vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: VA

Complaint narrative:
I made a large payment to my consolidated federal loan ( {$2000.00} on a ~ {$14000.00} loan ) on XXXX XXXX, 2021 believing that it would allow me to advance my due date once the current period of forbearance is suspended in XXXX. Nothing on my servicer 's website indicated that because the current mandatory forbearance period is in effect, I am in fact not eligible to advance my due date. In fact, the service still included an optional box for the payer to select if they wanted to opt OUT of advancing the due date. Additionally, none of the adjacent FAQs provide this information to the borrower. Now they are telling me I can initiate a refund request, which they say can take 90 days to fulfill, and then make the payment later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NY

Complaint narrative:
I had requested a balance transfer on my Barclays Credit card to consolidate balances into one payment around the date of XX/XX/21. After requesting the balance transfer, Barclays had charged my credit card twice for the balance transfer, however I had received the monies once for the amount requested. Upon noticing this on my online account, I promptly called Barclays on XX/XX/21 to bring the matter to their attention. I was told by the customer service rep that it was a known issue with Barclays and it had affected other customers as well and that there was not a known time frame for resolution. I had again reached out to Barclays when over a week went by and I did not see/did not hear of resolution. I was told twice via secure message that a manager would reach out to me within 24 hours. Finally on Saturday XX/XX/21 I was called and spoke to a manager who told me that again it was a known issue and there was no timeframe for resolve. He was working from home and there was nothing that he could do. Today Tuesday XX/XX/21, now 3 weeks after my initial contact I called the company again was told that there was nothing that she could do. The IT department was working on the issue, and there was no timeframe of resolution. I had expressed my concerns regarding how long this process is taking since the amount charged my credit card is over {$46000.00} dollars instead of the {$23.00}, 175 ( amount requested plus transfer fees ), it has put me over my credit card limit and has dropped my credit rating from a XXXX to XXXX. This is completely unacceptable and needs to be addressed quickly. Not only on my account but also on other consumers accounts as well as I am sure they are experiencing the same frustrations that I am.

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 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
This debt collector continuously calls monday through sunday from XXXX XXXX XXXX XXXX until XXXX at night. They call at least 3 or 4 times a day and I have paid some amount onto my debt but I can only talk to one representative to pay on it without them giving me hassle and saying I have to pay it in full when I am trying to pay at least some of it. They are very rude too when I answer the call or say I do not have money at this moment but I can pay later. They say they can only take the full amount even though I have an arrangement with a representative. It is quite frustrating and they are constantly harassing 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 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2018. While conducting the consumer credit transaction, a finance charge was involved. According to 15 USC 1605 define a finance charge as the sum of all charges in a consumer credit transaction. In addition to 15 USC 1605, finance charge includes insurance, annual percentage rates ( interest ), and does not include cash. XXXX XXXX requested and took a {$10000.00} down payment in cash and 41 monthly payments of {$230.00} year-to-date. XXXX XXXX also did not include my annual percentage rate nor include insurance within the finance charge. Last, XXXX did not inform me nor include in the installment contract that I have the right to recession which is in violation of 15 USC 1635.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XXXX of 2021, I applied to be extended credit from Discover. I applied through their website, providing them with my social security number. I was denied. 
XXXX XXXX XXXX I called Discover a XXXX days later and asked why I was denied. Discover representative stated it was because of information on a consumer report provided by XXXX. I expressed that I have a credit report that I can give them that is accurate because XXXX is furnished information about me that I have not consented to be furnished. The Discover representative ( who claimed to be a XXXX XXXX XXXX expressed Discover only gets reports from the three major credit bureaus which he stated are XXXX XXXX XXXX XXXX and XXXX. I asked, who made them the major three?. To which he had no response. 
I informed him that I am the original creditor and that Discover -since taking my XXXX digit security number ( social security number ) should extend credit back to me. 
He stated, that is not how it works. 

However, I know that is what the law states. 
He shared that Discover would not be extending me any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a XXXX card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - XXXX {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I have tried to reach someone to pay the account and I have a mortgage pending. Everyone is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TN

Complaint narrative:
I wrote a contract with XXXX XXXX XXXX but I change me told them to cancel and they didn't. It was free to cancel within XXXX days. I did twice. It was in XXXX. I was living in other places during that time. until today XX/XX/XXXX I'm trying to apply for a XXXX  credit card. I find some dread happened. I got {$7700.00} debt. Clearly, the XXXX XXXX XXXX didn't do their job and without notification. I go back to check email and others. There has no bill from this apt .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

3. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was recently swindled into thinking my PayPal was overdrawn in 2019 and was sold to these guys who sent me a letter. Upon contacting XXXX XXXX XXXX questioned where the charges came from as PayPal typically withdraws immediately and literally no one couldnt tell me why, rather, they kept saying that I was requesting validity so I went with it. Furthermore, I contacted PayPal and they stated it was true that I had an account in 2019 that was sold to XXXX XXXX, however, PayPal could not see any details as to why or how my account went overdrawn and was informed that all information is no longer viewable through PayPal and ALL information was sent to XXXX XXXX. I once again call XXXX XXXX and was transferred to a compassionless woman who stated she didnt need to provide validity and continued to condemn me for not making payments on an account I had no knowledge of and ended the call ( what XXXX XXXX ). Ive never owed anyone so I payed the balance the same day as these calls ( XXXX hours of back and forth ) and received a letter today dated XX/XX/XXXX stating Based on your stated dispute we have ceased collection on this account. 
I contacted XXXX XXXX and spoke with a XXXX ( rep ID XXXX? ) to request a refund due to not be able to validate debt and he denied my request for a refund asking me Are you saying this isnt your debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX of 2021 I applied for an American Express XXXX XXXX through their website ( reference # XXXX ). After giving my social security number and other required information, later discovered I was denied am extension of credit. 

When calling and asked why they stayed XXXX furnished information that proved American Express to deny me. I expressed that XXXX is furnished information that I have no consented to. However, that did not change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I tried making a payment on my Macy 's account via the app on my cell phone. The payment did not go through, saying I couldn't make less than minimum balance which was over {$1400.00} dollars and I was only paying {$75.00} on my account. My payment was not due until next month, I wanted to pay in advance. The payment never went through so I could not complete the payment. A few days later I received notification that my payment posted of {$1400.00}. 

I called Macy 's on XX/XX/XXXX to inform them that the payment was posted in error. I spoke with XXXX who said I made the payment with my bank account on the app. I told her I did not make the payment. I asked for a supervisor but she told me the supervisor would say the same thing. I insisted on a supervisor and she placed me on an extended hold but no supervisor came to the phone, I hung up. 

I called back today XX/XX/XXXX and spoke with XXXX for assistance. She said the same thing as XXXX, I asked for a supervisor and she continued telling me that I needed to wait XXXX days before they could refund the payment. I asked her if she heard that I was asking for supervisor and she said the supervisor would say the same thing. I asked for a supervisor again and was placed on hold for XXXX minutes before a supervisor by the name of XXXX came on the line. He asked me what I wanted him to do about the payment. He said they could reverse it after XXXX  days or refund it. I told him that the payment was an error and I did not complete it. He continued with the same resolution. 

Since, I wasn't getting anywhere with the reps by phone, I sent a few emails via the app secure messaging system. I received notification back that I should call in for help. 

Due the bad customer service I am receiving from Macy 's I had no choice but to try to resolve outside of them. This erroneous payment is causing me NSF charges with my bank. Macys need to reverse this payment because it was their system error that caused the problem. I have been a customer for almost XXXX years and have never had this issue. Anytime you make a payment online, an email confirming online activity is sent but I did not receive that for this XXXX 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 monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: LA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed. 
Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX  of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX 

IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
As of XXXX XX/XX/2021, Sallie Mae has made weekly attempts to communicate with me either via letters or email communication about a student loan on which Im a cosigner. These communications treat the cosigner as the primary borrower, which, despite what Sallie Mae claims, is not the purpose of the cosigner. The purpose of a cosigner on a loan, any loan, is to serve as a backup to the primary borrower should the primary borrower be unable to or not make payments on the loan- the lender having sought repayment from the primary borrower first. 

On XXXX XX/XX/2021, I initiated an online chat conversation with one of Sallie Maes representatives to discuss what efforts Sallie Mae has made in contacting the primary borrower. All the representative could assure me of was that the primary borrower had received the same communications that I had received. 

I asked for the representative to confirm the primary borrowers contact information, including email and address on file. The representative refused to give me any of this information, despite the fact that I am the cosigner on the loan. 

You can not hold a cosigner financially responsible to the same extent as the primary borrower if you are not willing to share the same amount of information with the cosigner about the primary borrower on the loan. 

The agent then instructed me to view the communications stored in my profile to understand what the primary borrower would have received. This was an impossible task as nowhere on the online portal is there an ability to view or reference any communications sent by Sallie Mae. I do not have an option in my portal to view any messages, letters, or any other types of communications made by Sallie Mae to me. 

It is therefore impossible for me to determine if Sallie Mae has made any verifiable attempt to contact the primary borrower, and is therefore acting as a predatory lender in attempting to coerce the cosigner of the loan to begin repayment. 

Sallie Mae, in their role as the lender, is expressly breaking their obligation to attempt to collect payment from the primary borrower before defaulting to the cosigner. They, in effect, place the entire onus of responsibility of financial education and repayment solely on the cosigner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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