Later that day at XXXX on the XX/XX/XXXX ( probably right after the money arrived in my account ) i received a text message from XXXX   with a verification code. At this time i was not trying to log into my XXXX and i knew my password. I did NOT request this verification code but somehow whomever requested this verification code gained access to my account ( even though the text was sent right to my personal phone that no one else has/had access to ). After this my bank account was completely hacked and compromised all starting with the breach from XXXX. My personal banking account was then linked to a paypal account and money was withdrawn. Also my email that was linked to my XXXX ( different email from any other app that was hacked ) was subsequently hacked. All of this has led to my identity being stolen and my social security completely stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: AL

Complaint narrative:
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.

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 2018-04-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.

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