vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cuzco Capital Investment Management, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for XXXX surgeries. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX XXXX and was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with Nissan and I have never been late on a payment and I have been making payments since filing. Nissan has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
In XXXX 2019 I sent Peter Roberts a Validation of Debt Request and 93A Demand notifying them they are in violation of 209 CMR 18.17 Unfair Practices and 940 CMR 7.07 General Unfair or Deceptive Acts or Practices in that they are illegally reporting under their own name on a Massachusetts consumer credit report regarding an alleged medical debt. 
I stated I did NOT allow them to access my medical records and any proof of the claim would have to come from the medical provider directly. They replied with insubstantial " validation '' of their claim and ILLEGALLY accessed my medical records sending me statements directly with descriptions of my personal medical history. 
I sent them a second notice via certified mail in XXXX informing them of the HIPAA violations and the fact that they continued to report illegally. They ignored these documents. I sent them a third notice XXXX 2019. They continued to ignore attempts at communication and resolution. 
I would like this account immediately removed from my credit reports and Peter Roberts investigated for illegally accessing consumer medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have had a Netspend prepaid debit card with no overdraft for a couple years with no problems. Recently at time when my account balance was {$0.00} Netspend claims I purchased XXXX XXXX stuff and they approved a purchase and made my Card balance - {$190.00}. Normally they text me on all transaction but not on this one so when I deposited {$100.00} two weeks after the incident I was surprised to find my {$100.00} unavailable and my account negative another {$99.00}. Only after calling customer service I was informed of the fraudulent transaction for {$190.00} with XXXX XXXX two weeks earlier so I filed a dispute. 
I never ordered, downloaded or used anything on their web site and I couldn't have if I wanted to with no money on my card. The purchase shouldnt have ever been approved if there are no funds. Netspend did an investigation and mailed a letter to me saying that they contacted XXXX  and they said their evidence that the purchase is valid is because they have my financial info that I gave them for my XXXX  wallet account and should be confidential. Having that info is no proof. They said the second thing that is proof is that I went on XXXX " XXXX  '' and downloaded games and virtual currency which not true either and different for their first claim that it was a purchase from XXXX. All of that is irrelevant because anytime there are no funds all transaction are not approved. I disputed the fraud in writing and informed Netspend I never downloaded anything or used anything from XXXX but they are saying I must pay it. 
There are blogs I've found many many people that are having the same problem with XXXX that they never ordered from them but have charges. I don't have a credit card its a prepaid debit meant to never have debt. I don't even have the {$10.00} overdraft. Nothing like this has ever happened in the past and I wonder why they paid this transaction are trying to make me pay it. 
When I contact Netspend they say there's no number I can call to talk to Netspend Dispute Resolution Department and they are the only ones that can do anything about this issue. They also can not give me a phone number to contact 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
PLEASE RE-INSERT THE FOLLOWING ACCOUNTS BACK ONTO ALL CREDIT XXXX/XXXX, XXXX BOTH XXXX, XXXX   XXXX XXXX, XXXX XXXX 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
PLEASE RE-INSERT THE FOLLOWING ACCOUNTS BACK ONTO ALL CREDIT XXXX/XXXX, XXXX  BOTH XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
I received a payment due of XXXX I reached out to the lender and explained I can't afford that high of a payment. They then calculated a repayment and now they want XXXX. I can't afford that amount, and sustain my rent, house bills. I have contacted them 6 times regarding the payment they had me do a consolidation which I never received a call or anything from them, they never return calls, and I can't afford the payment they want me to pay. I have worked on and off for the past 4 years with my current job being the longest, months right now. I want to repay my loans but I can not afford the outlandish payment they want me to make monthly. Help me please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
In XX/XX/XXXXI took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for 3 XXXX. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX office and  was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help

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 2019-11-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with XXXX and I have never been late on a payment and I have been making payments since filing. XXXX has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
Directexpress debit card
 
Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you.  When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019, which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the10 day due to conflicting information. The second claim was filed on XX/XX/XXXX because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you 5 or 6 tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
RE-INSERT THE FOLLOWING ACCOUNTS, XXXX  XXXX XXXX  ( 2 ACCOUNTS.XXXX/XXXX, ALLY FINANCIAL, 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I was told by my bank, XXXX XXXX, that I have no credit report in the United States. Consequently Equifax/XXXX  have not given me a score. I question this because, I have a credit line with XXXX XXXX  that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX XXXX  XXXX and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with XXXX XXXX and receive my US Social Security there. My concern is how can I have no credit history when I have one with XXXX XXXX which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX Score because I have no US history. Does my history with XXXX XXXX not count or has it not been reported? I've been with XXXX since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HANCOCK WHITNEY BANK

Complaint narrative:
I was told by my bank, Hancock Whitney, that I have no credit report in the United States. Consequently XXXX/XXXX  have not given me a score. I question this because, I have a credit line with Hancock Bank that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX years old and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with Hancock Whitney and receive my US Social Security there. My concern is how can I have no credit history when I have one with Hancock Whitney which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX  XXXX  because I have no US history. Does my history with Hancock Bank not count or has it not been reported? I've been with Hancock since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NC

Complaint narrative:
Statebridge Company , LLC bought my second mortgage on XX/XX/2019. Statebridges first bill to me in XX/XX/2019 showed an amount in excess of {$1800.00}. The normal monthly payment is {$360.00} at a fixed payment and fixed interest rate. When I contacted Statebridge they told Me I had failed to make the last 5 monthly payments even though Statebridge has just bought the loan. I filed complaints with the North Carolina Attorney Generals office, and the North Carolina Commission of Banks. I submitted copies of electronic payments made to the previous loan services, XXXX XXXX XXXX, LlC. Statebridge reported false negative credit information to the 3 credit reporting agencies and has permanently damaged my credit. To this date Statebridge has not corrected their mistake, has not sent a correct statement for payment due, and has not corrected the outstanding balance due on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX I try to apply car loan with XXXX the creditor inform me that I have a security freeze/ mismatch information on my credit report I never place a security freeze on my credit report on XX/XX/XXXX I checked my own credit report I foundout that experian change my name on my file without my knowledge at point I drafted a dispute letter notorized it send along with my drivers license social security card and us passport card as proof of identity as of today experian did respond to my disputed lock me out of credit report all without my knowledge

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 2019-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX I received mail from Wells Fargo ( WF ) indicating someone ( XXXX XXXX ) was attempting to borrow money ( obtain a mortgage loan using my home address ) from Wells Fargo using my home address as the property being borrowed against XXXX I called Wells Fargo and spoke to ( 2 ) people XXXX and XXXX ; neither of which could assist me. They refused to put me into contact with WF Security and Fraud and informed me that their Mortgage Dept. was closed until Monday I am a current WF customer for 35.5 years. I went on-line and attempted to contact their security department and the only option I was provided was to schedule an in-bank appointment with a personal banker XXXX @ XXXX I met with XXXX XXXX and her supervisor XXXX XXXX. XXXX called the Mortgage Dept., left a message, made copies of the letters I received and I have heard nothing from her since then. They did put a credit alert on our accounts. Case # XXXX o XXXX informed me that an XXXX XXXX XXXX would contact me ; never have heard from this person XXXX I got a Federal Express envelope with WF Loan application and documents. I proceed to call the WF Mortgage Dept. in XXXX attempting to reach the loan person XXXX XXXX, XXXX, # XXXX. I left message on XXXX and XXXX and have heard nothing in return XXXX I called again and spoke with another person XXXX XXXX, who called the incident compromised data ; never heard further from her XXXX called WF spoke with XXXX XXXX ( WF Mortgage Dept. ) @ XXXX # XXXX, who took a report, case # XXXX and I have since emailed him and he told me he has nothing to report XXXX called Corporate Exec Offices, I called XXXX XXXX, WF : XXXX, who told me to call Mortgage Dept., no return call from Mortgage Dept. 
XXXX called Corporate Exec Offices spoke with XXXX ( refused to give me her last name ) at WF XXXX, she took information and I heard nothing in return XXXX call XXXX XXXX again, XXXXX and no 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