vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
My original school loans were with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never took a loan from Nelnet. 

I requested Nelnet to provide what loans are they servicing now that Nelnet is the loan servicer. 

The only explanation for me to pay these invoices are based on sketchy promissory notes that Nelnet provided. This is not a proof that I've taken out these loans. 

I want connection to the original loan to Nelnet invoices. 

For instance - Sheet 1 reverse indicate Nelnet Consolidation. What loan Nelnet paid to consolidate that I need to pay Nelnet {$27000.00}. I've never took any loan from Nelnet. 

What are DPLUS shown in Sheet 2 reverse? 

Nelnet invoices are based on these sketchy promissory notes hand written and I've never agreed to have my loans serviced by Nelnet. 

I would like better explanation of exactly what loans are Nelnet servicing for relating to my original loan with account number and amount of the loan so I can be confident that I am paying for the correct loans that I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Synovus Bank
State: MS

Complaint narrative:
I have a first progress card and just paid a payment of XXXX. My credit limit was only XXXX now its XXXX. Once paying the credit card my balance only went down XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I called synchrony bank 3 times to have my late fee removed since I did not receive my statement. They kept saying they would remove the fee and did not. This is the amazon store card. They also called 5 times saying my statement was past due 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 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
On XX/XX/19, XX/XX/19 and XX/XX/19, I have attempted to reach out to the credit bureaus as well as the actual creditor for assistance with accounts that are reporting on my credit file in error. I requested method of validation on XX/XX/19 and no response has been received from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I can not seem to fully use all of my credit cards full credit line of {$300.00} plus paid an extra {$25.00} extra and for some reason charged an extra {$10.00} fee out of know wear. My credit card company is Capital One and their phone number is as follows XXXX XXXX XXXX XXXX, and my credit card number is XXXX XXXX XXXX XXXX. Capital one employees stated that my credit card would be ready to use at XXXX XXXX and it was not. Is their some help for me my Social Security Number is as follows XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I attended XXXX XXXX University from XXXX - XXXX, and I took both Private and Federal subsidized and unsubsidized loans. The school then closed after the XXXX school year. 

In the fall of XXXX and XXXX of XXXX, two of my fellow nongraduating classmates each received letters from the US Department of Education stating their loans had been discharged by a " Closed School Claim ''. Additionally they received checks returning any payments made toward the loans. I made several attempts to contact my loan lenders ( Navient and XXXX XXXX XXXX, and they both failed to provide any clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
The company replied back with incorrect information. Me and my ex wife had to refinance the home due to divorce settlement which my ex wife get half of the equity in the home. XXXX XXXX was speaking with my ex during the whole process not only my wife was assistanting she was advise by XXXX to sign off on all the documents XXXX XXXX has also spoken to my ex wife on her personal cell phone. When i spoke to her manager XXXX XXXX he told he was able to lower my payment but never explained what kind loan was never. Looks like on the documents they went from a FHA to conventional loan. These types of things need to he explained and if you listen to the call. They were just trying to lower the payment and not thinking about what was in also the best interest of me and my home. XXXX was also aware what I wanted and could afford when speaking about the loan or we were not going to so the loan. She agreed she understood that the payment would only go up {$100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/2019 a mortgage payment was set using the online banking offered by FirstBank in Puerto Rico. Payment was received by the mortgage bank on or before XX/XX/XXXX however FirstBank did not honor the payment despite having sufficient funds in the checking account. 

This caused for the mortgage bank to impose penalties including an NSF of {$15.00} and a late payment fee on the mortgage of {$91.00} on or about XX/XX/XXXX. This evidence of the {$15.00} and {$91.00} has already been provided to FirstBank. 

After numerous calls attempting to address FirstBank 's mistake and to provide remedy, my wife and I visited a FirstBank branch on XX/XX/XXXX. We were told that FirstBank attempted to contact us to confirm that the online payment was made by us and were unsuccessful. 

This explanation is ridiculous for numerous reasons such as the access required to make such a payment online with our bank account, and the double security implemented. But, more importantly, this is a payment that is made every month AND in XXXX the same call was made and confirmed. Therefore, a XXXX-year old child-like level of due diligence of their own records would have provided any required confirmation without the need to even having to call us. 

After the visit at the branch were a statement was written, my wife and I have made repeated and numerous calls to FirstBank 's customer service line and they have never been able to provide assistance nor remedy the situation. 

This has caused the loss of scores and scores of hours that should never have been wasted, a damage to our credit score/report and the imposition of fees to us that is also the responsibility of FirstBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: MI

Complaint narrative:
On XXXX/XXXX/19, XXXX/XXXX/19 and XXXX/XXXX/19 I have submitted multiple disputes with the creditor and the credit bureaus regarding an inaccurate debt reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested to Wells Fargo Bank to pay a ( balance transfer ) money to be paid the amount of {$520.00} to XXXX credit card account number # XXXX which was my balance with XXXX, see attached statement. 
at the end of XX/XX/XXXX I have received several phone calls from XXXX collection department stating that I was late with my monthly payment well I told XXXX collection agent that Wells Fargo paid already the full amount of {$520.00} well after a few minutes of researching for the payment XXXX 's agent stated that no payment was made from Wells Fargo, the next following day I have contacted Wells Fargo Bank and I asked what happened with the balance transfer? Wells Fargo agent stated that the money was paid to XXXX XXXX XXXX instead of XXXX and it was a mistake done the the person who took my information at the beginning of the balance transfer, by the way XXXX is merchant with XXXX XXXX and no with XXXX XXXX XXXX. this is a big mistake from Wells Fargo Bank! 
Because I declaimed to pay the money back to Wells Fargo Bank, Wells Fargo reported to the the 3 credit Bureaus and damaged my credit. This is a abuse because I do not owned any money to wells Fargo, money never was paid to XXXX and wells fargo is responsible for the own mistakes. I want to clear up my records and Wells Fargo Bank should pay all my late payments fees that I paid to XXXX and my credit should be corrected immediately and my balance with Wells Fargo Bank should be XXXX and should be pay all monetary damages caused by wells Fargo Bank.

