vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have disputed and submitted documents ( Bank statements ) that prove the debt was paid and should never gone to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Day LATE PAYMENT - XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed owing the debt to all credit reporting agencies and despite bank statements, it remains on my credit and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and TransUnion about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX spoke wit Experian and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I've attempted to obtain SCRA benefits for my account multiple times, and each time after providing American Express with the document requested ( XXXX XXXX orders ) nothing happens with no explanation. I am quite frustrated American Express is treating their legally required duties with the least amount of effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since 2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score. Also XXXX XXXX XXXX put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired 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 explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NC

Complaint narrative:
I recently requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX. The company sent corresponds as to what they believe is proper validation of the account, however by doing this it was found that XXXX XXXX XXXX XXXX XXXX failed to include their NC license permit number ( XXXX ) on the stationery/correspondent form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence.

All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency.

The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) XXXX XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance State Laws & failing to abide by the Fair Credit Reporting Act.

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The account in debt collection assigned to this company must be deleted as the company collecting on the debt ( XXXX XXXX XXXX, XXXX ) violated not only federal laws, but also state laws mandated by the North Carolina Department of Insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Today, XX/XX/XXXX, I used an app called XXXX to purchase XXXX XXXX tickets from a seller. Her phone number is XXXX ( XXXX ) XXXX and her email address is XXXX. XXXX does not help at all. I tried to reach out to XXXX but they will not assist. I transferred {$100.00} from my bank account to the sellers. The seller said they would immediately send me my tickets. Then, they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have contacted Capital One asking for their help as I want to close the card, stop the interest and fee charges so that I can pay the card off sooner. They refused to do this, insisting that I make their determined minimum payments and still incur interest and fees. At this rate, I will only be paying off the interest and never touch the principal. They were happy to give me the card and now that I need their help to make the payments so that I can get my credit score up and finish paying the card, they do not want to help. I am also trying to link the card to XXXX XXXX so that the payments that I am making are showing and building my credit score. Capital One has blocked this so they can determine my credit score and not be truthful about how much and when my payments are made. Not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet engaged in Predatory Loan Practices. 1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so They sent 3 letters with 3 different amounts for payments and admitted doing so. See previous correspondence. Now they say there not liable.

2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay Nelnet is a contractor under Department of Education and must follow those contractual guidelines 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender Nelnet has inflated interest by changing fees, Interest, payloads nd notices without knowledge to clients 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan Nelnet is a Lender and on Behlaf of Department of Education this is a contractual violation 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender Nelnet as a contractor bought or collects debt under same predatory loan guidelines that Department of Education must follow 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans The were negligent by not negatively effecting Department of Education of Collection and Targeting Effects based on the reseach

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I have disputed owing the debt to all credit reporting agencies and despite bank statements, it remains on my credit and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since XX/XX/2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score.  Also State Farm Bank put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CA

Complaint narrative:
Dear sir or Madam : I am writing to complaint about EXPERIAN CONSUMER FRAUD ASSISTANCE, XXXX XXXX XXXXXXXX, XXXX Texas. XXXX. 

I disputed items that were fraudulent on my credit report. I sent notarized letters with evidence and documentation that these items are not mine. And they have not remove them from my credit report. 

The last report from Experian was received on XX/XX/2018. Report number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I already have a complaint file on Wells Fargo Mortgage. Today I received a call at XXXX my time. The call was from Wells Fargo Mortgage and the representative gave his name as XXXX XXXX. The phone number the call came from was XXXX and his ext. no. is XXXX. I was very disturbed by the call. He kept interrupting me, told me I didn't know about the process and that he was going to educate me. He was demeaning and condescending. I felt like he called to try and bully me and I'm XXXX so I felt like this was abuse and not information. When I asked to speak to a supervisor he told me he didn't have one available. I told him he was out of line and that I would file another complaint about Wells Fargo and him. He told me not to waste my time because the cfpb wouldn't do anything except send the complaint to him and Wells Fargo. I told him about all the different information I had gotten from Wells Fargo so I wanted to make sure that when I got my principle down to the 78 % the HUD mortgage insurance payments would stop at that time. He then told me that I might have to pay another month or two until HUD could be notified. I told him I had better have the {$180.00} taken off my mortgage when I reached the 78 %. I am retired and so that much money is a lot to 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 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I resubmitted my IBR application and sent Nelnet proof of income ( three times ) as requested. I named the files " Gross Pay. '' I am  XXXX and pay my own quarterly taxes. I have nothing taken out of my pay by my clients. 