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 2019-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
OnXX/XX/2018 I sent a postal money order in the amount of {$380.00} for the full satisfaction of the claim related to a retail installment contract. Chrysler Capital accepted my money order yet still demands payments. I have attempted on multiple occasions to resolve my dispute but have only been told to keep paying. I can not call to get in touch with anyone as my account is blocked and they ignore my mailings. I have paid every month out of fear that if I don't they will attempt to repossess my vehicle, take legal action on a non existing and alleged debt, or turn my account over to a collections account in an attempt to harass me. To this date Chrysler Capital owned by Santander Consumer Use , Inc. under the direction of XXXX XXXX continue to demand payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a debt collection reporting on my credit for an account that is not mine. The debt appears to have resulted from a medical account that I did not authorize. I have no knowledge of this debt nor have I given anyone else consent on my behalf.

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 2019-07-07 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: MN

Complaint narrative:
TRANSUNION : My ex-husband fraudulently signed my name on his school consolidation loans in 2001 ( unknown to me ). He was found in contempt of court for not paying, ordered to pay off in 30 days, & required to pay All my Court/attorney fees. Collection efforts were ceased against me due to fraud aligations. By the time I discovered, the statutes of limitations had run out for criminal charges. Their " dispute '' process is out of order frequently. Things disappear & reappear, I was docked 28 points for using .77 % of my available credit balance, then thry tried to sell me a credit card. TransUnion has been completely a abusive of their power over my report.

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 2019-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$290.00} High Balance {$290.00} This is not my account as I have used XXXX XXXX  since XX/XX/XXXXand XXXX before. 

please remove from Transunion credit report as it is not reported by XXXX  or other credit reporting agencies. I have no documents to attach as I never had this account. 
Nobody has ever contacted me about this account. It just sits on Transunion only.

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 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: ND

Complaint narrative:
I explained multiple times that XXXX wasnt billed properly resulting in me owing a balance. They mailed bills to incorrect address because I moved. My house was destroyed twice in hurricane Mathew then Irma resulting in a natural disaster loss of livelihood. I begged to have my dept consolidated and if the company would settle for half of amount owed and they refused to work with me at all. They were rude about debt told me this is a business and we dont settle down on medical, yet had they billed my medical correctly I wouldnt owe this much. Im willing to pay half off in full but the representative is non negotiable! this debt is 4 years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Ability recovery has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates

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 2019-07-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from Equifax, XXXX, and XXXX  each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent Equifax a copy of my passport and social security card with a letter asking them to update my report and remove any misspellings of my name and incorrect addresses. On XX/XX/XXXX I realized I didn't include all required documentation, so I resent the information again this time including my utility bill to verify my address via certified mail. They mailed me a response stating what I knew about the initial mailing request 1st attempt, I needed to provide verification of my address. I already had a new letter/docs on the way. I opened a dispute on Equifax website XX/XX/XXXX which did get resolved but I had to find out via XXXX XXXX online. Equifax dispute website would never allow me to check it after verifying my information. Equifax asks if you want results delivered online, I answered yes on both disputes I'm stating in this complaint. I then opened another dispute on XX/XX/XXXX and Equifax sent me emails alerting me that i can check the status by providing my personal information. Everytime since the first dispute opened on XX/XX/XXXX I can not access the system. The website asks you to call into XXXX and a CSR can help you access it. I called 2 times and spoke with 2 different Csrs and 2 different supervisors. For them all to tell me the same exact run around dead end storyline. They asked me the same identity questions that their website asks and info from my credit report to verify. I'm literally verifying correct info based from the free credit report they sent me via mail on XX/XX/XXXX. And they verified/confirmed my identity documents that I mailed on XX/XX/XXXX as recieved. And still tells me they can not access my credit file. So I am forced to spend money utilizing the USPS certified system anytime I need to communicate errors or ask questions about my report. This is not ethical and pretty discriminatory to single me out for whatever reason as I can not access my files as any other consumer would have this luxury or amenity. My issue is not about having to recieve a hard copy of the resolutions of my disputes within 30 days. But the fact that I have to spend money mailing the disputes and can not know the status of them when they're the ones emailing me letting me know I can check online as they're updating or completing them. And then their site asks me to call in and rectify the issue and I'm given a run around as if I'm not the person that I said I am and shown to be. When I've literally provided all factual resources they've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I mailed a certified handwritten letter to the United Collection Services on XX/XX/2019. USPS tracking states that it was received XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America has a credit card bill/balance pay feature that overcharges my personal checking account leaving me with an enormous account credit. I then must call Bank of America, request the account credit that they erroneously charged me ( Most recently, {$1000.00} ). They then mail me a check for the amount in 7-10 business days. Between my account and my wife 's account, this has happened at least three times. 

This practice puts me at risk for overdraft in my personal bank account from which I draft these payments. Additionally, it seems absurd that Bank of America can not match the payment billed to the amount ACTUALLY OWED ON THE ACCOUNT. 

Furthermore, when I call Bank of America, the automated system offers the option to request my account credit as the VERY FIRST OPTION. This shows that Bank of America knows about this problem and has yet to do anything to fix it.

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 2019-07-07 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from XXXX, XXXX, and XXXX each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.

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