I keep getting emails saying they can not approve my IBR plan ( which was already approved earlier this year by my prior student loan servicer before Nelnet took over and unapproved me ) unless I send  them my gross pay. The last email I received from them was XX/XX/18. I sent them emails ( twice, once again on XX/XX/18 ) telling them that the proof of income is my gross pay, and I even named my files " GROSS PAY. '' Nelnet is purposefully delaying my IBR approval by claiming they still need documentation that I already sent to them. I feel they are harassing me. If they can not provide faster service and approval ( I submitted the requested documentation to them on XX/XX/XXXX ) they have too many clients. Their inability to respond in a timely manner is harming me. 

They have my clients ' address and phone number. If they are not satisfied with what I sent them, they can call my clients and ask what they have paid me for the last 90 days or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, my credit limit was reduced from approx. {$1600.00} to {$850.00}. I was approved for the XXXX XXXX credit card over 4 years ago and worked very hard to keep my account in good standing. Until my accident and subsequent care from XX/XX/XXXX to XX/XX/XXXX, my account had received several credit limit increases due to my account being in good standing. During this time, my sister contacted this company and informed them of the situation. Although my card was at a XXXX   balance in XX/XX/XXXX and XX/XX/XXXX, and the account was not delinquent, after using it in XX/XX/XXXX, my credit limit was decreased with no notification. This negative action also lowered my credit score which caused the same bank to lower the credit limit on my XXXXXXXX XXXX XXXXXXXX credit card from {$250.00} to {$100.00} after having this credit limit for approx. 4 years with good payment history. The only reason I was given was the decision had nothing to do with my account history with this company. There are some things on my credit report that I am fighting to remove due to fraud, but the actions of this company also negatively affected my credit unnecessarily and it should not have when I did make my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called into capital one on XX/XX/18. I asked if they would lower my APR the agent advised that they would. However it was for a temporary amount of time. I asked if I could get a permeant reduction the agent said no. However, I did the agent if the company offers them. She said " yes '' I asked what I had to do to get one and she couldn't come up with an answer. After purposefully lying to me to get me off the phone she sent me to her supervisor because she was unable to complete the call due to her lack of knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over 2 years ago, this account began incorrectly reporting a 30 day late and more recently, it was incorrectly charged a fee, for not having auto insurance on file after I had demonstrated proof of coverage. After providing the new insurance information, I was assured the overage would be credited to my account and ALL fees, incorrectly charged, would be waived. I was recently denied a mortgage and upon pulling my report I noticed that my score has dropped drastically, due to 26 months of this account reporting as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CA

Complaint narrative:
I found my data had been breached from XXXX this led to a free sign up with trusted id, i registered on XX/XX/XXXX, however i was not able to sign up for the service as i got the security questions wrong as they referenced a car loan and an amount of the loan was question 2,  question 3 was also for a loan taken in XX/XX/XXXX and question 4 was the amount. I don't have any loans so failed the security test and was directed to call, when i called i was told after answering my date of birth that they could not continue the call as the date of birth on my social security number is very different to mine, i was sent an email to address the issue and had to provide copies of my Driving license which i did on XXXX XX/XX/XXXX, i have called and emailed and still the executive team have not resolved my date of birth and i still have no access to trusted id. 
I tried to get a free credit report with experian and was met with the same response and wasn't able to access a credit report due to the security issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: IL

Complaint narrative:
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc.
State: MN

Complaint narrative:
The XXXX attempted to Bill me for conducting additional XXXX after my insurance refused to pay them because they did took the XXXX to close to my last exam. The denistry did not explain this to me or check my policy before. When they attempted to Bill me I refused and asked if they had an internal policy that requires their staff to verify insurance policy before. They stated they just recently updated their policy. They then had an attorney contact me for payment, I requested validation and their policy. The attorney never provided me the debt validation information I requested. Recently when requesting a car loan, this popped up on my credit report from a debt collector I never heard of and learned it was for this debt. This has caused me lasting hardship and I continue to refuse that I owe this debt for the XXXX  's lack of care of it's customers.

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